vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX took XXXX from my account I called and told the bank they didn't have authorization to take that much, they credited me for the funds, they then put my account in the negative by XXXX because XXXX said they had authority to take that money, THEY DID NOT, IVE called the bank multiple times to try and rectify this situation and they keep transferring me to someone else without actually fixing the issue, now they are telling me that I have to write to them, fax it and then they MIGHT look at it and fix it. I want this rectified asap or I will have no choice to follow all the proper protocols for taking my money elsewhere.

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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My two wallets have been scammed in the month of XX/XX/year> worth for approx. XXXX USD by unknown people. The money has been transferred from my XXXX XXXX to Coinbase and i have done some trading. But unfortunately the two wallets were missing the wallets. The wallet address were stolen by some one. I reported the incident to Coimbase and requested by refund. The refund is still pending with coinbase. I am attaching the transfer of my money into the Coinbase crypto plot firm receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Consumer Alert : How XXXX and Bank of America Protect Scammer Privacy Over Victims I am writing not with the expectation of recovering my stolen funds, but to warn your readers about how XXXX XXXX and Bank of America handle blatant fraud cases. On XX/XX/year>, I fell victim to a sophisticated vehicle scam and wired {$33000.00} from my XXXX checking account to a Bank of America account. Realizing the mistake an hour later, I immediately contacted XXXX to recall the wire. Since then, I have spent dozens of hours on the phone with both institutions, only to be met with total obfuscation. Initially, I was told the funds would be frozen at Bank of America pending a 90-day investigation. I provided full statements and filed reports with the FBI and my local sheriff 's office. This week, both banks informed me that the funds can not be returned. They refused to provide any further information. The most alarming aspect of this ordeal is the banks ' justification for this silence. I am told details can not be shared with me in order to protect the " privacy of the account holder '' who is, in fact, a criminal. The banking system appears far more concerned with protecting a scammer 's privacy than assisting a victim in tracking stolen life savings. While the banks claim to communicate privately, they leave victims completely in the dark, effectively shielding the identities and locations of receiving accounts from the very people they defrauded. I hope that shedding light on this case will pressure these institutions to provide true accountability, cooperate transparently with law enforcement, and stop using privacy laws to protect criminals. Sincerely, XXXX XXXX XXXXXXXX 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 2026-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I obtained private student loans for attendance at XXXX XXXX University. The school later closed, and I believe students were misled regarding the value and outcomes of the program. My loans are serviced by Firstmark Services. I am requesting investigation, hardship relief, and review for discharge or settlement options because I remain responsible for substantial private debt tied to a closed institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: NC

Complaint narrative:
I completed the Public Service Loan Forgiveness application several years ago. That in, and of itself was a headache. After submitting over 10 years of employment data and calculating how many months I worked full-time, the final count of 94 of the 120 required payments for loan forgiveness, was the answer I received from studentaid.gov. I was also told to sign up for the SAVE program when it was available, prior to the more than 18 months of court litigation. So I was then told by the PSLF branch of studentaid.gov, that I could fill out a PSLF Reconsideration Case for the months I thought were not counted. I did that and sent my first case on XX/XX/XXXX. I sent another PSLF Reconsideration Case on XX/XX/XXXX with more supporting information. I have called the PSLF branch of studentaid.gov and have been told " it's still being reviewed ''. When I asked if I could have it escalated, I was informed that XXXX does not do escalations. I called student aid, PSLF branch again today, XX/XX/XXXX and was told that my case was escalate by the phone agent. But there was no timetable for it being processed. I am currently repaying my loans and making a $ XXXXmonth payment ( 25 % of my take home pay ), in the hopes it will get me close enough to the 120 payments where I can request buy back for 6 months. I went on to the chat feature on studentaid.gov after my phone call and was told my case was not escalated, and again that there is no timetable. My original PSLF application was completed on or around XX/XX/XXXX. It is my belief I have already met the required 120 payments and yet I am still paying over $ XXXX. Additionally, I have been told the following by agents at different times when I call in. " You should apply for the SAVE program. '' " Your PSLF Reconsideration will be processed soon. '' When I brought this to the agent 's attention, they blame the current " administration '' who " keeps changing things ''. Leaving me at the mercy of whomever with no clear or direct answers to my questions. I was also advised that I could NOT consolidate a private loan with my federal loans for school at the time I applied for PSLF. Now, it appears that is not the case. The agents are rude, untrustworthy and unclear. I am trying to navigate this and have not got any direction or guidance from student aid. I am hoping that somehow my reconsideration case can be sped up. The Case numbers for my PSLF reconsideration are # XXXX and # XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 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: Chime Financial Inc
State: CA

Complaint narrative:
On Thursday, XXXX XXXX XXXX XXXX XXXX XXXX I attempted to rent a car from XXXX XXXX XXXX I was unsuccessful in that they wanted to give me an electric car and I had no way to charge the car at home. I presented my Chime Credit Card to the peson in charge named XXXX. He checked my ID and ran my card. I conducted no business that day with them and should not have been charged. He assured me it would be removed and handled. In the total amount of {$7.00} I Called and Filed a dispute with negative resolve and have tried myself. I DID NOT RENT A VEHICLE FROM XXXX XXXX XXXX XXXX LOCATION. PERSON IN CHARGE NAMED XXXX. CHIME IS NOT ASSITING ME OR HELPING.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BTH Management
State: VA

Complaint narrative:
I was on XXXX website looking at this computer gear and seeing what the payments were on getting a item I put my into thru to see if qualified it told me what I approved for but next this I know its a collector constantly harassing me when text messages everyday saying I have to pay something towards a bill that I had NEVER got from them so next thing I seeing its a collection on my profile from XXXX but I had never got anything from them but a preapproval for a item I was interested in .. never signed paperwork or step foot in there store to even look at the item in person .. this is hurting my score tremendously when I worked so hard to get it in a good place

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: ND

Complaint narrative:
I am SUPPOSED TO BE ON ADMINISTRATIVE FOREBEARANCE pending the SAVE loan debacle ( ongoing disputes canceling the SAVE program which I was a member of ). The online portal at STUDENTAID.GOV says this!!!!! IT SAYS I OWE NO MONEY MONTHLY AND THEREFORE HAVE TO MAKE NO PAYMENTS. I AM NOT IN DEFAULT AT ALL ACCORDING TO DEPT. OF EDUCATION WEBSITE!!!! MOHELA IS BEING DISHONEST AND IS USING ILLEGAL / IMMORAL TACTICS TO COLLECT A DEBT WHICH MAY NOT EVEN EXIST. I HAVE REQUESTED A COPY OF THE MPN AND THEY HAVE FAILED FOR LAST 2 MONTHS TO PROVIDE THIS. In addition, all email attempts I have sent to them, explaining this situation have resulted in NOTHING BEING DONE TO FIX IT. I WAS MANUALLY RECERTIFIED IN XXXX OF THIS YEAR ACCORDING TO DEPT. OF EDUCATION 'S OWN WEBSITE. IT IS THEIR INFORMATION I HAVE BEEN USING AS GUIDANCE. PLEASE SEE ACCOMPANYING SCREENSHOTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Capstone Capital USA, LLC
State: TN

Complaint narrative:
I dispute and revoke authorization for ALL recurring ACH debits, autopays, recurring card charges, substitute payment credentials, successor account transfers, and recurring electronic withdrawals associated with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any linked or replacement card numbers. XXXX Bank had repeated notice for many months that : accounts were disputed, fraud and identity theft had been reported, cards/accounts had been closed, police reports existed, FTC reports existed, and authorization for these recurring transactions had been revoked. Despite repeated notice, XXXXXXXX XXXX continued honoring recurring debits and/or successor payment activity tied to accounts and payment credentials that had already been disputed or closed. As a result, my accounts were repeatedly depleted and my available funds exhausted. I am demanding : 1. A complete accounting trail showing every ACH authorization, recurring debit authorization, substitute account transfer, replacement card linkage, and autopay relationship tied to XXXX activity. 2. Documentation showing how and why recurring withdrawals continued after account closure and revocation of authorization. 3. Immediate investigation into whether Regulation E, EFTA, FCBA, and consumer protection requirements were violated 4. Preservation of all records, recordings, IP logs, account notes, authorization records, dispute records, replacement card records, and ACH authorization data. 5. Written explanation identifying every account number, replacement card number, and successor account used to continue these transactions. This is not a dispute over isolated purchases. This is a dispute over continued honoring of recurring electronic withdrawals and successor payment activity after repeated fraud reports, account closures, and revocation of authorization. XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX XXXX XXXX, I attempted to purchase two general admission tickets at XXXX XXXX using my card at their on-site payment terminal. The first attempt was declined due to a fraud alert from my bank. After confirming the transaction with my bank, I attempted the payment again, but it still failed on the merchants system and no tickets were issued. Despite the transaction failing on the merchants end, my bank processed and posted a charge of {$110.00} for that same attempt. Because the payment was unsuccessful, I was directed by staff to purchase tickets again using a different method. I completed a second transaction using another card, which was successful, and tickets were issued. Following this, I filed a dispute with my bank ( Claim Number : XXXX ). I submitted supporting documentation on XXXX XXXX XXXX, including a completed claim statement and evidence of the failed transaction. On XXXX XXXX XXXX, I provided additional documentation showing proof of payment using another card ( the successful transaction ), as requested. After my claim was denied, I made repeated efforts to resolve the issue. I contacted the merchant ( XXXX XXXX XXXX XXXX Customer Service ) multiple times between XX/XX/XXXX and XX/XX/scrub>XXXX XXXX XXXX, providing full transaction details and requesting a refund. The merchant stated they were unable to locate the transaction in their system as they have no record of it, but indicated willingness to cooperate with my bank if contacted directly. On XXXX XXXX XXXX, I forwarded the full correspondence between myself and the merchant to my bank and formally requested that my claim be reviewed again in light of this new evidence. In addition to written communication, I have made at least five follow-up phone calls to my bank, seeking resolution and escalation of this matter. Despite these repeated efforts, no meaningful action has been taken to resolve the issue. Throughout this process, I have acted diligently and in good faith by providing all requested documentation, responding promptly, and following all instructions given by both the bank and the merchant. As of now, the charge of {$110.00} remains on my account, even though : The transaction failed on the merchants system No tickets or services were provided for that payment A second valid payment was made separately and fulfilled Both the merchant and I have acknowledged the issue, but no resolution has been achieved At this stage, this has become an integrity issue, as I have been charged for a transaction where no service was rendered. There is a clear need for this matter to be reviewed urgently and resolved immediately, and for the improperly charged funds to be returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
My elderly mother called me today ( XX/XX/XXXX ) asking if I was okay because someone called saying they were from a pre-legal department and that she was my emergency contact. She thought I had been in an auto accident. She provided me with their contact information : XXXX XXXX, XXXX. When I called XXXX, a woman answered the phone stating that it was Baker Credit Management. I was " transferred '' to XXXX XXXX who sounded a lot like the person who answered the phone. She said that her firm was looking for me due to a wage garnishment notice. I asked her for what debt and she claimed I owed {$3500.00} for a payday loan from XXXX through XXXX XXXX XXXX. I told her I have never applied for or received a loan from XXXX XXXX XXXX. I then asked her when was the lawsuit filed and in which court. She responded that the lawsuit paperwork had not been filed but they have a wage garnishment. I then explained to XXXX that was an attorney and that there has to be a final judgment before a wage garnishment. I proceeded to ask XXXX which court was the wage garnishment document coming from, then she disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
ABLTY RECVRY is falsely reporting on my credit. I have never had any accounts with them. Per my research ABLTY RECVRY 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 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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am disputing a collection account that has been reported on my credit report because it does not belong to me. I became aware of this account in XX/XX/year> while reviewing my credit report. The account is listed under RENTRECOVERYSOLUTIONS, with an original creditor identified as THE XXXXXXXX XXXX . The reported balance is {$320.00}, with the account allegedly opened on XX/XX/year>, and updated on XX/XX/year>. I do not recognize this account, and I have never entered into any agreement, lease, or financial obligation with THE XXXXXXXX XXXX or this collection agency. I have not authorized this account, nor have I made any payments toward it. Upon discovering this, I am formally disputing the validity of this debt. I request that the company provide full verification of this account, including documentation proving that I am legally responsible for this debt. If the company is unable to provide proper verification, I am requesting that this account be removed from my credit report immediately, as it is inaccurate and negatively impacting my credit. I have taken prompt action upon discovering this issue and expect a timely investigation and resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: MN

Complaint narrative:
I am disputing a collection account related to an alleged vehicle damage claim from a rental car with XXXXXXXX XXXX XXXX XXXX XXXX that was later sent to XXXXXXXX XXXX XXXX XXXX XXXX for collection. I rented a XXXX XXXX from XXXX from XX/XX/XXXX through XX/XX/XXXX. The vehicle was returned to XXXX XXXX International Airport on XX/XX/XXXX at approximately XXXX XXXX. My final XXXX closure receipt showed only a {$64.00} charge for a booster seat and no damage charges. The original rental agreement already documented multiple pre-existing scratches and dents on the vehicle before I took possession of it, including rear bumper and rear fender scratches down to primer. After the rental, I was later contacted regarding alleged vehicle damage and eventually a collection account for approximately {$1800.00} was reported or attempted to be collected. The evidence being used against me appears inconsistent and unreliable. One of the damage photos provided by the company contains a timestamp showing XX/XX/XXXX XXXX at XXXX XXXX, which predates my rental period entirely because I did not pick up the vehicle until XX/XX/XXXX in XXXX XXXX The timestamp therefore indicates the photographed damage existed before my rental began. I formally disputed the debt and mailed a debt validation request to XXXX XXXX XXXX XXXX on XX/XX/XXXX under the Fair Debt Collection Practices Act ( FDCPA ), requesting : * proof the debt is valid, * itemization of the charges, * evidence connecting me to the alleged damage, * and proof of their authority to collect. I also requested they cease collection and credit reporting activity until proper validation was provided. To date, I have not received adequate validation proving I caused any new damage beyond pre-existing issues already documented in the rental agreement. Despite this, the account continues to be pursued as a collection matter. I am requesting : 1. Immediate investigation of the disputed claim. 2. Removal of any inaccurate credit reporting related to this account. 3. Verification of how the alleged damages were attributed to me despite evidence showing the damage predates my rental. 4. Confirmation that all collection activity ceases unless proper validation is provided. I have supporting documentation including : * the XXXX final closure receipt, * the rental agreement showing pre-existing damage, * my certified debt validation request, * and screenshots of the timestamped damage photo.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid {$5500.00} accidentally on a zero balance credit card to fifth third bank. This was in approximately XXXX I called several times and finally they mailed a check of a refund amount As I deposited the check into my checking account fifth third immediately stopped payment on that check. I have been trying to get my money to no avail.

Company response to consumer: Closed with explanation