vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I previously sent OneMain Financial a written request directing them to cease contacting me. Despite that request, they continue to place repeated calls and have now sent a text message stating that I am enrolled in their text messaging program, even though I did not authorize enrollment. I am requesting that all telephone and text communications stop immediately. Also, I borrow {$5000.00} in XXXXXXXX XXXX XXXX I have made payments for almost 3 years and my balance is XXXX. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a phone call and voicemail from Halsted Financial Services attempting to collect an alleged debt originally from XXXX XXXX, associated with attendance at XXXX XXXX XXXX, a short-term vocational program. The account is purportedly now owned by XXXX XXXX XXXX. I am disputing this debt in its entirety. The CFPB filed suit against XXXX XXXX in XX/XX/XXXX, alleging that XXXX XXXX deceived borrowers about short-term vocational programs exactly the type of program this loan was used for. XXXX XXXX XXXX also has a documented history of collecting on debt tied to fraudulent for-profit schools. I have sent a written debt validation letter to Halsted Financial via certified mail disputing this debt and requesting full documentation, including the original signed promissory note and proof of legal ownership of the account. I am requesting that this complaint be reviewed in connection with the existing CFPB enforcement action against XXXX XXXX, and that all three parties XXXX XXXX, XXXX XXXX XXXX, and Halsted Financial Services be investigated for their roles in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I refinanced an existing mortgage with Vystar Credit union with the same Vystar credit union. However, they have continued to deduct both the new payment AND the old payment from my bank. Even when I informed them, they continued to do so. They then tried to send me my money back TO MY OLD ADDRESS I have not lived in for years, even though they had refinanced the new one. They then stated that they could not issue another check for 3 months. Basically, they have stolen my money, refuse to give it back in a timely fashion, are keeping the interest that money is generating, and refuse to return phone calls. At present they have returned XXXX of the roughly XXXX they have taken. They have FINALLY stated they will no longer remove more money. The rest of my money they are holding on to.

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 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I had this store credit card for XXXX years and was late on one payment in XX/XX/2023. I never received the bill at home for this credit card and thus was late paying it. I carried the card for XXXX years and made this missed payment as soon as I received information that it was late. I have attempted to contact the credit card agency 2x and issue a dispute through my credit report asking them due to my positive payment history to remove the 1 30 day late payment from my credit report. They have refused to do so on both attempts. This is negatively impacting my credit report/score.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: KS

Complaint narrative:
On or around XXXX XXXX, a dispute was opened on Chime against XXXX due to a scam project in the amount of {$75.00} from a transaction originally occurring XXXX XXXX I submitted evidence in support of dispute to receive money back. On or around XXXX XXXX XXXX, Chime 's resolution to dispute was denied for the full amount of {$75.00} citing " no billing error occured ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I accidentally overpaid my auto loan to Wells Fargo by {$3000.00} due to weird timing in balance information on their website. My error in overpaying but, they are saying it will take over 10 days to review the overpayment and start to issue the refund. This is the age of digital transactions. There is no reason to hold my money ( losing interest/investment on that large sum ) for 10 days+. They are unable to escalate, they are uncaring that this impacts my ability to pay other bills. If the tables were turned, I'd be charged fees, interest, penalties.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Subject : Ongoing Violation of 12 CFR 1026.52 ( a ) ( 1 ) and Unlawful Overlimit Fees Complaint Description : This complaint details a systemic failure by XXXX XXXX XXXX to adhere to the 25 % First-Year Fee Limitation required by Regulation Z. The Violation : Account Limit : $ 500.00.Statutory Cap ( 25 % ) : $ 125.00.Actual Fees Charged YTD : {$140.00}. Evidence of Breach : Page 3 of the attached billing statement ( Cycle ending XXXX ) explicitly lists " Total Fees Charged in 2026 : {$140.00} ''. The bank has knowingly collected {$15.00} in excess of the federal statutory limit. Resulting Injury : The bank allowed these illegal fees to push the account balance to {$510.00} ( {$15.00} over the credit limit ). This manufactured " overlimit '' status was then used to justify charging predatory interest of {$14.00} in a single month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
CFPB Fraud Complaint Draft Company XXXX XXXX XXXX Complaint I am filing this complaint regarding fraudulent transactions connected to my XXXX XXXX XXXX account involving XXXX transactions. On or around XX/XX/year>, unauthorized or fraudulent transactions totaling approximately {$1000.00} were made from my account in connection with XXXX or cryptocurrency activity. I did not knowingly authorize these transactions in the manner they were processed and I believe I was the victim of fraud/scam activity. I immediately reported the issue to XXXX XXXX XXXX and requested an investigation. Since then, I have filed complaints and disputes with the bank XXXX separate times. Each time, the bank denied my claim without providing a meaningful explanation or sufficient evidence showing how the investigation was conducted. The bank has failed to adequately address : the fraudulent nature of the transactions, the circumstances surrounding the scam/fraud, and the evidence I provided supporting my claim. I believe XXXX XXXX XXXX failed to conduct a reasonable investigation and failed to properly protect my account from fraudulent activity. As a result, I suffered financial losses and hardship, including : loss of funds, stress and emotional distress, disruption to my finances, and continued inability to recover the stolen money. I am requesting : a full independent review of my fraud claim, copies of documents and evidence relied upon in denying my disputes, reimbursement of fraudulent losses where applicable, and a written explanation of the banks investigation procedures and findings. I have attached supporting documentation including : transaction history, scam/fraud evidence, screenshots, complaint correspondence, and denial letters from the bank. I respectfully request CFPB assistance because XXXX XXXX XXXX has denied my fraud complaints XXXX times and has not provided a fair resolution.

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 2026-05-13 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: IN

Complaint narrative:
I received a letter in my inbox saying, quote, " As of the date on this letter ( XX/XX/XXXX ), we have not received your last six scheduled payments, and your account is currently 180 days past due. In accordance with federal regulations we have reported your account as delinquent to the national consumer reporting agencies. '' My account has been in deferment since XXXX of XXXX. I called and they confirmed that I was in deferment and that I haven't actively owed any money. I was told " sorry for the jumpscare '' but that's not a good enough answer. This should not happen at all. Clearly it had to have been some automatic message, but for something so serious, it needs review before being sent. This letter just makes no sense. I have no billing statements saying I need to pay anything and I've been in deferment since XXXX. And all of this was confirmed with Nelnet. How could this have possibly been sent out automatically yesterday saying that I've missed payments for the last 180 days. This is a serious problem that needs to be corrected immediately. You can not tell your customers that you are being reported for being delinquent on payments when they aren't even due a single XXXX. What sort of other errors does your system have if these messages are being sent when they so clearly don't match what is going on with the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I paid off my mortgage on XX/XX/year> and requested a refund of my escrow funds ( {$5500.00} ). The company policy is to refund excess funds within 30 days of the payoff date. It has been 96 days and the refund has not arrived. I contacted Rocket Mortgage ( dba Mr. Cooper ) customer service chat on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I received a promise that the refund would be received in 3-10 business days. XX/XX/year>, " XXXX '' indicated the check will arrive between XX/XX/XXXX and XX/XX/XXXX. It is past XX/XX/XXXX 's mail delivery and the refund still hasn't been received. It also isn't listed in tomorrow 's " expected '' delivery on Informed Delivery with the USPS. My attempts at following their process is a loop that traps me without resolution. They have been withholding my escrow funds well beyond their 30 day policy. I have been unsuccessful at getting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
on XX/XX/year> discovered two new account on my XXXX XXXX account, barclays/gap and XXXXXXXX XXXX XXXX put dispute right away. it got denied after reviewing for more than a month. also disputed multiple times through equifax which got denied as well. on XX/XX/year> froze my credit line through all 3 credit bureaus. then called both credit card company. Initially, after reviewing the claims, both banks closed the accounts. However, about a month later, the accounts were reopened, hence i put dispute again. Barclays eventually closed the account permanently. However, Barclays continued reporting late payments to my credit line, which is negatively affecting my credit report. The situation with XXXX XXXX became more complicated. XXXXXXXX XXXX first sent a letter requesting additional supporting documentation to continue investigating the fraud claim. In response, i filed a police report and submitted the report to XXXXXXXX XXXX Despite this, XXXXXXXX XXXX later sent another letter stating that, after its investigation, it determined that the credit card account had been lawfully opened under my name. Because of this XXXXXXXX XXXX decided to continue reporting the account to the major consumer reporting agencies. As time passing the account accumulating late fees and penalties, causing the balance on the XXXXXXXX XXXX credit card to grow to more than {$1100.00}

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 2026-05-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, a charge in the amount of {$67.00} was posted to my account. This transaction was the result of a car break-in and the theft of my daughter 's wallet. It was reported to Citibank as unauthorized within approximately four hours of occurrence, and the account was promptly closed to prevent further misuse. The theft was reported to the XXXX Police and report # XXXX was opened. Citi denied my claim simply stating " Customer Responsible ''. Under the Fair Credit Billing Act and Regulation Z, I am entitled to : 1. A reasonable investigation of disputed charges, and 2. A written explanation of the creditors findings. Citis failure to provide such an explanation raises serious concerns regarding compliance with these obligations. I contacted Citibank again and asked them to re-open the case and provide justification for their denial. On XX/XX/XXXX I received another letter simply stating that Citibank " We are looking into your dispute ''. That was the last time that I heard from Citibank regarding this dispute. I have never received any further response and the case no longer shows as open on your website. I contacted CitiBank again on XX/XX/XXXX, once again asking them to reverse the XXXX charge. After several days they posted again that they were investigating my complaint but they referenced a comppletely different problem and did not show my issue as open. It appears that once again, nothing will be done about it. I need your help please. I am requesting the following : A complete written explanation of the investigation conducted, including the evidence relied upon in denying the claim Immediate reconsideration of the dispute Immediate reversal of the {$67.00} charge if Citi can not substantiate that the transaction was authorized For over a year, 1. Citibank failed to provide any meaningful written explanation for the denial. 2. Citibank did not provide documentation showing why the transaction was considered authorized. 3. Citibank did not explain what evidence was reviewed. 4. Citibank has continued to hold me responsible for the fraudulent charge. Under the Fair Credit Billing Act, consumers are entitled to a reasonable investigation and an explanation of the creditors findings when a billing dispute is denied. Citibank has failed to provide that explanation despite repeated requests. The amount involved is small ( {$67.00} ), but the issue is important because consumers should not be held responsible for fraudulent transactions that were promptly reported, especially after the account was immediately closed due to suspected 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 monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/year>, an insurance settlement check in the amount of {$15000.00} was deposited through a Citizens Bank ATM located on XXXX XXXX in XXXX, Ohio. The check was issued for damages caused by the XX/XX/year> hailstorm in XXXX XXXX, Ohio, which damaged a home and automobile. The check cleared on XX/XX/year>, and the account holder was advised that the funds would be available on XX/XX/year>. After the check had already cleared, Citizens Bank later informed the account holder that the funds would be placed on hold until XX/XX/year>, due to a missing mortgage company endorsement on the insurance check. Although the missing endorsement was an oversight, the bank accepted, processed, and cleared the check before later restricting access to the funds. The insurance company confirmed that the check had already cleared and stated that it would not issue a replacement check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MEMBER FIRST MORTGAGE, LLC
State: MI

Complaint narrative:
I am filing this complaint regarding the conduct of XXXX XXXX XXXX and/or Member First Mortgage , LLC in connection with my mortgage servicing, loan-modification process, foreclosure, and post-foreclosure handling of my property. I believe I was subjected to a pattern of poor communication, inconsistent loan-modification handling, misleading or contradictory representations, inadequate documentation, and procedural conduct that resulted in the loss of my home under circumstances that warrant regulatory review. Key Issues 1. Loan Modification Mismanagement / Inconsistent Communication I repeatedly sought mortgage assistance and loan modification in an effort to avoid foreclosure. During this process, I experienced : * Repeated confusion regarding the status of my modification * Verbal denials or inconsistent explanations * Lack of meaningful written clarity * Conflicting or shifting information * Apparent breakdown between lender and servicer responsibilities * Communications suggesting modification possibilities or terms that were later withdrawn, disregarded, or not clearly honored I believe the process lacked transparency and may have involved negligent servicing or misleading conduct. XXXX. Failure to Provide Clear and Reliable Servicing Standards At multiple stages, I struggled to determine : * Who was making final decisions * Whether I was actually under review * Whether offers or terms discussed were final or conditional * Why foreclosure continued despite my efforts This created confusion that undermined my ability to make informed decisions regarding housing, legal strategy, and alternatives. XXXX. Foreclosure Progressed Despite Ongoing Dispute Despite my efforts to challenge or resolve the servicing issues, foreclosure proceeded and I ultimately lost my home. While courts ruled on procedural/legal standards, I do not believe the underlying servicing conduct, communication failures, or modification handling were meaningfully addressed from a consumer-protection standpoint. 4. Post-Eviction Property Handling Concerns Following eviction enforcement, I was removed from the property and significant personal belongings were allegedly destroyed, discarded, or mishandled. I request review of : * Whether proper servicing and foreclosure-adjacent procedures were followed * Whether all required notices, opportunities, and servicing obligations were properly met * Whether conduct by the lender/servicer reflected fair dealing obligations Harm Suffered As a result, I suffered : * Loss of my home * Severe emotional distress * Housing instability / homelessness * Loss or destruction of personal property * Potential loss of important documents, medications, and personal effects * Significant financial and personal hardship

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I owned a home in XXXX country Florida. The address was XXXX XXXX XXXX XXXX FL XXXX. I lost my job in XXXX and missed 2 payments on my mortgage. I then got a high paying job with XXXX and applied for a refinance with Wells Fargo. Over the course of 2 years, Wells Fargo kept sending me refinancing applications that I filled out and they would tell me I forgot to sign 1 page or I didn't answer 1 question and the entire application process had to start over again while at the same time they foreclosed on my property even though I was making more money than needed to qualify for a refinancing.

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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint against Resurgent Receivables regarding an account they are furnishing on my consumer credit report, identified as Account Number XXXX, with the original creditor listed as XXXX XXXX XXXX XXXX I formally dispute this debt and deny any obligation to pay it. Resurgent Receivables has engaged in conduct that raises serious concerns regarding compliance with consumer protection laws. This account appears to have been placed on my credit report without proper prior notification, which is commonly referred to as debt parking. This practice is deceptive because it deprives consumers of the opportunity to dispute or validate the alleged debt before it negatively impacts their credit profile. Additionally, I have reason to believe that there may be conflicting claims of ownership regarding this alleged debt, which calls into question the accuracy and integrity of the information being reported. Resurgent Receivables has failed to provide sufficient documentation demonstrating that they have the legal right to collect on this account. As a result, I believe Resurgent Receivables is attempting to coerce payment through questionable and potentially unlawful collection practices on a debt that has not been properly validated.

Company response to consumer: Closed with explanation