vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
My lender, XXXX XXXX, issued a post-closing Closing Disclosure specifically to return my {$5000.00} earnest money using additional seller credit. The lender confirmed in writing that the earnest money was to be returned. 

Despite this confirmation, the {$5000.00} was never disbursed. The lender, builder, and title company have failed to respond to multiple written requests asking who is holding the funds and when the refund will be issued. 

This is a post-closing accounting and disbursement failure involving borrower funds on a VA loan. I am requesting immediate release of the {$5000.00} owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint to report an incorrect default designation on my federal student loan following a servicer transfer from XXXX to XXXX, and an unexplained and undisclosed assignment to Aidvantage. I have never missed or made a late payment on my student loans. I received written notice that my loans were transferred from XXXX to XXXX. I never received noticeby mail, email, or phonethat any portion of my loan was transferred to Aidvantage. I received no billing statements, login credentials, or payment instructions from Aidvantage. Despite this, the U.S. Department of Education has informed me that a portion of my loan is allegedly in default, and I have been told I must either pay in full or obtain a new loan. This is factually incorrect and places me at risk of unjust credit harm. I believe this constitutes improper loan servicing, failure to provide required notice, and inaccurate account reporting. I am requesting CFPB assistance to ensure : Immediate correction of my loan status Removal or prevention of any negative credit reporting Written confirmation of the correct servicer ( XXXX ) and account status. 

I received a reply from Aidvantage stating they sent notices and phone calls and emails but I have no such things or I would have paid the loans as I have been paying on my other ones on time and never late. I have sent in the following response on the complaint that CFPB has closed. 

" I have received no such notice that the loans were transferred from XXXX to Aidvantage nor any phone calls or letters of delinquency. This is a well known issue that Aidvantage has failed to notify their borrowers that any loans were transferred as can be references in any XXXX search. I have filed a complaint with the Texas Attorney General office as well. My other loans were transferred to XXXX with no issue and the automatic draft for monthly payment was transferred over without me having to do anything. Please provide proof of any and all notices that were sent to my address by certified mail. Again I have never heard of your company until I contacted the Dept of Education. If you can not send proof that this was sent and received by myself expect litigation in court. I have no problem paying off this balance in full but your track record with handling these student loans is poor and I will not let you affect my credit report due to your incompetence. I want proof of any phone calls that were made and all certified mail that was sent to my house. '' I have also filed a complaint with the Texas AG office and will continue to run this up the ladder until this if fixed on your end. After reviewing online reviews of the XXXX to Aidvantage transition this is not the first time this has happened. I have just written correspondence to XXXX. Yes there is a website dedicated to the students that Aidvantage has XXXX  since 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Staring last year I contacted Capital One on several occasions to get placed on a payment plan I could afford. Capital One repeatedly declined and this was on a recorded line. Therefore, I continued to make payments when I could considering my financial circumstances. Capital One decided to close the account and allow XXXX XXXX XXXX to collect the debt. XXXX XXXX XXXX is a horrible law firm and since I have accessed the Capital One account and noticed XXXX XXXX XXXX is now in charge of collections Ive been unsuccessful is contacting them. Ive sent multiple emails and left multiple voicemail messages. No one at the law firm is contacting me back. Ive contacted Capital One to see if someone else came collect the debt on their behalf, because the lack of contact and communication from XXXX XXXX XXXX is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal permanently deactivated my personal account on XX/XX/year> after approximately XXXX years of use. The account was fully verified, including identity verification, address verification, linked to my personal bank accounts and credit cards. 

I do not conduct business transactions. All activity consisted of personal payments between friends and family. I have never sold goods or services and have not had chargebacks or disputes. 

PayPal informed me that my account was permanently limited and that {$150.00} of my personal funds would be held for XXXX days, without providing a specific policy violation or a clear explanation for the hold. 

I contacted PayPal to request clarification, a review of the decision, and the release of my funds. PayPal stated the decision was final and did not provide meaningful details or an appeal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: OK

Complaint narrative:
Early in XXXX, I was the victim of ID Theft. Someone got ahold of my personal information and created a physical Oklahoma Driver 's license. I was able to handle all the accounts associated with my Credit Bureaus. I put a credit freeze in place and worked with the Credit Unions to have the accounts removed from my credit. 

After I had done this, I was contacted by " Advanced America '' A loan company that does not require a credit bureau pull for lending. They told me I had an account number # XXXX. I explained the situation and provided the XXXX XXXX report number that I had filed. ( XXXX ) I was assured that the issue would be handled on their end. 

Today, I received a call from XXXX with XXXX XXXX. He was attempting to collect on the approximately {$2200.00} balance for account XXXX that was opened in XXXX of XXXX. I explained the situation to him and he directed me to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I visited the citizens bank branch at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. I deposited my check for the amount of XXXX I was informed a partial release would occur on Monday XX/XX/XXXX. I also was informed the remaining balance would be available in my account on XX/XX/XXXX. Today is XX/XX/XXXX and my funds have no been made available to me Ive been calling and calling, I was told that I now have to wait until XX/XX/XXXX for clearance. I informed the bank supervisor that I have my fathers funeral service that needs to be paid I also have my mortgage & other personal finances thats needs to be taken care of. The banks supervisor told me theres nothing they can do that I just have to deal with it and wait it out. I feel this is very un professional and disrespectful to me as a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: DC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Dear XXXX XXXX : This information is not legal advice. The law limits how long you can be sued on a debt. Because of the age of your debt, we ( XXXX XXXX XXXX XXXX XXXX ) can not sue you for it. If you do not pay the debt, we may report or continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.

This letter confirms receipt of your earlier request for verification of the above referenced account. Enclosed is the verification.

Documents provided may reflect a balance greater than the current amount of the debt. Some or all of the charges or fees may have been waived and/or previous payments or credits may have been applied.

In acknowledgement of your dispute, we have requested that consumer reporting agencies report this account as disputed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaints : If you have a complaint, please write to us at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX or call us toll-free at XXXX, Monday through Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Bank, N.A.s refusal to honor a Savings Certificate ( time deposit / certificate of deposit ) originally issued by XXXX XXXX XXXX  on XX/XX/XXXX, in the original principal amount of {$6000.00}, with a XXXX term, automatic renewal, and an initial interest rate of XXXX XXXX. 

XXXXXXXX XXXX XXXX later merged into Wells Fargo Bank, N.A., making Wells Fargo the successor institution to this deposit obligation. 

I possess the original physical savings certificate, which has never been redeemed, surrendered, or endorsed. Wells Fargo has not provided documentation showing redemption, payment, closure, or lawful escheatment of this certificate. 

On XX/XX/XXXX, I formally presented the original certificate in person for redemption to the Wells Fargo branch manager at the XXXX, Minnesota branch. The branch manager reviewed the original certificate and my written presentment letter and stated that the certificate could not be redeemed. He declined to provide any written explanation and refused to acknowledge the presentment, stating the matter may be a legal issue. The certificate and letter were returned to me without payment. 

Wells Fargo previously issued a written response stating that due to record-retention limitations it may not have records if the account was closed prior to certain dates, but it has not provided evidence that the certificate was redeemed or lawfully transferred to unclaimed property. Wells Fargo has also stated it can not locate unclaimed property records related to this certificate, but has not provided documentation showing when or if any transfer occurred. 

Issue : Wells Fargo is refusing to honor a valid deposit instrument based solely on lack of internal records, despite the customers possession of the original certificate and formal presentment for payment.

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 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Rushmore Servicing has initiated foreclosure activity on my account but failed to provide the legally required 'Notice of Right to Cure ' to my current mailing address. 

Rushmore knowingly mailed sensitive legal notices, including the Right to Cure default notice, to the vacant collateral address ( a rental property in XXXXXXXX XXXX ) rather than my registered billing address in XXXX, XXXX Rushmore has my correct billing address on file and sends monthly statements there, yet failed to use it for this critical legal notice. 

This failure to provide proper notice has deprived me of my contractual right to cure the default within the statutory timeline. Furthermore, I have submitted a complete Mortgage Assistance Application which is currently pending review. Initiating or continuing foreclosure activity while this application is pending constitutes 'Dual Tracking, ' a violation of Regulation X. 

I am requesting an immediate halt to all foreclosure activity due to defective service and improper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist from any and all communication with me regarding the alleged debt identified below. 
Creditor : XXXX Funding Account Number : XXXX Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the collector must stop all communications except as expressly permitted by law. 
Accordingly, you are hereby directed to immediately cease all forms of communication with me, including but not limited to phone calls, letters, emails, text messages, or contact through third parties. Any future contact from your organization, other than those allowed under 1692c ( c ), will be documented as a violation of federal law.

This letter is not an acknowledgment of any debt, nor is it a waiver of any rights, claims, or defenses I may have under federal or state law. 
Please govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I am submitting a complaint regarding my credit card issuers handling of account security, verification, and unauthorized transactions. 

On XX/XX/XXXX, I attempted to use a XXXX  % balance transfer offer displayed in the issuers app. My account was immediately locked. I contacted the issuer and complied with all identity verification requests. 

At the issuers direction, I submitted : A signed color copy of my passport Front and back color copies of my state-issued ID A piece of federal mail addressed to me at the address on file These documents were acknowledged by the issuer on XXXX separate occasions, including during my most recent phone call, as having been received. 

Despite this, my account remained locked and I was denied access. During this same period, I reported fraudulent/unauthorized charges. Although fraud was acknowledged, the issuer allowed additional unauthorized charges to post, including approximately {$51.00}, {$100.00}, and $ XXXX ( XXXX Charges ), all while I had no access to the account. 

I requested that the issuer cancel the card and issue a replacement to the address already on file, but this was refused because the account was locked. On my most recent call, I was told that nothing could be done due to bank policy. 

After approximately XXXX month, despite acknowledging receipt of all previously requested verification documents, the issuer stated that no assistance could be provided unless I now submit front and back copies of my Social Security card. This requirement was introduced only after weeks of delay, while unauthorized charges continued to be permitted on a locked account. 

I am concerned that the issuer denied me access and remediation while simultaneously allowing XXXX-party transactions, and then conditioned any corrective action on escalating documentation requirements after prior compliance was acknowledged. 

Resolution requested : XXXX. Immediate reversal or provisional credit of all unauthorized charges and written confirmation of XXXX liability XXXX. Immediate issuance of a replacement card/new account number to the address on file XXXX. Written explanation of why transactions were permitted while the account was locked and fraud was reported XXXX. Written explanation of the verification process, including why additional documentation was required after prior verification was acknowledged XXXX. Assurance that no interest, fees, or negative credit reporting will result from these unauthorized transactions or issuer delays

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 2025-12-31 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: Klarna AB
State: NY

Complaint narrative:
I used Klarna Card for a purchase from a non-partnered merchant ( XXXX ). I never received the goods. 
Before the shipment was marked delivered, I contacted the merchant and requested cancellation. The merchant did not respond. 
I disputed the charge with Klarna promptly and provided evidence of non-receipt and my cancellation request. Klarna initially paused the statement and stated the dispute would be investigated through XXXX. 
Despite this, Klarna closed the dispute and reactivated the statement solely based on a carrier tracking status marked delivered, without providing proof of delivery such as a signature, delivery photo, or confirmation of receipt. Klarna refused to investigate further and directed me back to the merchant, who remains unresponsive. 
I believe Klarna failed to conduct a reasonable investigation and improperly required payment for goods I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company : Venmo ( PayPal, Inc. ) Product : Digital wallet / money transfer Issue : Unauthorized electronic funds transfer ( account takeover ) I am submitting this complaint regarding an unauthorized electronic funds transfer in the amount of {$12000.00} from my Venmo account, which Venmo has refused to reimburse despite clear evidence of fraud and account takeover. 

The unauthorized transfer occurred on XX/XX/2025. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2025, the day before the fraud occurred. I underwent XXXX XXXX XXXX XXXX on XX/XX/2025 and remained XXXX for approximately one week thereafter. Since XXXX, I have been XXXX and XXXX XXXX XXXX XXXX XXXX 

Because I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX during this period, I was physically incapable of accessing or monitoring my Venmo account. During this time, an unknown third party gained unauthorized access to my Venmo account and transferred {$12000.00} that was sitting in my Venmo balance. I did not authorize this transaction, do not know the recipient, and received no goods or services. 

I discovered the fraud on XX/XX/2025, as soon as I was medically able to review my financial accounts. I immediately notified Venmo and promptly filed a police report reporting the unauthorized transaction. 

Despite these facts, Venmo denied my claim and improperly treated the transfer as authorized, without conducting a reasonable investigation or acknowledging the account takeover and my documented medical incapacity during the relevant period. 

Why this is wrong This transaction was the result of fraud and unauthorized access, not my authorization. 

Under Regulation E ( 12 C.F.R. Part 1005 ), consumers are not liable for unauthorized electronic funds transfers caused by account takeover. The use of compromised credentials does not constitute authorization, particularly where the account holder was hospitalized and incapacitated at the time of the transfer. 

Venmo failed to : Conduct a reasonable investigation into the account takeover Consider clear evidence of medical incapacity during the fraud period Provide provisional credit Re-credit my account after determining the transfer was unauthorized Venmos denial improperly equates credentials used with authorization, which is inconsistent with Regulation E and CFPB guidance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I am submitting a complaint regarding the handling of fraudulent and unauthorized transactions on my Flexible Spending Account ( FSA ) debit card.

I did not authorize the transactions and reported them as fraud. My FSA card administrator confirmed that certain charges were fraudulent ; however, the merchant has refused to issue a refund or cooperate in returning the funds.

I was informed that the funds can not be recovered directly through the card issuer due to the length of time the merchant continued processing charges after fraud was identified. 

I am requesting that the company be required to respond formally and explain why a refund has not been issued for unauthorized transactions.

Company response to consumer: Closed with monetary relief