vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 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: CO

Complaint narrative:
I have 120 months of qualifying employment and filed for PSLF buyback on XX/XX/XXXX. I need to buyback 9 months that were subject to the SAVE battle. After regular contact and 6 months with no update to the status, I filed a complaint in XX/XX/XXXX ( case number is # XXXX ) and shortly after received notification that the review was escalated in XX/XX/XXXX ( Payment Reconsideration Case # XXXX status is currently Escalated and Under Review ). It has now been 12 months since I submitted my buyback application and when I call ( most recently XX/XX/XXXX ) they say that the application is still under review and give no further information. Im writing to complain that the process is well past the stated processing time of 45 days and the lack of transparency and urgency in processing my buyback request is causing major financial setbacks and impeding significant life events like buying a house and marriage. I need to know where I stand in this uncertain time so I can move forward with my life. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 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: WI

Complaint narrative:
I made a business purchase from XXXX and upon opening and trying to operate the merchandise it did not work. I reached out to the company itself to see if I can get some help but they cant help they want me to work on the merchandise myself to fix products and make them work. I paid {$3200.00} for this equipment. I reached out to chime after XXXX XXXX XXXX and being able to begin working with it but it did not work, I let chime know that the good purchased are defective and not working. I did a dispute with chime about XXXX times and each time they denied my dispute. I provided ample evidence to prove that this merchandise isnt working and the company I purchased it from is very unresponsive. After providing new information again they still denied my dispute for my money back. I explained to them that this isnt a leisure purchase but a business transaction so my business can add a new item. Chime then came back saying we cant do anything based on the time youve had the equipment it is still under a year and regardless of how long the equipment hasnt worked since opening it and plugging it into a power source. Since having the equipment I havent been able to use it XXXX time nor make XXXX sale from the equipment. I went into grave detail and was still treated like my business or money doesnt matter. It is very negligent of chime to treat a customer with such little care. They have shown me that they dont deserve my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I attempted a wire transfer from my savings account on XX/XX/2026, it was turned down by SoFi, with no explanation. Then I was told that my account was suspended. Then 2 minutes later they decided to close the account. Now they are not giving me a date of closure. They say it is in review. If they are closing it I would like the funds returned to me as soon as possible. Nobody is giving me an explanation of how they made these decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I closed my mortgage account on XX/XX/XXXX due to a refinance. I called on XX/XX/XXXX to check the status of the check for my remaining escrow balance. I was told that a check was not sent to me and that the associate would put in a request to have a check sent to me and that it would take XXXX business days. I then called on XX/XX/XXXX and was told that my request was in a back order and that they could not provide me an estimated time frame of when it would be completed and when I would receive my check. Was told to just bare with us as they work through the back order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I held a XXXX XXXX ( account XXXX XXXX ) issued by Wells Fargo, with autopayment set to pay the full balance each cycle from my linked XXXX XXXX account ( XXXX XXXX XXXX. XX/XX/XXXX NSF no proactive notification : A {$3200.00} autopayment was returned NSF on XX/XX/XXXX. Wells Fargo 's only " notification '' was a line item labeled " ADJUSTMENT-PAYMENTS '' buried in my billing statement. No separate alert, letter, email, or call was sent. I did not understand this line item to mean my payment had been returned. XX/XX/XXXX NSF same pattern, much larger : On XX/XX/XXXX, Wells Fargo attempted to pull {$8300.00} from my XXXX account, which held only {$57.00}. The ACH was returned. Wells Fargo again reversed the payment on XX/XX/XXXX labeled " ADJUSTMENT-PAYMENTS {$8300.00} '' and added {$160.00} in interest, with no proactive notification of any kind. My XXXX statement for XX/XX/XXXX confirms no debit of {$8300.00} ever cleared. For 74 days, I had no knowledge this occurred. XXXX app displayed {$0.00} while {$17000.00} was owed : Throughout this entire period, the XXXX mobile application my primary account monitoring tool displayed a {$0.00} balance on my card. Wells Fargo has acknowledged in their response to me ( dated XX/XX/XXXX ) that transactions on the XXXX app were not visible to them following the account conversion. A consumer monitoring their balance through the provided app interface was receiving materially false information while the actual balance compounded unchecked. Fees and interest during active dispute period : I initiated a formal written dispute in XX/XX/XXXX and have made four payments totaling approximately {$1500.00} since the dispute began. Wells Fargo has continued assessing late fees and interest throughout the dispute period. The current claimed balance is {$16000.00}. Wells Fargo 's Executive Complaints Office closed my case on XX/XX/XXXX, declining to waive any fees or interest.

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 2026-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collection put a debt from XXXX on my credit report in XXXX. Alabama 6 year statute of limitations has expired. They are violating the Fair Debt Collection Practices Act ( FDCPA ) by reporting obsolete data. I disputed this with the credit bureaus, but they only removed it from my current report. I need this taken completely off my reports from when it was placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
This was the last communication I sent via email and certified mail in efforts to resolve. They have not responded to my direct inquiries, and are now ( after 2 years ) threatening to send me to collections. They are/have been withholding my diploma. It should also be known that they are under a formal investigation with the Nelnet/Dept . of Education for Borrower 's Defense due to several XXXX XXXX XXXX students not being able to get licensed as advertised, as well as purposeful delay in processing the conferral of my degree resulting in previous and continued undue hardship. RE : Formal Dispute of Alleged Account Balance To Whom It May Concern : I am and have been formally disputing the alleged balance on my student account. My understanding is that this balance resulted from an overpayment issue involving the school and a lender, not from unpaid charges directly incurred by me. Over the past two years, I have repeatedly requested clarification and documentation regarding : whether the lender was contacted to recover the overpayment, what efforts were made to correct the accounting issue directly with the lender, and the legal or contractual basis for holding me personally responsible for the amount. To date, I have not received adequate documentation or a clear explanation. Before any collection activity occurs, please provide : Copies of communications or requests made to the lender regarding recovery of the alleged overpayment ; Documentation showing the lender denied reimbursement, if applicable ; The signed agreement or policy establishing my legal responsibility for this balance. Because this matter is disputed, I request that the account not be reported to any collection agency or credit bureau while this dispute remains unresolved. With that, I request my diploma be processed completely and mailed to the address listed below, effective immediately. Please respond in writing only. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Carvana Group, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding the financing of a vehicle purchased through Carvana and financed through XXXX. On XXXX XXXX, 2026, I purchased a 2019 XXXX XXXX XXXX through Carvana and entered into a retail installment contract with a 24.99 % APR. Shortly after delivery, the vehicle displayed a hybrid battery malfunction warning. I reported the issue during Carvanas original return period and followed Carvanas instructions to seek diagnosis through XXXX XXXX The earliest dealership appointment available occurred outside the return window. XXXX XXXX identified low hybrid battery coolant and later diagnosed a catastrophic internal high-voltage hybrid battery failure with an estimated repair cost of approximately {$29000.00}, exceeding the purchase price of the vehicle. Since purchase, the vehicle has experienced multiple repair-related events and extended periods out of service. Carvana has acknowledged that the vehicle is experiencing major mechanical concerns requiring significant repairs. On XXXX XXXX, 2026, at approximately XXXX PM, I spoke with XXXX from Carvanas Executive Resolution Team. During that conversation, I was informed that Carvana did not have a comparable XXXX XXXX XXXX vehicle available for exchange. I was advised that Carvana could not offer a replacement vehicle within the same brand, product line, trim level, or similar mileage range and that I should consider switching to an entirely different vehicle make or model. I was further informed that if I chose to continue pursuing repairs, I could potentially be responsible for out-of-pocket expenses depending on claim determinations. Alternatively, I could return the vehicle and receive my down payment back, which would leave me without transportation and require me to re-enter the market to obtain a comparable replacement vehicle at substantially higher prices. As a result, I believe I am being placed in a significantly worse financial position than the one I was in when I entered this transaction. Comparable replacement XXXX XXXX XXXX XXXX currently available as Certified Pre-Owned vehicles are substantially more expensive than the vehicle I purchased, making replacement transportation financially burdensome. My concern is that I entered into a long-term financing obligation in reliance on purchasing a functioning and inspected vehicle. Instead, a catastrophic defect manifested almost immediately after delivery and during the original return period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I transferred XXXX and XXXX from my Chime into my XXXX checking account. For a total of XXXX. XXXX was in the process of closing my account due to inactivity, therefore, the funds were rejected and sent back to Chime. Chime says the funds were not rejected, they were accepted by XXXX. Now today is XX/XX/XXXX, and no one can tell me where my money is. I opened a dispute to try to get my money back on XX/XX/XXXX, after two hours on the phone with a chime supervisor and a XXXX supervisor trying to figure this out, and chime closed the dispute out on XX/XX/XXXX with no resolution and without finding my money that was sent back to them, and has yet to tell me why. XXXX was the only supervisor from chime that attempted to help me and stayed on the phone with me for 2 hours while we were on the phone with XXXX and opened the dispute. Chime has yet to tell me why my dispute was closed and yet to tell me where my XXXX is. I've had representatives hang up on me. Representatives, flat out, tell me that I'm lying. Even though i've had supervisors from Chime and XXXX talk, and everyone has confirmed that the money never went back into my Chime account. At this point I believe Chime stole my money. If XXXX sent it back, then it should be in my Chime account and everyone from Chime refuses to help me or acknowledge that my money is gone, just an oh well nothing we can do. How do I get my XXXX back, someone please help me. This has been going on for 9 days now, and im a XXXX XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Comenity Bank for an electronic payment processing error and a subsequent wrongful denial of my interest charge XXXX authorized a one-time payment on my account. After that payment was scheduled, I logged into my online portal and manually updated my account settings back to " Pay Statement Balance in Full '' to prevent interest from accruing. However, Comenity 's system failed to transmit and process this change request. As a result, the system only processed the original one-time payment amount twice instead of the requested full statement balance for the following months. Because Comenitys system failed to register my online update, the bank charged me interest. As soon as I discovered this banking system error, I took immediate corrective action and paid the remaining account balance in full to mitigate further charges. I contacted Comenity to resolve this system glitch, but they issued a formal denial letter and have refused to reverse the interest. I am a responsible consumer who actively managed my account settings, and I should not be penalized with trailing interest due to a failure in the bank 's web transmission software..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I couldnt afford the payments anymore due to financing issues, i tried to find a solution or some type of payment arrangement that works best for my financial situation but was unsuccessful they repossessed the vehicle anyway and I agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am opening this claim in continuation of claim # XXXX. Wells Fargo 's response to my previous claim does not resolve the issue in a way that upholds consumer protection principles. While I am grateful Wells Fargo acknowledges that the evidence shows I am the victim of fraud, their response contains a critical contradiction in reasoning that I want to address clearly. They state : While the documentation reviewed supports that the customer was impacted by a scam, it does not show the transactions were unauthorized Although the situation involved a scam, the transactions were authorized at the time they were made and are not considered fraudulent. This reasoning ignores the very definition of fraud : obtaining money OR AUTHORIZATION through deception. Wells Fargo refuses to acknowledge that authorization obtained through deception is not true authorization. The only reason I approved these transactions was because the scammer created a false identity, used stolen photos and videos, fabricated a lawfirm email domain, and sent deposits to my account- all of which appeared very legitimate. I did not know the situation was fraudulent at the time I gave authorization. Wells Fargo acknowledges that I was the victim of a scam, yet they are treating the scammers deception as irrelevant to the validity of the authorization. This position effectively means that any scam in which the victim is manipulated into authorizing a transaction would never qualify as fraud a conclusion that contradicts the very definitions of fraud and consumer scams. Their decision makes no logical sense. No victim of a scam knows they are being scammed at the moment they authorize a transaction. That is precisely what makes it a scam. Victims of crime are not responsible for the sophistication of the crime committed against them. Authorization given through fraudulently obtained trust should not be penalized. It is evidence of the scammers success in creating a believable cover for the deception they are carrying out. Wells Fargos decision acknowledges the scam but refuses to follow through with protection for the consumer. Their reasoning places liability on the victim rather than on the perpetrator, which is inconsistent with consumerprotection laws. I respectfully request that the CFPB review Wells Fargos decision in light of this contradiction and require the bank to apply consumerprotection principles appropriately to the clear evidence of fraud committed against me.

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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am requesting full verification of the alleged debt referenced in your recent notice, including the original creditors information, the claimed balance, documentation showing my obligation for the debt, and proof of your authority to collect it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX made charges to my XXXX account ( which is attached to my XXXX and XXXX checking accounts ).... As XXXX tells you to do, I disputed the charge with XXXX and they did not respond. I reached on out XXXX on XX/XX/year> as their website says you are supposed to and it took forever to find a way to dispute the charge but I finally submitted it- it was denied within a day. Their email said I could request the documents that supported their decision- which I did as the email instructed and that email was undeliverable... I tried it several times with the same results- the email is no good. I'm at my wits end.... I want the charges that I did not authorize refunded.... I did not give XXXX access to my XXXX account - I did not provide that information ever. I believe this is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 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: TX

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal 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 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management is continuing to report a {$2800.00} collection account as valid and collectible even though they have never provided proper validation. I sent validation requests on XX/XX/XXXX delivered XX/XX/XXXX and XX/XX/XXXX delivered XX/XX/XXXX plus a formal demand letter delivered XX/XX/XXXX. Midland never gave chain of assignment signed agreement or itemized ledger. In their XX/XX/XXXX response they admitted they only sent an old XXXX billing statement and routed everything to XXXX XXXX XXXX instead of me. All three credit bureaus have now verified the account as accurate including the most recent XXXX result dated XX/XX/XXXX Confirmation XXXX. This is willful inaccurate reporting after clear notice of the validation failure.I demand immediate deletion of this unverifiable account from all credit reports.

Company response to consumer: Closed with explanation