vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: OH

Complaint narrative:
reported an unauthorized charge on my account, and as a result, my debit card was canceled. Since that time, I have been unable to obtain a replacement digital or physical card. I have contacted customer support multiple times over the past XXXX weeks, and each time I am told that my case has been escalated and to wait XXXX business days. Despite complying with these instructions repeatedly, no resolution has been provided. At this point, I do not have access to a digital card, nor am I able to request or receive a physical card through the app. As a result, I am effectively locked out of accessing my own money. Additionally, the alternative withdrawal options provided are not reasonable or accessible : There is a {$2000.00} monthly withdrawal limit, which restricts my ability to access my full balance. I am unable to transfer funds to an external bank account due to an outstanding XXXX balance, which further prevents me from accessing my funds. This situation has created a significant financial hardship, as I am unable to freely access money that belongs to me. I have made multiple good-faith attempts to resolve this issue through customer support without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We have been working with shellpoint since XX/XX/year> on the hardship. Since then they have stated once they have paperwork it will take XXXX days. At the end of the month I called and was told they never reviced the paperwork. They sent the package again and this time I faxed it to them since they never got the info last time. I called them and they need more information and every time i called to get update they always needed something else. They took so much time asking for more information and last week they said they had everything they needed. On friday I called and was told they had it and will take about XXXX days to review. I has asked about a hold on the foreclose and was told they would let the XXXX know to have that taken care of. That some day they called me to til me Hardship was denied and they will mail me a letter.

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 2026-03-23 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: OH

Complaint narrative:
I submitted a XXXX XXXX XXXX XXXX ( PSLF ) Buyback request in XX/XX/year> through the XXXX XXXX XXXX XXXX. I currently have XXXX qualifying XXXX payments and over XXXX years of qualifying public service employment. Despite being nearly eligible for forgiveness and submitting all required documentation, I have received no update or determination on my buyback request for over a year. I have submitted multiple inquiries and complaints through XXXX XXXX XXXX and received only automated responses telling me to continue waiting, and that I am not eligible to submit another buyback request since the one filed in XX/XX/year> is still pending. I also reached out to my Congresswoman 's office, XXXX XXXX, whose office has had multiple contacts with Mohela and XXXX on my behalf, and have continued to be told the same thing - there is nothing that can be done, I just need to wait. Which is unacceptable. I went back into repayment in XX/XX/year>, paid XXXX month, submitted a PSLF forgiveness application, again, and then was placed back in forbearance, and the XXXX payment was not taken from my account. I now have XXXX payment pending, and have no way to pay it, and neither Mohela nor XXXX will assist me with getting the last month paid under buyback. This delay is preventing me from completing XXXX despite having nearly all required payments and qualifying employment. I am requesting that my PSLF buyback request be reviewed and processed immediately, and that I receive a formal status update or determination.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a collection account with National Credit Systems regarding an alleged debt from XXXX XXXX XXXX. This collector is in direct violation of 15 U.S.C. 1692g ( a ) and CFPB Regulation F ( 12 CFR 1006.34 ) by way of documented violation. The Violation : The collector failed to provide the mandatory written validation notice within five days of their initial communication regarding this debt in XXXX. Under FDCPA a debt collector is required to provide written validation notice within 5 days of their initial communication. I never received this notice in XXXX. Burden of Proof : I am requesting that National Credit Systems provide verifiable proof of mailing of INITIAL 2021 1692g ( a ) validation notice to correct forwarding address which was given to XXXXXXXX XXXX XXXX before departure of apartment. Simply providing a copy of the lease is not sufficient ; the collector must prove that the validation notice was actually sent within the five-day statutory window. The Impact : Because the collector failed to provide this mandatory notice, I was denied my legal right to dispute the " joint '' liability status and itemization of the charges within the 30 day window. A debt collector can not cure a multi-year notice violation by simply providing a notice now ; the initial failure to provide the five day notice is standalone violation of the FDCPA and an actual account of procedural failure. This in return makes this debt invalid. Validation Issue : I previously disputed this with Transunion, and the collector has failed to produce proof of initial 5 day notification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Bought a motorhome from XXXX XXXX XXXX XXXX, az in nov. 2025 an financed by mountain American credit union branch office in XXXX az. I paid {$390.00} to seller for dock fees to processing fee for title and dmv registration and license plates. To date I have not received title or copy of title from seller or credit union. Several visit and and phone calls to branch bank and contacts with seller have proven poiniless.The seller said the title and papers were sent multiple times to credit union and multiple times the credit union said that they received nothing.T oday the credit union via phone call said that papers are being sent to me for signature and I should take papers to dmv for processing.it been excuses for four months from seller financiers. There were hidden flaws in motorhones ; broken slide out, bad generatot, bab ac.I want the money that I paid refunded immediately.lf something can be done about bad motorhome I am appreciated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Yes where do I begin. XX/XX/XXXX of XXXX I was XXXX there was roughly XXXX dollars in my wellsfargo checking account on my date of XXXX. My wallet and my phone were left in my vehicle which my father picked up at the impound. I wasn't released from XXXX until XX/XX/XXXX. On XX/XX/XXXX when my wallet was dropped off to me I noticed my debit card was missing. I went to a wellsfargo location in XXXX XXXX to find out my account had been overdraft and closed. Well since I was incarcerated from XX/XX/XXXX of XXXX to XX/XX/XXXX of XXXX I couldn't have made any transactions. The banker and myself sat down and looked at my bank statements and found out starting XX/XX/XXXX of XXXX there was over XXXX unauthorized ATM transactions at XXXXXXXX XXXX XXXXXXXX XXXX in the name XXXX XXXXXXXX XXXX XXXX XXXX XXXX transactions, a towing payment, a XXXX XXXX XXXX payment and so many more totalling to well over XXXX dollars worth of theft. The fraudulent transactions abruptly stopped XX/XX/XXXX of XXXX due to my funds being all but wiped out. So XX/XX/XXXX of XXXX after reviewing the fraudulent activity on my account I provided proof of my XXXX to the banker and submitted a claim and called the XXXX XXXX police non emergency line to start a legal investigation. Thinking the claim was submitted I came back to the bank XX/XX/XXXX of XXXX to submit some emails between the detective and myself with the police report number on it. I find out the claim was never processed. To my dismay I than called to open a claim resolving that. On XX/XX/XXXX I called to email the pdf of my XXXX XXXX records to wellsfargo to find out that the amount that the claim was for was only XXXX dollars. I than escalated the case immediately that day and the claims representative than submitted a quote saying the amount was wrong. So there's a claim still active in the executive branch at this moment that should be concluded XX/XX/XXXX. I found out though the claims department on XX/XX/XXXX denied my claim for reasons they couldn't explain to me and was told to contact the vendors myself. Im filing this today due to the fact I was robbed XXXX XXXX of XXXX while I was XXXX my extenuating circumstances of being XXXX made me unaware and vulnerable to this fraud and my banks claims department has denied my claim wrongfully. Under regulation E I'm entitled to the money I worked so hard and entrusted to wellsfargo to safe guard and insure on my behalf. I have cooperated fully with both law enforcement and wellsfargo to provide any and all information they might need and have been proactive in making sure they received that. Some documents were illegible due to my camera and I had to call and ask about whether those documents submitted were in the claims file. I need help getting my funds back.

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 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute and object to the foreclosure proceedings currently being pursued on my property. Despite multiple prior communications and the submission of substantial evidence, the bank continues to move forward with foreclosure without conducting a proper investigation and while completely disregarding critical facts. To be absolutely clear : The property has been officially declared an unsafe structure by the City of XXXX The property is sealed, and access is legally restricted There is an ongoing legal case against the condominium association and related parties I have no physical access to the property at this time These are not assumptions they are documented facts that have already been provided to your institution. The explanation given by the banks attorney that a visit was attempted and no response was received is completely unreasonable and unacceptable. The property is sealed and inaccessible. Attempting to justify foreclosure based on lack of access in this situation shows a clear failure to understand, or a disregard for, the actual conditions of the property. More importantly, suggesting or expecting access under these circumstances could violate city regulations, as the structure has been deemed unsafe. The bank is effectively proceeding under conditions that make compliance impossible. I have made it clear that I am willing to resolve my financial obligations. However, the bank can not ignore the fact that there is a pending legal matter that directly affects access, liability, and the condition of the property. Moving forward with foreclosure while these issues remain unresolved is not only unjustified, but also negligent. At this point, the banks actions reflect a lack of due diligence and a failure to properly evaluate the situation. I am demanding the following immediately : Stop all foreclosure proceedings until the legal case against the association is fully resolved, so that I can access the property and proceed with paying all outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing this complaint regarding a missing {$500.00} ACH transfer that has not been resolved. On XX/XX/year>, I initiated a {$500.00} transfer from my XXXX XXXX XXXX savings account to my Capital One savings account. My XXXX XXXX account shows that the {$500.00} was successfully debited and sent to Capital One. Capital One has stated that the transfer was returned due to insufficient funds and provided a trace number ( XXXX ), a return code, and a settlement date. Based on this, they denied my claim and stated the transaction was processed correctly. However, I have worked directly with XXXX XXXXXXXX XXXX ACH Operations team, and they have confirmed the following : They searched their internal ACH records and the Federal Reserve ACH system using the trace number provided by Capital One. There is no record of any ACH credit or return transaction matching this trace number. They did not receive any returned funds from Capital One. They confirmed the only ACH activity from Capital One was : XXXX XXXX {$500.00} debit on XX/XX/year> that successfully posted. XXXX XXXX second {$500.00} debit attempt on XX/XX/year> that was returned due to insufficient funds. Additionally, the return code provided by Capital One is not a valid ACH return code format ( which should follow standard ACH return codes such as XXXX, XXXX, etc. ), raising further concerns about the accuracy of their response. Capital One later stated that the funds were returned and provided the following details : Trace Number : XXXX Return Code : XXXX Settlement Date : XX/XX/year> However, XXXX XXXX XXXX confirmed they have no record of any transaction matching this trace number in their system or in the Federal Reserve ACH network. Because the receiving bank has confirmed that no ACH return was ever received and the trace number provided does not exist in the ACH system, the alleged return transaction did not successfully settle. As a result : The {$500.00} left my XXXX XXXX account. The {$500.00} was removed from my Capital One account as a returned transfer. The {$500.00} was never returned to my XXXX XXXX account. The funds are currently unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I canceled a XXXX delivery order on XX/XX/year> due to delays caused by weather. The original charge was for XXXX because of express delivery. With express delivery being taken off the amount taken from my card was XXXX. XXXX confirmed that my order was canceled and that a refund was issued back to my card. They gave an XXXX ( XXXX ). However, I never received the refund to my American Express Serve account. The original charge posted to my account, and after waiting, I contacted Serve and filed a dispute. I provided proof that the order was canceled, including the order number and confirmation. After over a XXXX of investigation, Serve denied my dispute stating that the transaction was billed correctly. This response does not address the actual issue, which is that I never received the refund for the canceled order. As of today, the funds are still missing from my account. I am requesting that American Express Serve properly investigate the missing refund and return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
When I opened my savings account with TD Bank, I was not clearly informed about any recurring transaction fees. The only information provided to me was about possible charges for transactions outside of TD Bank. I was never told that I would be charged fees for normal transactions within my own account. Over the past few months, I have been charged {$3.00} repeatedly for routine transactions, such as transferring money to my savings account or depositing a check. These charges have occurred approximately XXXX times. This is extremely excessive and unfair. If this were a monthly fee, it would be understandable, but charging a fee every single time I use my account in this way was never properly disclosed to me. I contacted TD Bank to request an explanation and a refund, but they have refused to return the money and have not provided a clear or reasonable explanation. I believe these charges are abusive and were not properly explained at the time I opened the account. I am requesting a full refund of these fees and a proper review of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
online banking accounted created at Truist Bank without my knowledge. attempted to deposit fraud check in amount of XXXX on XX/XX/year> via mobile banking. check information was listed as XXXX XXXX and XXXX XXXX with address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with routing and bank account number from check are XXXX and XXXX XXXX truist was contacted today when the letters for overdrawal were received and they noted the account had been opened online, mark as fraud, and mark as identity theft.

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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am following up on my previous complaint regarding the continued, unauthorized, and unverified collection account reported by TransUnion from XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/year> ). The original creditor for this account was XXXX XXXX XXXX XXXX. This account was never authorized by me, and there has been absolutely NO verification provided regarding this debt. Not only has TransUnion failed to properly verify this account, but they also failed to give me the proper opportunity to dispute it as required under the law. Under 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, debt collectors must validate the debt upon request, but they didnt do that. They also violated 12 CFR 1006.34 ( c ) ( 4 ) ( i ) by denying me the chance to dispute this account properly. And let 's be clear, TransUnion reported this account to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which states that no information should be furnished to a credit bureau unless proper disclosures and an opportunity to dispute are given. That DID NOT happen here. I have also filed an FTC Identity Theft Report regarding this account, which clearly shows that this account is unauthorized and must be removed. Just this month, I filed a CFPB complaint against the collection agency, but I have yet to receive any response from them. This ongoing lack of response further highlights the failure to resolve this matter properly. Additionally, TransUnion violated 15 U.S.C. 1681b, which mandates a permissible purpose to report information to credit bureaus. This account was reported without my consent, without proper validation, and in complete disregard of my rights under the FCRA. This negligence is unacceptable and has caused significant harm to my credit and financial standing. I am now demanding that the CFPB take IMMEDIATE action to force TransUnion to DELETE this unverified, unauthorized collection account from my credit report. TransUnion has already failed to adhere to the law, and I WILL NOT tolerate any delays or excuses. If they refuse to remove this account, I WILL pursue legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA.

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 2026-03-23 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: FL

Complaint narrative:
In XX/XX/XXXX, a federal student loan was opened fraudulently in my name through Nelnet for attendance at XXXX XXXX XXXX. I have never attended XXXX XXXX XXXX and never applied for this loan. I discovered the fraud in XX/XX/XXXX via my credit report. I have filed an FTC Identity Theft Report ( Report # XXXX ), a police report with XXXX XXXX Police Department ( Case # XXXX ), and a DoE Loan Discharge Application for False Certification ( Identity Theft ), signed and dated XX/XX/XXXX. I submitted these documents to Nelnet at XXXX on XX/XX/XXXX and was told the DoE form required a hand signature before they could proceed. I resubmitted with a hand-signed form and received no email or phone follow-up for nearly a quarter year. Nelnet claims a physical letter was sent but I have no record of receiving it, and no digital communication was made to confirm this. I explicitly requested via email that Nelnet communicate with me via email or phone in addition to physical mail. This request was ignored. This fraud case has now been ongoing for XXXX months. Nelnet 's failure to communicate meaningfully via email or phone, despite my explicit requests, has significantly delayed resolution. I am requesting CFPB intervention to ensure Nelnet processes my discharge application promptly and does not refer this fraudulent account to collections during the review period.

Company response to consumer: Closed with explanation