vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against Resurgent Capital Services regarding a debt they claim to service and/or collect on behalf of LVNV Funding . I dispute this debt in its entirety. Resurgent Capital Services has continued to attempt to collect and/or report this account without providing proper validation as required under federal law. Despite my prior disputes, they have failed to provide sufficient documentation to prove : That the debt is accurate That the amount claimed is correct That they have legal authority to collect That they are the proper party in interest with a valid chain of title To date, I have not received any competent evidence such as : A signed agreement bearing my signature A complete account history A bill of sale or assignment showing transfer of ownership Documentation proving Resurgent Capital Services has authority to collect on this account Instead, Resurgent has continued collection efforts and/or furnished information to consumer reporting agencies without proper verification. This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. XXXX ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. XXXX Failure to conduct a reasonable reinvestigation 15 U.S.C. XXXX ( b ) Failure of furnisher to properly investigate disputed information Additionally, continued collection without proper validation raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). Resurgent Capital Services appears to be relying on automated verification systems such as e-Oscar responses rather than conducting a reasonable investigation supported by actual documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have filed a complaint about Navient - Student loans prior and they are not on my credit report at all! A man by the name of XXXX XXXX at XXXX called my place of employment and was harassing me. I advised him he is not allow to be calling me at my work and he is in violation. Please have this company fine and stop calling people when I don't have an account or debt with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding XXXX XXXX prepaid gift cards purchased at a XXXX XXXX store on XX/XX/year>2026. When I attempted to use the XXXX cards at a XXXX store on XX/XX/year>2026, both transactions were declined. Upon checking the balances on XXXX XXXX prepaid gift card website, I found that both cards had been locked, despite each having a remaining balance of {$500.00}. I contacted customer service and was informed that the cards had been locked and that XXXX replacement cards would be mailed to my home address. I received the XXXX replacement cards a few days later ; however, when I attempted to activate them, both replacement cards were also locked. I contacted customer service again and was asked to provide the original purchase receipt, copies of the front and back of the prepaid gift cards, a copy of my drivers license, and a utility bill to verify my address. I promptly submitted all requested documentation. The following day, I received an email stating that my request had been denied because my mailing address was considered invalid. I was instructed to provide a different valid mailing address, along with a color ID and proof of address, for further review. I only have XXXX residential address in the United States. I explained this in a follow-up email and offered alternative documentation to verify my address. However, I haven't received any reply since then. I believe I have complied fully with all requirements and have provided sufficient evidence to verify my identity and address. The repeated denial of access to my prepaid funds appears arbitrary and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding a transaction financed through Affirm for a purchase made with XXXX that was not properly delivered. The order was placed in XX/XX/year>2025 using Affirm financing. The total amount financed exceeds {$1000.00}. The item was shipped via XX/XX/XXXX and tracking information later showed the package as delivered. However, the delivery was not made to my correct address. The proof of delivery provided by XXXX clearly shows an image that does not match my residence. This indicates the package was delivered to the wrong location. I did not receive the item, and therefore did not receive the product I am being charged for. After discovering the issue, I immediately contacted both XXXX and XXXX to report the incorrect delivery. A case was opened withXX/XX/XXXX( CaseXX/XX/XXXXXXXX ). Despite multiple follow-ups and over XX/XX/XXXXdays passing since the reported delivery, the issue has not been resolved. I have also contacted Affirm to dispute the charge and explained that I did not receive the merchandise. However, my dispute has not been resolved in my favor, and I am still being held financially responsible for an item that was never delivered to me. I have made numerous attempts ( over XXXX communications ) with XXXX and Affirm to resolve this issue, but I have not received a satisfactory resolution. The merchant failed to ensure proper delivery of the item, and the financing company continues to hold me liable despite clear evidence that the product was misdelivered. Since the item was never received, I should not be responsible for the charges associated with this transaction. The responsibility for delivery lies with the merchant and carrier, not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I received an inheritance from my deceased Mother in the form of XXXX checks from XXXXXX/XX/XXXX in XXXX. I deposited the checks in my checking account at First National Bank of Omaha. XXXX days later I requested a wire transfer to pay the balance on some jewelry I purchased for my fiancee. FNBO wire branch refused to execute the wire transfer. XXXX days later I again requested the wire transfer and again it was refused. In addition, FNBO froze both my checking and savings accounts. My checking account contains not only the funds I deposited by inheritance checks but also my military retirement pay, XXXX pension and Social Security monthly payment. I discovered this freeze when I went to XXXX to purchase groceries and the freeze has continued for the lastXX/XX/XXXX days. XXXX FNBO department says the account freeze was because the inheritance checks did not clear. I deposited the checks on XXXX XX/XX/year> and waited until XXXX XX/XX/year> to initiate a wire transfer. Another FNBO department told me the freeze was because I tried to initiate a wire transfer and FNBO was going to deny the transfer due to fear of fraud. I can not get a straight answer for the freeze but more importantly, I have no access to my liquid financial assets. I can not buy groceries or gas nor can I pay bills such as mortgage payment, electric, or other monthly bills. I have done business with this jewelry company for over a decade and provided FNBO with ample proof of the validity of my purchase. FNBO 's extreme fear of fraud and refusal to allow me to spend my money as I desire has caused my not only great financial stress but also mental anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their 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 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NY

Complaint narrative:
I returned to school in the fall of XXXX and requested in school forbearance. I was initially denied, but after speaking with a representative I was approved for forbearance. XXXX times I was approved, once in fall XXXX, then spring XXXX, and fall of XXXX. I am currently enrolled full-time, same school and same program but they have denied in school forbearance. They are claiming it was approved in error, and can not approve it due to the fact that the program is not a graduate program. This program was not a graduate program since the beginning of the request in XXXX. After XXXX approvals for XXXX month postponements each, there is an expectation of approval. I am mid program, and am working part time while enrolled in courses full time. I have XXXX more semesters after this and then I will be working rotations. The approvals were authorized on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I have submitted signed and stamped documentation from the school of my enrollment. I am currently XXXX months late for my payments due to being enrolled and being denied any assistance. I have requested lowered payments, regular forbearance, spoken to supervisors, but they are not willing to assist. If this was never approved, I would understand. But I have XXXX approvals signed by XXXX different people. Several people have looked at this account. If this was a true error, why was it repeated XXXX times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
I am filing a complaint against Cedars Business Services , LLC regarding their attempt to collect an alleged debt of {$520.00} related to XXXX XXXX. I currently reside in the state of Georgia. Cedars Business Services has contacted me attempting to collect this debt ; however, I have reason to believe they are not properly licensed or authorized to engage in debt collection activities within the state of Georgia. Under applicable state laws, debt collectors are required to be properly licensed or registered in the state in which they are attempting to collect. Attempting to collect a debt from a Georgia resident without proper authorization may constitute an unfair and deceptive practice. Additionally, I dispute the validity of this alleged debt. Cedars Business Services has not provided any documentation to substantiate the debt, nor have they demonstrated that I am legally obligated to pay it. I am requesting the following : - Written proof that Cedars Business Services is properly licensed or authorized to collect debts in the state of Georgia - Full validation of the alleged debt, including documentation from the original creditor and a complete account history - Documentation demonstrating their legal authority to collect on this specific account Until these items are provided, I request that all collection efforts be suspended. I expect a prompt investigation into this matter and appropriate corrective action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased my home in XXXX of XXXX through Wells Fargo. Since then, I've always had auto payment deductions from my checking account. However, I notice that this month, XXXX of XXXX, my payment was not deducted. I contacted the bank and asked what happened. They indicated that the change was made online by the consumer. However, this is not a true statement. I did NOT change my payment process. This has to be a glitch or defect in their system. Also, even if the consumer decided to change the process, it should not be a XXXX click and done. If so, this needs to be changed. After speaking to Wells Fargo, they corrected the matter. However, I know that Wells Fargo has been fined in the past for consumer malpractice. I want to have them follow-up and verify if the defect has been fixed?

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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I had an account with XXXX XXXX, and my credit limit was typically around {$5000.00}. Depending on my payments, they could authorize a higher amount. At XXXX point, I entered into a payment plan with them and was making payments of approximately {$130.00} per month. Prior to that, my regular monthly payments ranged between {$650.00} and {$870.00}. Due to financial difficulties, I was unable to continue with the payment plan, and my account was eventually sent to collections. However, my last payment to XXXX XXXX was {$250.00}, and at that time, my balance was approximately {$6200.00}. This was still an amount that felt manageable for me to repay under a structured agreement. Now that my account has been transferred to collections with First Source Advantage, I have been informed that my balance is overXX/XX/XXXXXXXXspecifically {$8800.00}. This amount exceeds the limit I originally had with XXXX XXXX, which is why I am filing this complaint. I would like to understand how this balance increased to such an amount and what options are available to help resolve this situation. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
{$6000.00} for a crypto account and {$500.00} for checking account with SoFi XXXX XXXX SoFi bank online they close the account for no reason all of a sudden and they kept all the funds and they wont return it. I called them the security team and I spoke to XXXX and XXXX, and both of them says that the funds are not going to return to me. They dont know whats happening they can not provide any information. I literally asked to speak to a supervisor or major or anyone else they refuse to transfer me no information is given a provided so I dont even know whats going on. All they say the fund will be returned to the originator. Im like who is the originator I am the account owner and they can not tell me whats going on over. The funds is going.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: GA

Complaint narrative:
My account was hacked on cash app they investigated but never refunded my money and now they are being very rude and insulting towards me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — FHA 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: Idaho Housing And Finance Association
State: ID

Complaint narrative:
Company Complain About is Idaho Housing and Finance Association ( DBA HomeLoanServ ) Loan Number : XXXX Detailed Description of Complaint : I am writing as the XXXX Personal Representative for the Estate of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). The servicer, HomeLoanServ, is in violation of XXXX XXXX XXXX and XXXX XXXX XXXX regarding Successor in Interest ( SII ) rights and loss mitigation procedures. Failure to Acknowledge Successor in Interest : Despite prior communications, HomeLoanServ issued a denial on XX/XX/year>, claiming they lack documentation to confirm the widow, XXXX XXXX, as a Successor in Interest. Simultaneously, I have provided the Marriage Certificate, valid State ID, and a Court Order granting a {$50000.00} XXXX XXXX. Under 12 CFR 1024.30 ( d ), the servicer is required to treat a confirmed successor as a borrower for loss mitigation purposes. Improper Threat of Foreclosure ( Dual-Tracking ) : In their XX/XX/XXXX correspondence, the servicer stated that the " foreclosure hold ... will be removed '' despite the Estates active attempt to initiate a Trial Payment Plan ( TPP ). Proceeding with foreclosure while a confirmed XXXX is seeking a TPP violates the dual-tracking prohibitions under 12 CFR 1024.41. Deviation from FHA Standards : The servicer is demanding a 6-month TPP, while the standard TPP under HUD XXXX XXXX [ XXXX ] is XXXX months. While they cite a non-borrower provision for the XXXX duration, they are using this extended timeline to delay a permanent resolution for an insolvent estate where the widow has statutory priority via her XXXX XXXX. XXXX XXXX XXXX : Frontline staff ( specifically " XXXX '' ) have verbally refused to provide a loss mitigation application or escalate the matter to their legal department, effectively blocking the Estates right to a formal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Subject : Formal Dispute Escalation Unauthorized Merchant Charge, Investigation Failure, and Resulting Charge-Off To Whom It May Concern, I am writing to formally escalate a dispute regarding an unauthorized merchant charge that has now resulted in a charge-off balance on my account. This matter reflects a failure in the investigation process and has caused significant and unjust financial harm. Account Reference Account : Ending in XXXX Amount : {$1900.00} Status : Charged-Off Statement of Facts This balance originates from a disputed charge related to a company claiming to have provided merchant services for tax preparation. I formally contested this charge on the basis that : - I did not authorize these services- I did not utilize these services As part of my dispute, I provided clear and verifiable documentation, including : - Copies of my filed tax returns for the past XXXX years - Identification of my actual CPA and tax preparation provider Supporting information demonstrating that all tax services were handled by a separate, legitimate firm This documentation directly contradicts the merchants claim of service delivery. Failure of Investigation Despite the evidence submitted, the dispute was resolved in favor of the merchant. This outcome suggests that : The investigation relied primarily on merchant-provided assertions Critical consumer-submitted documentation was not properly evaluated The burden of proof was improperly shifted away from the merchant As a result, an unauthorized charge was upheld and ultimately escalated into a charge-off. Impact This failure has resulted in : - A charged-off balance of {$1900.00} - Negative credit reporting - Financial and reputational harm - Potential impairment of my ability to secure future financing This situation is especially concerning given that the underlying transaction remains unauthorized and unsupported by actual service usage.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied XX/XX/year> and got this credit card strata elite. I used it responsibly and used organic spend. I paid a {$3500.00} credit card bill XX/XX/year> and got a XXXX notice after using it for XXXX months. Only had another month to spend {$500.00}. I call Citi and ask whats going to happen to my sign up bonus? They didnt know and I have to submit the paperwork within XXXX days or all ( XXXX ) of my Citi XXXX cards will be closed. Citi representatives told me I will get a e-letter on the Citi mobile app. I NEVER GOT THE XXXX NOTICE. I GOT THE XXXX letters XXXX WEEKS LATER. I EXPEDITED THE SHIPPING ON THE XXXX PAPERWORK AND CITIBANK received the paperwork the day before they would close all my Citi accounts. I called the day of my birthday XX/XX/XXXX if they received the XXXX letter. They said they were different. I XXXX cried, literally closed my XXXX gold and platinum because Citi XXXX XXXX was the new big hot credit card. I wish I could crawl back to XXXX XXXX I feel bad I burned bridges with them for Citi. All this XXXX apocalypse, XXXX XXXX would never do this to me. Finally next day XX/XX/XXXX they reinstate all my ( XXXX ) credit cards AND CITI SAYS THEY ARE REFUNDING MY ANNUAL FEE AND AWARDING ME THE SIGN UP BONUS. They did not refund me the money, they gave me a statement credit. THEY DID NOT AWARD ME THE XXXX CITI THANK YOU POINTS. I call every XXXX weeks and ask and they act XXXX not knowing whats going on. In XXXX I email them and ask about the letter. They reviewed my request and regret any inconvenience or difficulty. Citi goal is to provide superior service and products. YEAH CAUSE I CANCELLED MY XXXX PRODUCTS AND THEY DO THIS XXXX TO ME. Because of the disruptions they issued me a statement credit of the annual fee and will award me with the welcome bonus offer of XXXX Citi thank you points. They havent done nothing bro. They dont give a XXXX. I tell them the whole story how they screwed me over and XXXX over the XXXX XXXX launch. How am I going to be a fraudulent customer if I had XXXX other Citi cards and had in good standing for XXXX years. IN FORMULA XXXX if someone commits foul play they are given a XXXX XXXX penalty. I should be awarded with extra XXXX weeks to hit sign up bonus. But playing fair. Botching the citi launch. I never got my XXXX points.

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