vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Issue : Unable to locate funds/ No proof of transfer provided Complaint : I am filing a complaint regarding a missing Health Savings Account ( HSA ) transfer in the amount of {$53000.00} involving HSA Bank. On or about XX/XX/year>, my XXXX funds were included in a bulk transfer initiated for XXXX XXXX XXXX ( XXXX ) retirees. The transfer was intended to move funds to a XXXX XXXX account. At that time, a XXXX XXXX account had not yet been established in my name, which likely caused the transfer to fail. Since that date, I have been unable to locate my funds. Key facts : HSA Bank has stated that the funds were distributed to my personal bank account via XXXX. My personal bank, XXXX XXXX XXXX XXXX, has confirmed that no such deposit or incoming transfer has been received. HSA Bank has been unable or unwilling to provide any ACH trace number, confirmation number, or proof of settlement. I have made repeated phone calls over the course of more than a week, including calls involving a XXXX representative, without resolution. HSA Bank has stated an investigation is ongoing but has provided no documentation, no transaction details, and no timeline for resolution. If the funds were sent via ACH, there must be a trace number and verifiable record of settlement. HSA Bank has failed to provide this information. As a result, I am unable to determine whether : The funds were ever successfully transferred, The transfer failed and funds were returned, Or the funds remain in XXXX Banks control. Requested resolution : I am requesting that HSA Bank : Provide a complete transaction record for the {$53000.00} transfer, including ACH trace number, date, and disposition ( settled, rejected, or returned ), OR Confirm that the funds remain under their control and immediately re-credit or reissue the transfer to my XXXX XXXX account. Given the size of this transaction and the lack of documentation, this situation is extremely concerning and requires prompt resolution. I have also submitted a formal written complaint to HSA Bank and escalated this matter through XXXX. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint regarding LVNV Funding LLC and Resurgent Capital Services. In XX/XX/XXXX, I sent a written dispute requesting full validation of an alleged debt. Specifically, I requested a copy of the original signed agreement, a complete payment history, documentation establishing a valid chain of ownership, and the date of first delinquency. On or about XX/XX/XXXX, the company responded. However, they failed to provide proper validation. Instead, they sent a generic account summary and a single billing statement. These documents do not verify the debt and do not meet the requirements of the Fair Debt Collection Practices Act. The company did not provide : - Any document bearing my signature - A complete payment history - Proof of a valid chain of assignment showing their legal right to collect - The date of first delinquency Despite failing to validate the debt, the company continues to report this account to XXXX. The account is being reported inaccurately and in a misleading manner : - The date opened reflects the date the debt was acquired ( XX/XX/XXXX ), not the original account date - The account is being reported as open, which is inaccurate for a collection account - Payment history is incomplete and does not reflect prior payments made to the original creditor - The date of first delinquency is not clearly or properly reported These actions violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, including the requirement to ensure maximum possible accuracy in reporting. I have made a good faith effort to resolve this directly with the company, but they have failed to comply. I am requesting : 1. Immediate deletion of this account from all credit reporting agencies 2. Cessation of all collection activity unless proper validation is provided 3. Correction of any inaccurate information reported If this matter is not resolved, I am prepared to pursue further complaints and legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had XXXX cashier 's checks issued by Chase bank. I placed stop payments on them over the phone. The money never got credited back to my account, though I was charged XXXX fees. I find out that they placed stop payments on XXXX personal checks which I did not even write based on the check numbers. This was a big error on their part and could have turned out badly for me if the payees cashed the checks which they have not yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Nelnet regarding inaccurate reporting and failure to properly apply payments to my federal student loan account. Nelnet is attempting to collect a balance of approximately {$3100.00} that I dispute. My loans were consolidated in XXXX and paid in full in XX/XX/XXXX. Despite this, Nelnet later added a balance without prior notice. Nelnet claims the balance is due to Department of Education adjustments, but refuses to provide the underlying documentation, stating it is internal use only. This prevents me from verifying the debt. Additionally : Wage garnishments were taken from my income but not properly credited Payments made under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are missing Nelnet has failed to provide a complete payment history or accounting I believe this constitutes inaccurate reporting, failure to properly apply payments, and lack of transparency in violation of federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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:
This is the full timeline of events that occurred for a pair of shoes I bought from a XXXX company called XXXX. XX/XX/2026 : I purchased a pair of shoes that cost {$100.00} XX/XX/2026 : I did not receive any notice of a shipping email or confirmation. So I sent them an email, this is when they told me my original shoes were out of stock so I chose a different shoe to receive. They told me it will send within the end of the week. XX/XX/2026 : I receive a notice that they have shipped my shoes and gave me a USPS tracking number, however the package details show up as invalid and that they have no information on it. XX/XX/2026 : The shipping package number still comes up as invalid so I request a refund, within the 30 day policy so I can get my money back. XX/XX/2026 : They say that it was XXXX XXXX and that they were closed and they now shipped. This was the last that I heard from them they stopped replying to me after this. Around this time is when I decided to dispute my charge with Citibank. XX/XX/2026 : Citi determines that I received my package because XXXX sent them a picture of the shoes I was supposed to get still in their factory. XX/XX/2026 : I have an email showing that XXXX acknowledges that I didn't receive my shoes yet because it got caught my US customs. They did not notify me when my original shoe was out of stock until I messaged them, and now they did not notify me that my shoe was seized by customs until I messaged them. They ask if I want another shoe or if I want a refund. I said I want a refund and they have told me to be patient and have stopped responding. I have email evidence for all of this and I don't know why Citi refused to acknowledge my {$100.00} dispute. I have attached all relevant screenshots below, showing that the package is still showing as invalid as of today XX/XX/2026, I have tried numerous times to have my package refunded for the full total amount, and that they have never notified me of changes to my shipping and original product until I message them first. Why would they not notify me of my shoe being out of stock until I message them 10 days later checking on my shipping status when I got a confirmation showing that my original shoe was confirmed? This company and bank has caused me so much frustration and headaches. I hope that you all are able to help me with this, thank you. I also chose credit card because it was most applicable to my issue, but I used a debit card not my credit card for this 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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Since approximately XX/XX/year> more than XXXX ( XXXX ) XXXX ago my Zelle account was unilaterally blocked by Early Warning Services LLC and/or XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Since the date of the block, I have been entirely unable to access the Zelle payment network, re-enroll using any phone number or email address, or link any bank account to the Zelle platform. At no point did Early Warning Services LLC or XXXX XXXX XXXX XXXX. provide me with any written or electronic notice explaining the reason for the block, a description of my rights, any process to dispute or appeal the restriction, a timeline for resolution, or any acknowledgment of the issue whatsoever. I hold a checking account with XXXX XXXXXXXX XXXX XXXX. and was a registered Zelle user under the email XXXX and phone number XXXX ( XXXX ) XXXX. Despite multiple attempts to re-enroll using both contact methods and attempting to link different bank accounts, every attempt has been blocked without explanation. I have now been deprived of access to a widely integrated electronic payment system for over XXXX XXXX with no notice, no reason, no appeal process, and no recourse. This has caused me ongoing financial hardship, as I rely on electronic payment services for everyday transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
I am a homeowner and a victim of intentional " dual tracking '' and escrow mismanagement by Planet Home Lending regarding my cash-out refinance mortgage since XXXX. 1. THE ESCROW THEFT : Since XXXX, I have paid over {$31000.00} into this mortgage. Despite my performance, Planet Home Lending arbitrarily hiked my payments from {$740.00} to {$940.00} claiming " escrow shortages. '' They have failed to provide a legitimate accounting of where these extra funds went, while simultaneously refusing to credit my principal balance. They are now attempting to use my equity to pay unverified municipal debts to the XXXXXXXX XXXX XXXX XXXX ( XXXX ) that were never legally noticed under XXXX XXXX 2. THE FEDERAL VIOLATION ( 12 CFR 1024.41 ) : Planet Home Lending acknowledged my " Complete Loss Mitigation Application '' on XX/XX/XXXX. Under Federal Regulation X, this should have frozen all foreclosure activity. Instead, they pushed forward. I was placed on a Trial Period Plan ( TPP ) that was active through XX/XX/XXXX. By holding a XXXX XXXX on XX/XX/XXXX, they violated the mandatory 14-day appeal window required by law. They sold my home just 12 days after the trial endeddenying me my federal right to appeal or settle. 3. BAD FAITH NEGOTIATION : This servicer has ignored my direct disputes and is attempting to strip roughly {$70000.00} in equity from my family by padding the payoff with predatory " legal fees '' from a sale that was conducted illegally. They are acting in bad faith to facilitate a quick sale of a " targeted '' property rather than following federal loss mitigation requirements. DESIRED RESOLUTION : I demand the CFPB compel Planet Home Lending to : Void the illegal XX/XX/XXXXXXXX XXXX XXXX due to the Regulation X violation. Provide a full Escrow Audit from XXXX to present to account for the {$740.00} to {$940.00} payment hike. Issue a Corrected Payoff Quote that strips all " dual-tracked '' foreclosure fees and removes the disputed XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Barclays billed me {$5800.00} for a charge flagged immediately as unauthorized ; no signed authorization exists. This constitutes " charges for services not accepted by the obligor '' under FCBA 1666f ( 1 ) ( A ). Merchant promised full refund; pending credits posted but never cleared. Barclays closed dispute without : ( 1 ) thorough investigation, ( 2 ) providing contact information for investigator, ( 3 ) requested manager callback, or ( 4 ) proof I authorized {$5800.00}. They violated FCBA 1666f requiring written explanation + documentation, AND their Cardmember Agreement 54 ( b ) requiring same. This breaches statutory duty and advertised dispute standards. Florida OFR oversees compliance. Demand immediate investigation/removal.

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC
State: NC

Complaint narrative:
Complaint : I am filing a complaint regarding a vehicle finance agreement ( Deal # XXXX, dated XX/XX/year> ) for a XXXX XXXX XXXX XXXX financed through a contract originating with XXXX XXXX XXXX and serviced/held by Arivo Acceptance LLC . After reviewing my contract and requesting clarification, I have identified multiple concerns regarding transparency, accounting, and the accuracy of the obligation. Failure to Provide Full Accounting I have requested a complete loan ledger showing all debits, credits, and allocation of payments. This has not been adequately provided. Lack of Transparency Regarding Funding and Consideration The contract does not clearly identify who funded the transaction or how the dealer was paid. I have requested documentation showing the source of funds and proof of consideration, which has not been provided. Excessive Finance Charge and Cost of Credit The finance charge of approximately {$30000.00} on an amount financed of {$41000.00} raises concerns about the fairness and transparency of the loan terms and whether they were properly explained as required under federal law. Unclear Ownership and Assignment It is unclear who currently owns the loan and has authority to enforce it. I have requested documentation showing the chain of assignment and current ownership. Potential Violations of the FTC Holder Rule The contract includes a Holder Notice stating that any holder is subject to all claims and defenses against the seller. Any issues with the dealers conduct should therefore be enforceable against the current holder. Incomplete or Unclear Disclosures Certain aspects of the agreement, including optional products and total cost structure, require clarification to ensure compliance with federal disclosure requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint against Randolph-Brooks Federal Credit Union ( RBFCU ) regarding an inflated and improperly calculated monthly payment on my Home Equity Line of Credit ( HELOC ), and their failure to respond to multiple requests for clarification and restructuring. RBFCU is charging {$1800.00} per month on a HELOC balance of approximately {$110000.00}. This results in an effective annual payment rate of approximately 1819 % of the outstanding balance, which is significantly higher than reasonable market rates for a secured home equity product. Based on my review of the HELOC agreement, RBFCU appears to be applying a payment formula to a last advance balance rather than the current outstanding balance. This results in a materially inflated monthly payment. I have requested a written explanation of this calculation, including the specific contractual basis, but RBFCU has not provided a substantive response. I am currently in an active XXXX XXXX XXXX ( XXXX XXXX. XXXX, XXXX XXXX Texas ) and am performing on my obligations, including multiple mortgage payments under trial modifications. I am not seeking to avoid this debt. However, the current HELOC payment is disproportionate and threatens the feasibility of my bankruptcy plan. Despite being notified of my situation and pending mortgage modification mediation efforts, RBFCU has not engaged in any meaningful communication or restructuring discussion. This lack of transparency and refusal to engage is causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX I filed a claim with Esurance for hail damage. They deemed my car a total loss, but allowed me to keep it due to it only be cosmetic damage. They paid off the lien holder Santander and said that they were going to send my title to me via mail. I waited months, never receiving title. I have been back and forth on the phone and email with numerous people from XXXX and Santander trying to obtain a title or even a release of lien so I can register the vehicle. I have yet to receive anything so I can not use the vehicle. XXXX says that they never had car in their possession so Santander Consumer USA would be the one to give me title and or lien release. Santander states since XXXX paid of lien they sent the title to them and I would need to get them to send a letter to release lien to me. I have gone back and forth with both companies for many years. I just want a lien release so I can make use of a perfectly reliable car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I had a settlement agreement with this collection agency for {$1200.00} on a debt account. The settlement was set to expire on XX/XX/year>. On that date, I logged into the online portal to make the settlement payment and discovered the option had been completely removed without any prior notice or communication from the agency. I then attempted to contact the agency by phone multiple times over the course of a XXXX weeks using the number XXXX and XXXX. Each time I called, I was told either that someone else has the account or directed to another number. When I called that alternate number, an automated message stated no one is available with no callback option. I never had this issue prior to setting up the settlement. Always was able to reach someone now everyone is clueless and say they cant help. The portal now shows only full-payment options requiring the entire balance to be paid in installments, rather than the {$1200.00} settlement I had agreed to. I was unable to complete the settlement payment due to the removal of that option and the agencys unresponsiveness to my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am a victim of systematic deceptive practices ( UDAAP ) by XXXX XXXX ( Banco Popular of XXXX XXXX. The bank is refusing to honor the {$15000.00} contractual residual value of my lease, providing instead multiple inflated payoff statements reaching over {$17000.00}. Furthermore, the bank is fabricating 'License Reserve ' expenses. While official Department of Treasury ( XXXX ) records show payments of $ XXXX, the banks counsel provided false statements to state regulators ( XXXX ) claiming higher costs to embezzle my {$580.00} surplus. The bank is weaponizing an imbalance of power to force me into default. Please refer to the attached formal complaint ( PDF ) and Exhibits 1 through 6 for full evidence of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Whom It May Concern, I am writing to formally dispute and demand the immediate removal of a fraudulent account from my credit report. This account is the result of identity theft and does not belong to me. Fraudulent Account Information : Creditor : CREDENCE RESOURCE MANAGEMENT Account Number : XXXX Type : Collection Account Balance : {$3300.00} Date Opened : XX/XX/year> Original Creditor : XXXX XXXX XXXX I have never opened, authorized, or had any contractual obligation with this account. This is a clear case of identity theft. Legal Basis for Removal Under the Fair Credit Reporting Act ( FCRA 605B ), you are required to : Block and remove fraudulent information resulting from identity theft Do so within 4 business days of receiving proper documentation Additionally, under FCRA 611, you are required to conduct a reasonable investigation. However, identity theft accounts must be removednot merely verified or updated. Supporting Documentation Included Copy of my Government-issued ID FTC Identity Theft Report Police Report Proof of Address Demand for Immediate Action I am demanding that this account be : Removed and permanently deleted from my credit file Blocked from reinsertion under FCRA 605B Written confirmation sent to me once completed If this account is not removed, I will proceed with : Filing a formal complaint with the Consumer Financial Protection Bureau Escalating this matter for legal enforcement of my federal rights Important Notice Any continued reporting of this fraudulent account after receipt of this notice constitutes willful noncompliance with federal law. I expect full compliance immediately. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief