vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I received a notification from XXXX XXXX  in my email from the collection agency I C System from XXXX XXXX XXXX saying I owe {$130.00} and {$140.00} I have never applied for a card from XXXX XXXX XXXX and I am confused of why XXXX XXXX XXXX  is on my credit report and I believe this is an unauthorized transaction

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 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year>, I reported unauthorized withdrawals from my checking account. According to Bank Of America, an individual used a fraudulent identification and my account number to impersonate me and withdraw funds in person at Bank of America branches. 

The withdrawals were not authorized by me. I promptly opened a fraud claim and cooperated fully with the investigation. 

Excluding weekends and the federal holiday on XX/XX/year>, the tenth business day following notice was XX/XX/year>. As of today, provisional credit has not been issued, and the investigation remains unresolved. 

When I contacted Bank of Americas fraud department to request provisional credit and escalation, I was told the bank does not have to follow Regulation E because the fraud occurred in a branch using a fake ID rather than online. I dispute this position. The funds were removed without my authorization. 

Bank of America has failed to provide provisional credit, failed to escalate to compliance, and stated it could not assist further. I am requesting immediate provisional credit, reimbursement of fees caused by the delay, and compliance with federal consumer protection requirements.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
Account : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. / Radius Global Solutions LLC XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I am submitting this complaint to challenge the authority of XXXX XXXX XXXX  XXXX. and Radius Global Solutions LLC to continue collection activity on the referenced XXXX credit card account. 

The alleged receivable was securitized into XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and neither entity has provided documentary proof establishing legal ownership or authorized servicing rights following securitization.

Lack of Authority to Collect Once a receivable is transferred into a securitization trust, the trust is the legal owner unless specific rights are retained or reassigned. 

To date : No chain of title has been produced No servicing agreement or power of attorney from the trust has been provided No documentation identifies the current legal owner of my specific account Despite this, Radius Global Solutions LLC continues to issue collection letters identifying XXXX XXXX XXXX, XXXX. as the creditor without substantiating its post-securitization interest. 

This constitutes collection activity without verified legal standing. 

Demand for Immediate Cessation Because ownership and authority have not been established, I formally demand : 1. Immediate cessation of all collection activity 2. Withdrawal of the account from all collection systems 3. Removal of any associated credit reporting If XXXXXXXX XXXX XXXXXXXX, XXXX. or Radius Global Solutions LLC believes they have authority, they must produce admissible documentation establishing : Ownership or retained interest Trust-issued servicing authority Authorization for Radius Global Solutions LLC to collect Absent such proof, continued collection efforts are improper. 

Notice of Liability ( Preserved ) This complaint serves as formal notice that any continued collection activity or credit reporting after receipt of this complaint, without documented authority, may constitute : FDCPA 807 violations ( misrepresentation of legal status ) FDCPA 809 violations ( failure to validate authority ) UDAAP violations due to unfair and deceptive collection practices I expressly reserve all rights to pursue statutory damages, actual damages, and any remedies available under federal or state law for emotional distress, harassment, and continued unlawful collection. 

I request that the CFPB : Require documented proof of authority or Direct cessation of collection and removal from credit 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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bait and switch Citibank mailed an offer to open a regular checking account for new Citi accounts to receive a {$320.00} bonus under. I went through the steps via the XXXX code, as i do not have a citi checking or savings account. Once i completed the process and got to the end, the XXXX ' checking account was now a XXXX ' account. The bait and switch practice under the " Relationship tier '' of 'Gold ' requires a minimum CAD of {$30000.00} ( USD ). I did not sign up for a XXXX checking account, the advertisement was not for a XXXX checking account, strictly Citi regular checking account. 

I signed up today XXXX and called to close this account by XXXX ( EST ). 

Im writing this complaint to point out this practice. If you 'Google XXXX it, other customers have been effected by this tactic. 

Thank you

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 2026-01-26 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/year>, I received a spoofed call from a number that appeared to be Navy Federal Credit Unions ( NFCU ) official number. The caller claimed my account was compromised and that urgent action was needed. The call dropped, and I called the number back. Shortly after, the same number called again, and I told them I would only continue communication through NFCUs official number. 

Moments later, I received a call that appeared to be from NFCUXXXX actual number, reinforcing the belief it was legitimate. Concerned, I immediately contacted NFCU directly, reported the situation, and attempted to secure my account. Despite taking quick action, {$930.00} had already been withdrawn without my authorization. 

I promptly filed a fraud claim and submitted all required documentation. Initially, the funds were returned, but NFCU later reversed the credit, citing that the transaction did not qualify as fraud. I filed a formal rebuttal under XXXX XXXX, detailing the spoofing attack, the unauthorized nature of the withdrawal, and the steps I took to report and mitigate the issue. The bank then denied the claim again without adequate justification. 

The denial ignores key details : I did not authorize the transaction. 

I acted quickly and in good faith to report the fraud. 

The spoofed call misled me using Navy Federals caller ID, a common and documented fraud tactic.

Ive asked for a full reconsideration of the fraud denial and a return of the {$930.00} under Regulation XXXX protections. NFCUs handling has left me feeling unprotected, despite taking responsible actions. Im now asking for CFPBs help to ensure proper fraud protocols were followed and that my funds are returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I am submitting this complaint regarding the servicing of my federal student loans over multiple years by various loan servicers, many of which have changed over time. I do not have a complete record of all servicers due to frequent transfers, but the pattern of servicing misconduct has been consistent. 

During periods of financial hardship, I repeatedly contacted my loan servicers seeking assistance with affordable repayment options. Instead of being fully informed about income-driven repayment ( IDR ) plans for which I may have been eligible, I was repeatedly advised or placed into forbearance. 

I was not adequately informed that forbearance would cause interest to accrue and capitalize, significantly increasing my loan balance, nor was I informed that time spent in forbearance would delay or prevent progress toward loan forgiveness. I was also not provided with clear comparisons between forbearance and income-driven repayment plans, including the possibility of {$0.00} or low monthly payments under IDR. 

As a result of this forbearance steering and failure to provide complete and accurate information, I experienced substantial financial harm, including increased loan balances, prolonged repayment, and the loss of months or years that could have counted toward loan forgiveness under federal programs. 

I believe these actions constitute unfair, deceptive, or abusive servicing practices. I was denied the opportunity to make informed decisions about my repayment options and was steered into repeated forbearances that primarily benefited the servicers rather than my long-term financial well-being. I even submitted a borrower defense cases in XX/XX/year> that still have no resolution and currently say still in review. 

I am requesting a full review and correction of my loan servicing history, including retroactive credit for periods of improper forbearance, correction of any servicing errors, and consideration for appropriate loan forgiveness, discharge, or other relief under applicable federal student loan programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: EA Holdings Corp.
State: IL

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Easy Acceptance regarding deceptive, predatory, and unlawful lending practices related to my vehicle purchase and financing. 

At the time of sale, I was XXXX months pregnant and medically vulnerable. I was subjected to high-pressure sales tactics and was not properly informed of the true loan terms. The dealership failed to disclose the APR ( 21.90 % ), finance charges, and total cost of credit prior to signing, in violation of federal disclosure requirements. 

I did not receive a complete copy of the retail installment contract at the time of signing and was not provided my contract until months later, despite repeated requests. When I finally received the contract, I discovered material loan terms that had never been disclosed to me. 

Within XXXX hours of taking possession of the vehicle, I went into labor. After discharge from the hospital, I discovered the vehicle had serious mechanical defects, requiring major suspension repairs and extended service time. The dealership had not even performed a basic oil change prior to delivery. Repairs were only made after I threatened to return the vehicle. 

Despite placing the account in dispute, I was subjected to repeated harassing collection calls and text messages. 

I also discovered that an unauthorized vehicle inquiry and/or tradeline was placed on my credit report for a vehicle I never purchased, constituting unauthorized access to my credit and inaccurate credit reporting. 

Due to these violations, I have served both companies with a formal pre-litigation legal notice demanding rescission of the contract, full refund, and deletion of all credit reporting. I am requesting immediate regulatory investigation and enforcement. 

All supporting documentation and evidence are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My doctors office has been in collection since my insurance was ridiculous and never submitted the claim. They never took the claim therefore, I am owing nothing to the XXXX as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am a XXXX XXXX XXXXXXXX illinois veteran, which entitles me to a full property tax exemption. My mortgage company, NewRez/Shellpoint is not willing to honor this exemption and refuses to tell me why. I have submitted all of the required paperwork, seven or eight times and that is not hyperbole. Their tax department is rude and not willing to help. I have even gone so far as to request an escrow waiver, but have gotten no response from that either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This complaint concerns a prolonged dispute and refund deadlock involving Bank of America, XXXX, and XXXX that has prevented me from receiving a refund of {$3700.00} for nearly a month. 

The original transaction was made using my Bank of America debit card via XXXX. 

After XXXX initially failed to provide clear refund status and XXXX did not provide meaningful updates, I opened a dispute with Bank of America as a protective measure. 

In early XXXX, XXXX formally approved a full refund and confirmed in writing that the refund was processed and marked as processing, with an estimated arrival date of XX/XX/year>. 

After XXXX approved the refund, XXXX advised me that they could not accept or process the refund unless the Bank of America dispute was closed first. 

Acting on XXXX instructions, I contacted Bank of America and formally withdrew the dispute on XX/XX/XXXX to allow the refund to be processed. 

XXXX attempted the refund again and provided a transaction ID on XX/XX/XXXX. I was advised to check my XXXX account on XX/XX/XXXX, but the refund was still not accepted or completed by XXXX. 

Because the refund was not processed despite following XXXX instructions, I contacted Bank of America and reinstated the dispute, as the funds had not been returned. 

As of XX/XX/XXXX, the refund remains unresolved. XXXX continues to block the refund administratively, and XXXX has stopped attempting to resend the refund due to the chargeback status. Bank of America has indicated limitations in resolving the dispute without XXXX completing the refund. 

I have spent many hours communicating with all three parties. This is an administrative failure between institutions, not consumer error. I am requesting Bank of Americas executive dispute or resolution team coordinate directly with XXXX to resolve the chargeback block and allow the approved refund to be completed.

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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am writing regarding an international wire transfer sent from my Bank of America account to my XXXX account in XXXX on XX/XX/XXXX. 

Although I was initially informed that the funds should arrive by XX/XX/XXXX, the beneficiary bank ( XXXX XXXX ) has confirmed that they have not yet received the transfer. 

Could you please provide me with the official XXXX XXXX confirmation for this transaction? 

I specifically need the XXXX document/details showing : XXXX XXXXeference number Value date Amount sent Beneficiary XXXX  Receiving bank XXXX XXXX XXXXXXXX ) Any intermediary/correspondent bank involved Current status of the transfer This information is required so XXXX can initiate an incoming XXXX XXXXnvestigation on their side. 

Thank you for your assistance. I look forward to your prompt response.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Account : Nordstrom Credit Card Entities : TD Bank USA, N.A. / XXXX XXXX XXXX XXXX Securitization Trust : Nordstrom Credit Card XXXX XXXX XXXX I am submitting this complaint to challenge the authority of TD Bank USA, N.A. and XXXX XXXX XXXX XXXX to continue collection activity on the referenced Nordstrom credit card account. 

The alleged receivable was securitized into Nordstrom Credit Card XXXX XXXX XXXX, and neither entity has provided documentary proof establishing legal ownership or authorized servicing rights following securitization. 

Lack of Authority to Collect Once a receivable is transferred into a securitization trust, the trust is the legal owner unless specific rights are retained or reassigned. 

To date : No chain of title has been produced No servicing agreement or power of attorney from the trust has been provided No documentation identifies the current legal owner of my specific account Despite this, XXXX XXXX XXXX XXXX continues to issue collection letters identifying TD Bank USA, N.A. as the creditor without substantiating its post-securitization interest. 

This constitutes collection activity without verified legal standing. 

Demand for XXXXmediate Cessation Because ownership and authority have not been established, I formally demand : 1. Immediate cessation of all collection activity 2. Withdrawal of the account from all collection systems 3. Removal of any associated credit reporting If TD Bank USA, N.A. or XXXX XXXX XXXX XXXX believes they have authority, they must produce admissible documentation establishing : Ownership or retained interest Trust-issued servicing authority Authorization for XXXX XXXX XXXX XXXX to collect Absent such proof, continued collection efforts are improper.

Notice of Liability ( Preserved ) This complaint serves as formal notice that any continued collection activity or credit reporting after receipt of this complaint, without documented authority, may constitute : FDCPA 807 violations ( misrepresentation of legal status ) FDCPA 809 violations ( failure to validate authority ) UDAAP violations due to unfair and deceptive collection practices I expressly reserve all rights to pursue statutory damages, actual damages, and any remedies available under federal or state law for emotional distress, harassment, and continued unlawful collection. 

I request that the CFPB : Require documented proof of authority or Direct cessation of collection and removal from credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Albert Corporation
State: VA

Complaint narrative:
the company taking money out of my checking account is Albert genius they have taken money and I thought it stopped to day the took XXXX and XXXX again my name is XXXX XXXX XXXX I do not want this comp taking any more of my money and to stop thank you XXXX XXXX XXXX

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 2026-01-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
We have spoken to the company rep and their supervisor twice now and have not been able to come to a solution. We are 4 months behind on our mortgage. We had gotten two offers in the mail- the first one was that they would make a payment if we could make a payment. They said that offer expired. The second letter offered {$3000.00} to move out peacefully and clean the home. I discussed that with them today and they said we'd have to move out within 2 weeks. I offered to start making payments again but they said that wouldn't be enough because we'd still owe the last 4 months. I asked for a payment plan on the past due amount but they said they couldn't do that either. They said they were trying to work with me but they didnt offer any solution besides me sending them the total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> I sent a payment for my entire balance which was XXXX above what was owed. On XX/XX/XXXX I contacted capital one and requested a refund for the over payment and was told that it would take 10 business days for a paper check to be mailed out. XX/XX/year> I called Capital one again and was told that there was a problem and that the process had not begun. I asked to speak to a supervisor. Supervisor told me there was no problem and the check would be sent in the next day on the XXXX. I called on XX/XX/year> and spoke with a Capital agent who told me that the check had not gone out. I asked to speak to a supervisor who then told me that the check would go out on the XXXX. My understanding was that a check for over payment should have been sent to me after 7 days after Capital One was notified but it seems that Capital One does not adhere to this.

Company response to consumer: Closed with explanation