vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am submitting this complaint regarding HSA Banks improper assessment of a {$25.00} account closure fee following the closure of my HSA account contrary to my explicit instructions, and its subsequent failure to reverse the fee despite acknowledging the error and promising correction. I initiated a transfer of assets from my HSA Bank account to my XXXX HSA on XX/XX/year>, which was not completed until XX/XX/year>. Although the transfer request originated through XXXX, it had not yet been completed or fully processed during my communications with HSA Bank. On XX/XX/year>, I was incorrectly informed by HSA Bank that no fees would be assessed for transferring my HSA assets. On XX/XX/year> and XX/XX/year>, I followed up and explicitly instructed HSA Bank that my account was not to be closed under any circumstances, as I remained employed and expected ongoing payroll contributions. At the time of these instructions, HSA Bank still had control over account status and could have kept the account open during the transfer process. Despite these explicit instructions, HSA Bank closed my account and assessed a {$25.00} account closure fee on XX/XX/year>. On XX/XX/year>, I spoke with a HSA Bank manager who acknowledged HSA Banks error, apologized for the incorrect handling of my account and fee assessment, and confirmed that the {$25.00} fee would be reversed within XXXX business days. I was also informed the account would be reopened that same day. Although the account was reopened, the {$25.00} fee was not reversed. I followed up again on XX/XX/year> and XX/XX/year> and was repeatedly assured the issue would be reprocessed. As of XX/XX/year>, no refund has been issued. The interruption in payroll contributions was a direct result of HSA Banks improper account closure and required corrective action with my employers HR department after contributions were disrupted ( last received XX/XX/year> ). At no point did I request or authorize closure of my account. I explicitly instructed HSA Bank to keep the account open. This complaint does not dispute the existence of a published fee schedule, but rather the improper closure of the account contrary to customer instructions and the failure to reverse a fee that HSA Bank has already acknowledged was incorrectly assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My vehicle was declared a total loss after it was stolen and resulted in an accident on XX/XX/XXXX. Following the loss, the insurance payout was issued, XXXX coverage was applied, and extended warranty products were refunded. Despite these payments and refunds being processed, I have continued to make payments on the loan for the past XXXX months after the date of total loss, under the assumption that any remaining balance would be covered and reconciled through XXXX coverage and related payouts. However, I have now been informed that there is still a remaining balance of over {$600.00} on the loan. This is confusing and appears inconsistent with the insurance settlement, XXXX coverage payout, warranty refunds, and additional payments I have made since the vehicle was declared a total loss. I have been unable to obtain a clear explanation or full payoff breakdown from the loan servicer, Fifth Thirds Bank. In addition, I am unable to access my online loan account. Multiple attempts to log in and reset my credentials using verified personal information ( including last name, Social Security number, account number, and ZIP cXX/XX/XXXXe ) have been unsuccessful, with the system repeatedly indicating that my information is incorrect. I have also attempted to contact customer service by phone. The automated system requests identification information but disconnects the call after entry, preventing me from reaching a live representative. I attempted to schedule a phone appointment with a local branch, but no one called. As a result, I have been unable to access my account, verify the remaining balance, or obtain a detailed payoff ledger explaining how the remaining balance was calculated after insurance, XXXX coverage, and warranty refunds were applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I canceled my XXXX account, then on XX/XX/year> I was charged {$38.00}. Asked Cashapp to refund my money they refused. So I will report them until the do!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I logged into Santander XXXX USAs online portal while my account displayed a XX/XX/year> payment due date. While viewing that payment obligation, I submitted a {$500.00} payment under the reasonable understanding and according to the website that I was paying toward satisfying the XX/XX/XXXX installment obligation shown on the account. On XX/XX/year>, I submitted an additional {$350.00} payment for the same reason after the account continued reflecting that I still owed for XX/XX/XXXX despite the prior payment. The issue is that Santanders website and payment portal presented the transaction as though I was paying the XX/XX/XXXX payment obligation itself. However, after submitting the payments, Santander continued reflecting that additional money was still owed for XX/XX/XXXX while internally allocating portions of the payments elsewhere through its interest/principal process. As a consumer, this created significant confusion because the portal indicated I was making payments toward the displayed XX/XX/XXXX due date, yet after making those payments Santander continued requesting the same additional funds to satisfy that same XXXX obligation. I repeatedly contacted Santander seeking clarification on how to correctly satisfy the XX/XX/XXXX payment before the due date and prevent delinquency. However, representatives were unable to provide a clear or reliable resolution. Instead, I was repeatedly told that because the system now reflects XX/XX/XXXX as due, any new payment may not apply toward XX/XX/XXXX even though the disputed reversals may eventually cause XXXX to become unpaid again. This has left me in a position where I am actively attempting to keep my account current, yet Santanders servicing system and representatives can not and will not clearly explain how to properly make and reflect the XX/XX/XXXX payment obligation before the due date passes. They are also telling me I can not use my debit card to pay and I believe they are penalizing me for disputing the payments with my bank because I did not submit the payments for interest but for XXXX XXXX payment obligation. Im trying to make the payment again and they are not giving me an avenue to do so and are telling me if I do submit the payment now it will again go to interest and not XXXX XXXX payment or towards XX/XX/XXXX payment. So it will force my account to appear delinquent and they hang up and talk in circles without giving a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Figure Technologies, Inc
State: AL

Complaint narrative:
I am writing to formally request a resolution regarding the closure of my Home Equity Line of Credit ( HELOC ). Although I have paid off the principal balance in full, I have encountered conflicting information regarding the final recording fee and a severe lack of communication from your customer service team. Please review the specific issues outlined below : Conflicting Transaction Status : The online portal and official transaction log both mark the county recording fee as " Completed. '' However, email correspondence from your team contradicts this, stating the fee remains pending and unpaid. Duplicate Billing on Payoff Statement : The official payoff document generated by your portal lists a recording fee of {$22.00}, followed by a separate line item labeled " Unpaid Fees '' for an additional {$22.00}. This brings the pending balance to {$44.00}. It appears I am being billed twice for the same exact line item. Unacceptable Support Wait Times : I have attempted to resolve this via your helpline multiple times. Today, I hung up after waiting on hold for over an hour. While your sales department answered my call immediately, they were unable to assist with existing accounts. Inadequate Email Support : The email responses I have received fail to address the discrepancy between the portal 's " Completed '' status and the demand for additional payment. To resolve this matter, I require a prompt written response addressing the following : An explanation for why the recording fee is marked as complete in my ledger but treated as outstanding by your staff. A corrected payoff statement removing the duplicate {$22.00} charge. Direct contact from a supervisor or account specialist who can finalize my account closure. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
I have been working at a PSLF qualifying institution for XXXX years. I have been stuck in the SAVE forbearance since XX/XX/XXXX. I submitted a buyback application in XXXX of XXXX ( case number XXXX ). It has been over 14 months since that application was submitted. I have called the FSA multiple times to ask on the status of my application. Each time I have been told that it is processed by the deptartment of eduction, that the department of education does not have a phone number that I can call, that the status is " under review '', the application is still active. I have filed two complaints with the FSA, and I think I will continue to do this on a monthly basis going forward. I have also sent a letter to the department of eduction. I need it to be reviewed so that I can pursue PSLF forgiveness. I am hoping to complain and escalate my case so that my buyback application is finally processed. Please help me get this processed so that I can receive the total that I need to pay so that I may have my loans forgiven. My work place is toxic and I am stuck working there, waiting for PSLF forgiveness. It is affecting my mental health and quality of life, which in turn affects my family. I would love to get a new job and move on. Please help me get my buyback application reviewed. I have been waiting for so long.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint against Truist for a direct failure to conduct a 'full and reasonable investigation ' into a disputed debit card transaction under federal Regulation E compliance guidelines. I filed a dispute with Truist on XX/XX/year> for a transaction made on XX/XX/year> with XXXX, under XXXX Reason Code 13.3 ( Services Not as Described ), providing ironclad evidence that the merchant sold defective, non-functional software and explicitly admitted to the defects in writing. On XX/XX/year>, Truist informed me the claim was denied. When I called to question the determination, a Truist claims representative explicitly admitted on a recorded line that the bank 's investigation team never attached, reviewed, or even received the comprehensive evidence package I submitted. The representative confessed that Truist summarily denies complex consumer merchant disputes based solely on the basic, brief text prompts filled out initially in the mobile app, with zero human outreach or review of actual evidence. This systematic administrative negligence means Truist ruled on an empty file, violating federal dispute investigation requirements. I have been forced to file a formal appeal, but due to Truist 's admitted internal compliance failure and sloppy operational infrastructure, I am escalating this to the CFPB for immediate intervention, executive review, and full reversal/credit of the funds.

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 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX, I requested copies of documents that showed the transactions between XXXX Portfolio Services and Portfolio Recovery Associates , LLC ( also goes by PRA Receivables Management , LLC ). I finally received something in the mail ; however, it was just a letter stating that they purchased my loan with addresses and phone numbers listed, etc. ( Attached ). This does not prove anything to me. I was not made aware of transfer of debt, which I know is not a " law '' in Ohio but it would have been nice to know. This collection agency has not provided me with any documents that shows they purchased the debt from the original creditor, therefore, I am very weary on continuing payments to them. Also, they are refusing to give me online access to view my account. Why? If they do in fact own the account then why can't I have access to view it and make the payments? I was told by an agent via online chat that my account is not allowed to have online access. I need help resolving this. I am all about paying my bills but I need to know that I am paying the right people considering all of the scams that are out there these day and I am getting nowhere with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, XXXX XXXX initiated a {$600.00} XXXX XXXX debit/collection transaction against my personal consumer checking account without my authorization or prior notice. The funds had originally been intentionally deposited by XXXX during my employment for employee morale-related purposes. This was not an accidental payroll error, duplicate wage payment, or mistaken deposit. After my employment ended, I contacted XXXX regarding return of the remaining funds and was willing to cooperate in returning the money. However, before any repayment arrangement was made, XXXX initiated an XXXX debit directly against my personal bank account. After reviewing the direct deposit authorization I signed, I do not see authorization permitting XXXX collection debits or reversals of this nature. Additionally, Indiana law imposes procedural requirements regarding recovery of wage overpayments, including notice requirements, yet no notice was provided before this debit occurred. Chase Bank has opened a formal unauthorized XXXX debit investigation regarding this transaction and issued a temporary credit while the matter is being reviewed. I am requesting investigation into whether this XXXX debit violated XXXX authorization requirements, Indiana law, and applicable consumer banking protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am reopening this complaint due to a XXXX XXXX that prevented me from responding within the allotted time. Upon review, the servicers responses contain serious legal deficiencies and unresolved contradictions that demand correction. Your response dated XX/XX/XXXX, and your earlier response dated XX/XX/XXXX, are wholly inadequate, legally deficient, and contain material contradictions you have failed to explain or correct. Your attempt to dismiss my prior correspondence as not qualifying as a Qualified Written Request ( QWR ) is legally incorrect and transparently designed to avoid your statutory obligations. This complaint cures any alleged deficiencies and demands full compliance. INVESTOR DISCREPANCY : Your XX/XX/XXXX response identified the investor as XXXX XXXX XXXX XXXX XXXX. Your XX/XX/XXXX response identified the investor as XXXX XXXX XXXX XXXX XXXX. These are two entirely different legal entities different trusts, different closing dates, different pooling and servicing agreements, and different certificate holders. Your attempt to dismiss this as a mere code variation is legally and factually insufficient. No documentation, assignment records, or coherent explanation has been provided. This goes directly to who owns my note and who has legal authority to enforce it. SPECIFIC ERRORS UNDER 12 C.F.R. 1024.35 : Error 1 Conflicting Investor Noteholder Information : Two different trust names were provided as the noteholder within the same complaint cycle with no documentation establishing which entity actually holds the Note or when any transfer occurred. Error 2 Failure to Provide Chain of Assignment : No complete, unbroken chain of title has been provided from the originator, XXXX XXXX XXXXXXXX, through every assignment to the currently claimed noteholder. XXXX records alone do not satisfy this obligation. Error 3 Failure to Establish Legal Authority to Service : Without a verified chain of title, Carrington has not established its legal right to collect payments, assess fees, report to credit bureaus, or take any default or foreclosure action. Such activity without established authority may constitute violations of RESPA, TILA, and the FDCPA, 15 U.S.C. 1692 et seq. I have not agreed to any loan modification or loss mitigation because ownership and legal authority have not been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I submitted a receipt as proof of equipment return to XXXX XXXX XXXX, I have asked to have a final bill in writing with amount owed, minus the equipment .They are trying to charge me for equipment that was returned. I will not pay until I receive a final bill in the mail. The dispute filed with XXXX was not resolved.THE amount owed is WRONG.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
I disputed a XXXX debt that was on my credit report. I received an entire packet of information from Hauge Associates. It states in the letter that the XXXX is still the hospital, and payments should be made. I have been making payments on this account. I am now receiving non stop phone calls from XXXX XXXX whom I don't even have an account with. They call repeatedly while I am at work, and have asked them to stop. They call from numbers resembling personal landlines in Iowa.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This account does not belong to me ; this company is associating my name with a debt that is not mine. I request that you remove this account from my credit report. I have already submitted XXXX disputes ; in response to the last one, you claimed that a third party was disputing the account, but this is not the caseI am the XXXX filing this dispute personally. Therefore, I ask that you remove this account from my credit report and verify the following : Lack of Proper Validation.I request full legal validation of this debt, including : Complete chain of ownership from XXXX XXXX to LVNV Funding LLC Original signed agreement or contractual obligation Full account history and charge-off documentation

Company response to consumer: Closed with non-monetary relief