vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Systemic HELOC Statement Errors and Obstruction of Cure This complaint presents new material evidence that was not addressed in my prior submission. 

Since the prior complaint was closed, Alliant Credit Union has admitted errors on multiple HELOC periodic statements, including the XX/XX/XXXX statement, which displayed an APR of 7.00 % and a daily periodic rate corresponding to 7.00 %, while calculating interest and the payment due using 7.25 % for that same billing cycle. These figures do not reconcile from the face of the statement. 

Under 15 U.S.C. XXXX ( b ) and Regulation XX/XX/XXXXXXXX ( a ) ( XXXX ) ( i ), periodic statements for open-end credit must accurately disclose the APR applicable to the billing cycle. The disclosed APR must reflect the rate actually used to calculate interest for that specific period. Alliant has acknowledged errors on multiple statements in XXXX and XXXX and issued a credit adjustment, yet has not provided : Corrected periodic statements A detailed breakdown of how the credit was calculated Confirmation that its statement-generation logic has been corrected The admission of statement errors during variable-rate adjustments raises serious concerns regarding the integrity of Alliants HELOC statement controls. Given the volume of Alliants membership, these defects may have affected tens of thousands of HELOC customers during periods of rate change. 

In addition, Alliant continues to obstruct resolution by directing me to foreclosure counsel for a purported reinstatement amount, while foreclosure counsel has repeatedly stated in writing that the matter is back with Alliant to proceed at their discretion. No reconciled, itemized accounting has been provided from which a reliable reinstatement amount can be determined. Prior demands were also found to be in error. 

Despite repeated good-faith tenders of payment and formal requests for a full accounting ( first requested XX/XX/XXXX ), Alliant has : Returned payments Failed to provide a reconciled audit Issued demand letters later shown to contain inaccurate figures Failed to provide complete historical statements This is not a duplicate complaint. It presents new evidence of admitted APR disclosure inaccuracies, unresolved statement defects, and ongoing obstruction that may indicate broader supervisory and compliance failures in HELOC servicing. 

This matter warrants formal regulatory review rather than routine complaint closure. I respectfully request : A formal investigation into Alliant Credit Unions HELOC statement-generation and APR disclosure controls Examination of compliance with 15 U.S.C. XXXX ( b ) and XXXX XX/XX/XXXXXXXX ( a ) ( XXXX ) ( i ) Review of foreclosure referral practices while accounting disputes and admitted errors remain unresolved This is not a routine servicing dispute. It raises systemic compliance and consumer protection concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wellsfargo auto loan original amount agreed to be paid in total {$22000.00} approved on XX/XX/XXXX. 
{$13000.00} in principal and {$9200.00} in interest to Wells Fargo XXXX month auto loan. Year to date {$22000.00} ( XXXX months ) was completely paid by XX/XX/XXXX leaving a balance of {$310.00}. XXXX left. XXXX and XXXX XXXX monthly payments still applied of {$460.00} as well as XXXX and XX/XX/XXXX {$460.00} monthly payments still applied to Wells Fargo auto loan account -which I paid thinking I still owed on the account but then I called in today because the interest had to be paid down by now so Now XXXX XXXX customer service representative states interest left on account is still at {$9200.00} meaning my interest doubled and threats of repossession of the car notice was received in XX/XX/XXXX. I requested detail billing statements showing all payments made from XX/XX/XXXX to current they claim they had to verify my address but has been sending payment received statements all XXXX years with no issues or returned to sender

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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
FIRST NATIONAL BANK OF OMAHA THREATENED TO SUE. ON XX/XX/year> FIRST NATIONAL BANK OF OMAHA, HIRED XXXX XXXX XXXX AN OUT OF STATE ATTORNEY FROM XXXX, OH. XXXX XXXX TOOK LEGAL ACTION TO SUE WITHOUT PROPER NOTIFICATION OF LAWSUIT ON BEHALF OF FIRST NATIONAL BANK OF OMAHA. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 U.S.C. XXXX SECTION XXXX STATES I HAVE A RIGHT TO PRIVACY. UNDER 15 U.S.C. XXXX SECTION XXXXA SECTION XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 U.S.C. XXXXB A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: UT

Complaint narrative:
I first used the Abound app to transfer approx {$640.00} to XXXX for my grandmothers XXXX procedure. The transaction was placed on XXXX with an ETA of XXXX. On XXXX I initiated a XXXX transaction of approx {$6000.00} to XXXX that was supposed to be deposited into the recipient ( self ) account by XXXX. Neither transaction has been deposited as of date XXXX. 
Despite numerous outreaches to Abound, Ive been given the runaround and told that the deposit will happen within XXXX days. This has however just been an ever moving goalpost.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XXXX XXXX2025 I submitted a dispute claim in the amount of {$200.00} to Bank of America for an order placed to XXXX. However I never received packages and XXXX promised a refund however I have yet to receive that refund so I submitted a dispute to Bank of America and I have yet to receive a response from either.

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 2026-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent account and debt currently being pursued by XXXX XXXX XXXX on behalf of Oportun XXXX Under account number XXXX for the amount of {$6200.00} On XX/XX/XXXX, I received a collection text message from XXXX XXXX XXXX regarding a loan that I did not authorize. Upon investigation, I discovered this unauthorized account was opened in my name at Oportun with an original loan date of XX/XX/XXXX. 

I am reporting that this account is the result of identity theft. I have no association with this transaction, and I did not receive any funds from this loan. Furthermore, I have official documentation ( travel records ) proving that I was not in the country on XX/XX/XXXX, the date the loan was initiated, making it impossible for me to have signed for this account in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
I was contacted by a third-party debt collector via text message regarding an alleged medical debt in the amount of {$62.00}, which they claim dates back to 2020. Prior to this text message, I did not receive any written validation notice or disclosure of my right to dispute the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 
I dispute the validity of this alleged debt. The collector failed to provide verification of the debt, proof of ownership, or evidence that proper written notice was sent before initiating collection activity. Contact by text message occurred without confirmation that required written notice was delivered or received. 
I am requesting that the company cease collection activity until full validation is provided, including proof of the debt, proof of mailing of the required notice, and documentation establishing their authority to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Concora Credit company specifically Destiny Mastercard only allow XXXX day between the due date and the statement closing date. My due date is the XXXX of the month and the statement closing date is the XXXX of the month. 
This is illegal because I am not giving the proper amount of time before the information is reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
Case was closed, need the negative account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other 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 have no knowledge of this account. I did not authorize this. They claiming I owe {$230.00} and I want this account disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank Deposited 6 money orders that was made out to XXXX XXXX XXXX XXXX. The Condo has no EIN number nor is it registered with the Secretary of State. Why did you allow this money order to be deposited? I have contacted the XXXX XXXX as well. 

XXXX {$560.00} XXXX {$140.00} XXXX {$140.00} XXXX {$290.00} XXXX {$500.00} XXXX {$100.00}

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WSFS FINANCIAL CORPORATION
State: WA

Complaint narrative:
WSFS XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following : 1. The name and address of the original creditor. 
2. The full amount of the alleged debt, including an itemization of interest, fees, and charges.

3. Copies of any documents bearing my signature that show I agreed to this debt.

4. Proof that your agency is licensed or authorized to collect debts in my state.

5. Verification that the statute of limitations has not expired on this debt. 

Until you provide proper validation of this debt, I request that you cease all collection activity, including reporting this account to any credit reporting agencies. 

If this debt has already been reported to the credit bureaus, please mark it as disputed while this matter is being investigated. 

Thank you for your cooperation. I look forward to your response within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: ID

Complaint narrative:
they refused to send the documentation of the transfer of the loan, payment history, etc. then they told me the only option was to pay over XXXX which is more than the original amount of the loan with the interest included. still waiting for all documents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Global Lending sent me the extension form on XX/XX/XXXX I sent it back on XX/XX/XXXX. The representative just advised me on yesterday that he did not see it in the system. I asked if I needed to resend it and he advised me no to just give it until today. I called today and asked if it was showing in the system only to be told that it was not and I should have received an email stating it was received. I advised the representative that I did not receive a confirmation email. I asked the representative how many days past due was my account only to be told that they do not go by days past due. I wanted to know the days past for own personal reasons. I asked for a supervisor only to be transferred to a chargeoff supervisor name XXXX XXXX at ext XXXX. Instead of her attempting to answer my questions she began to belittle me. She wanted to tell me how many calls I missed and did not return to Global and it was just too late for the extension. There was a lack of professionalism and she was very sarcastic. I began to advise her that I work in the same industry and I would not speak to me customer like she was speaking to me. I asked if my account was in chargeoff and she stated no she was the only supervisor available. I feel that the call need to be reviewed and I am requesting a call from her supervisor or manger with an apology and we talk about resolving my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am a member of the Virginia XXXX XXXX currently currently serving on XXXX XXXX XXXX  orders ( XXXX XXXX XXXX ) for a period of more than 30 consecutive days ( Start Date - XX/XX/2025 ) I requested that Freedom Mortgage apply the 6 % interest rate cap to my pre-service debt as required by law. The lender denied my request, claiming as a XXXX XXXX member under title XXXX orders serving in the United States that my loan did not qualify for SCRA benefits. Later I was denied verbally over the phone stating that I had my mortgage prior to starting my orders and was not eligible. The written denial letter only stated " Non Qualifying Orders '' The denial is a violation of Virginia code 44-102.1. The state statue explicitly mandates that any right, benefit, or protection available under the federal Servicemembers Civil Relief Act ( SCRA ) for Title XXXX service " Shall Be Extended '' to Virginia XXXX XXXX members on title XXXX orders of 30 days or more. 

Under this Virginia state extension, the lender is legally required to honor the 6 % interest cap regardless of whether a federal emergency has been declared. I have provided my orders and cited this statue to the lender, but they continue to refuse my federally-protected and state-extended rights

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 2026-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/year>, I submitted a complaint regarding my private student loan serviced by MOHELA because I was attempting to obtain information about options to lower my monthly payment and requested that all communication be conducted in writing for documentation purposes. 

The servicer acknowledged receipt of my complaint and later provided a general response explaining that repayment options for private loans are discretionary. However, they did not provide clear, written, loan-specific information outlining what options may be available to reduce or modify my payment or what steps are required for eligibility. Without this information, I am unable to meaningfully pursue a resolution. 

In addition, despite my repeated written requests for written-only communication, I continue to receive phone calls and messages stating attempts to contact me. I have clearly stated that I am willing to resolve my account, but I require written correspondence to properly review information and maintain records. Telephone communication is not practical due to my work and school schedule. 

My concern is that I am actively trying to resolve my payment situation, yet I am not being provided with the written, individualized information necessary to do so. At the same time, unwanted phone communication continues despite my explicit requests for written contact only. 

I am seeking assistance to obtain clear written repayment options specific to my loan and to have my communication preference respected so I can work toward a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, a Wednesday, I transferred {$72000.00} from my XXXX XXXX XXXX XXXX XXXX  account ... XXXX to my Synchrony Bank XXXX account ... XXXX. I have verified online that my account at XXXX was debited on XX/XX/XXXX, a Thursday. As of XX/XX/XXXX the funds were still at large in the banking system ; on XX/XX/XXXX the teansfer was referenced online by Synchrony but the funds were not yet available. After way-too-much effort with AI chat, live chat and finally a phone call, I was told by Synchrony that the funds would not be available until XX/XX/XXXX, but that I would earn interest from XX/XX/XXXX. That begets the problem still, that for 5 days my funds were held hostage and I was deprived of the earnings so-associated. Time is money in the financial system and someone is using consumers funds without remit. I ought to be compensated for the five days that someone had my funds held out of my earnings control

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
I am submitting this complaint regarding wrongful withholding of my funds after account closure. 

I opened a business checking account through Relay Financial on XX/XX/year>. The account was later restricted and officially closed on XX/XX/year>. The account was issued by XXXX XXXX. 

At the time of closure, I was informed that my remaining balance would be returned by mailed check within approximately 60 days. 

It has now been more than 180 days since the account was closed, and I have not received my funds. 

Relay has claimed on at least four separate occasions that checks were issued and mailed to my business address. However : I have never received any of these checks. 

No tracking number has ever been provided. 

No proof of mailing has been provided. 

No proof of delivery has been provided. 

No proof that any check was cashed has been provided. 

I specifically requested either : A reissued check sent with valid tracking, OR An ACH transfer of my remaining balance. 

Relay initially stated an ACH transfer would be processed but never completed it and stopped responding. 

The continued claim that checks were sent without providing any verifiable proof, combined with refusal to issue payment through a secure method, has resulted in my funds being withheld for over 180 days. 

This delay far exceeds the originally stated 60-day disbursement timeframe and appears unreasonable. 

I am requesting that the CFPB require the financial institution to : Immediately release my remaining balance Provide verifiable proof of any prior disbursement attempt Provide tracking information for any future mailed check OR complete ACH transfer The failure to return customer funds after account closure for this length of time is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
b'On XXXX XXXX and XXXX  my tax advance and also my refund was sent to a PayPal that wasnt even in my name PayPal accepted the money and whoever account it was spent my money I have both trace numbers and spoke to PayPal and they informed me my money was accepted into a account that wasnt mine nor in my name \nTrace number for XXXX XXXX XXXXTrace number for XXXX XXXXPlease I just want my refund money the money was sent to a account ending in XXXX

Company response to consumer: Closed with explanation