vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, This communication constitutes a formal dispute of the alleged debt and a demand for full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge any obligation for this alleged debt.

You claim an alleged balance of {$470.00}. You are hereby required to provide competent and complete evidence that I am legally obligated to pay this amount, including but not limited to the following : The exact amount of the alleged debt, including a complete itemization of principal, interest, fees, and any additional charges. 

The name and address of the original creditor and full documentation establishing the chain of assignment or ownership, including any agreements authorizing Resurgent to collect on this account.

Copies of any signed agreements, contracts, applications, or other documents bearing my signature that create a legal obligation to pay this debt.

Proof that Resurgent is properly licensed and authorized to collect debts in my state.

Proof that the alleged debt is within the applicable statute of limitations.

A copy of any judgment you claim exists, if applicable. 

Until proper validation is provided, you are legally required to cease all collection activity, including but not limited to phone calls, emails, letters, and credit reporting. 

If you are unable or unwilling to provide proper validation, you are required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to delete this account from all consumer credit reporting agencies, as unverified information can not be reported as accurate.

Any continued collection activity or credit reporting without first providing validation will be documented as potential violations of federal and state law. 

This notice is not a refusal to pay. It is a lawful demand for verification of your claim. Provide all requested documentation electronically. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
On XX/XX/year>, I entered into a vehicle lease for a XXXX XXXXXXXX XXXX XXXX through Hyundai Motor Finance. At the time of lease signing, a {$1600.00} paint protection charge was not disclosed, itemized, or explained to me and was embedded into the lease cost without my informed consent. 

After delivery of the vehicle, I was subsequently billed an additional {$980.00} in taxes that were not disclosed or explained at signing, despite lease documentation indicating that Hyundai would cover a portion of the applicable tax obligation.

These undisclosed charges materially altered the total cost of the lease and rendered the agreement financially unsustainable. I contacted Hyundai Motor Finance and Hyundai XXXX XXXX multiple times to request an explanation, itemization of the charges, and correction of the lease terms. Although Hyundai acknowledged in writing that the paint protection and tax charges were undisclosed and significantly impacted my lease agreement, Hyundai declined to provide any substantive remedy.

Instead, Hyundai repeatedly directed me back to the dealership and stated that it does not engage in sales or finance-related concerns, despite the lease being held and serviced by Hyundai XXXX XXXX and the charges being embedded into the lease structure.

I requested written clarification of my options to resolve the undisclosed charges, including correction of the charges or a negotiated early lease termination without adverse credit reporting. Hyundai declined to provide this information and refused to resolve the matter.

I am filing this complaint because Hyundai Motor Finance has acknowledged the undisclosed charges but failed to correct them or provide a fair resolution. I am requesting regulatory assistance to correct the undisclosed charges and to reach a resolution that avoids delinquency, default, or repossession.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I HAVE NEVER SIGNED A CONTRACT WITH DEPTEDNELNET. I WANT MY SIGNED SIGNATURE THAT MYSELF AND NELNET SIGNED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions mishandling of my debit card dispute and closing my claim improperly due to an inapplicable document request. 

This complaint involves a debit card purchase through XXXX for {$270.00}. The item was purchased on XX/XX/XXXX and delivered on XX/XX/XXXX. The seller did not send me what I ordered ( wrong item / merchandise not as described ). This purchase was intended as a Christmas gift which is why the issue was discovered later. 

I disputed the transaction with Navy Federal. Navy Federal later sent a notice requesting additional documentation, including proof that the merchandise had been returned. However, returning the merchandise was never an option because the XXXX seller refused to resolve the issue and did not provide return instructions, a return address, return label, or return authorization. Since a return was never offered, proof of return could not exist.

I called Navy Federal immediately when I received the documentation request. On XX/XX/XXXX, I contacted Navy Federal and the representative ( XXXX ) stated the email was generic and to ignore it because it did not apply to my situation. I called again on XX/XX/XXXX and another representative ( XXXX ) also stated the email was generic but advised I could reply stating the requested documents did not apply to my claim. I followed those instructions and responded explaining that the documents requested were not applicable. 

Despite this, Navy Federal closed my claim. Navy Federal sent an email stating the charge was valid because they did not receive the requested information by the deadline and that they did not find a merchant error. The email states the {$270.00} provisional credit will be removed on XX/XX/XXXX. 

On XX/XX/XXXX, I escalated the issue to a supervisor ( XXXX ). XXXX stated he does not work in the disputes department but repeatedly stated that because XXXX has a XXXX return policy I really have no claim and policy is policy. My dispute is not buyers remorse or a late return request, it is a dispute because the wrong merchandise was sent. The supervisor did not address the improper closure or the fact that the requested documentation did not apply, and the escalation call ended when he disconnected/hung up while I was attempting to resolve the issue.

I am requesting that Navy Federal reopen/appeal the dispute and properly review it under merchandise not as described / wrong item received, remove the improper requirement for proof of return when return was never offered, review call notes/recordings for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and restore/retain the {$270.00} funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> Wells Fargo allowed an unauthorized electronic transfer of {$3200.00} from my account to XXXX due to fraud. 
My Regulation E claim was improperly denied and closed without lawful investigation or provisional credit.

Wells Fargo is now refusing to allow access to the fraud department or supervisors.

I am requesting federal review for non-compliance with Regulation E protections.

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: IN

Complaint narrative:
I won money on a casino that mentioned getting payout faster, with a Skrill account then with my bank account. So I created a Skrill account where it clearly states my account has been verified. As soon as the casino sent my winnings to Skrill and I received the email I tried to withdraw the winnings into my bank account at which time my Skrill account was immediately restricted. Ive turned in several pieces of documentation, in which they conveniently reject over and over again. Ive had my bank write me a personal email confirming my card account and they still reject it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Every month at the end of the month my balance reflect bogus charges. Running balances not there transactions on old debit cards wrong credit report listed frequent decline even with pin entered multiple layers of security confirmed and not being allowed to access my funds reoccurring payments stopped without consent causing financial harm. Chase reversed claims that I did not authorize.or make again with no notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
This company has emailed me, text messages me and called me trying to collect a debt. I submitted in writing via mail and email requesting validation of the account a wet signature, bill of sale, chain of title, calculations of how they came to the alleged amount owed and in return they only sent me paper saying verification of amount. I am Not asking for verification I am Asking for validation and copies of the information they have in their system. I have asked them to cease and desist until they can tell me what this is and validate. This is inaccurate and I am unaware of this. This is on my credit report and I want it removed. They are reporting inaccurate data that has not been validated. This is affecting my score and life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I HAVE NEVER DONE BUSINESS WITH THE COMPANY TRYING TO COLLECT MONEY FROM ME. I HAVE NEVER HAD A CONTRACT WITH MY WET SIGNATURE ON IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> I started the purchase of a used car at XXXX XXXX XXXX in XXXX, GA. I made a partial down payment of {$1400.00}. I decided not to purchase car within the return time frame and returned the car to the dealership. 

XXXX XXXX XXXX accepted the return of the car but did not notify the bank : Westlake Financial that they accepted the car and to cancel the loan. Westlake Financial is still under the impression that I have the car and that I am failing to make payments for a car that I do not have. 

I had to contact my bank : XXXX XXXX XXXX XXXX to due a charge back to get my partial down payment back in the amount of {$1400.00}. 

Please investigate XXXX XXXX XXXX for their terrible business practices. The loan from Westlake Financial needs to be removed from my responsibility as I do not have the car and returned it back to the dealership in XXXX. My bank XXXX XXXX XXXX XXXX conducted an investigation and determined that I am not responsible and that is why my partial down payment was returned to me. Companies like XXXX XXXX XXXX need to stop their evil actions towards prospective customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am following up on my CFPB complaint regarding my TitleMax vehicle loan. 

I was informed that a settlement had been offered in connection with my complaint. However, when I contacted TitleMax directly to clarify the settlement terms and payment amount, I was advised by the store and the branch manager, XXXX, that they had no knowledge of any settlement. 

Due to this conflicting information, I have not made any payments while awaiting written clarification of the settlement and accurate payment instructions. Despite this, my account has now been flagged as high risk, placing my vehicle in jeopardy. 

I am requesting the following : 1. Written confirmation of whether a settlement was offered.

2. The full terms of any settlement, including payment amounts and deadlines.

3. Clarification of my current account status
.

4. Assurance that no adverse action, including repossession, will occur while this matter is under review.

I am willing to resolve this matter promptly once accurate and consistent information is provided in writing. I am requesting that TitleMax corporate or the department that handled my CFPB complaint contact me directly to resolve this issue. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account with citi bank and paid the annual fee then received an offer for the same card with no annual fee. I tried to contact citi for assistance and was given two conflicting sets of instructions on how to remedy the situation. They wont refund my fee without closing the account and pulling my credit again which impacts my score to reapply to acquire the same card without the fee which at this point amounts to a penalty. This isnt right ethically and if I have my lawyer look into deep Im sure its not right legally to impose punishment with actual consequence and demand payment to avoid the penalty. Not legal. Please step in and help. I have audio recording. Thank you.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MT

Complaint narrative:
I am a member of Navy Federal Credit Union. For approximately three ( 3 ) months, Navy Federal has restricted my account and denied me access to {$4300.00} of my own funds. 

Despite submitting at least thirteen ( 13 ) written requests to have the restriction removed, Navy Federal has failed to restore access or provide a legally sufficient explanation. I have not received any written notice identifying the legal basis for the restriction, any investigation findings, any resolution timeline, or any notice compliant with federal or state law. 

On XX/XX/year>, I sent a Final Demand for Release of Funds to Navy Federal by certified mail. Navy Federal ignored this demand and did not respond. 

The continued withholding of my funds appears to violate my account agreement and may also violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) if this restriction involves debit access, online banking, or ACH transactions, which require timely investigation and resolution. 

I am requesting that the CFPB require Navy Federal Credit Union to : Immediately restore full access to my account and release the {$4300.00}, or Provide a written, legally sufficient explanation identifying the legal authority for the restriction, the specific reason for the hold, the steps required for resolution, and a definitive release date. 

Navy Federals failure to respond to repeated written requests and a certified final demand is unreasonable and harmful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was checking recent XXXX transactions and noticed several other transactions from social media friends that Ive had no XXXX contact with. I see who they paid and why they paid How on the XXXX is this permitted? Under no circumstances should my transactions by default be visible to others, nor should others to me. This is a major breach in privacy. You policy setters are so ridiculously backward. This will go viral and XXXXo will be sued. Fix this XXXX problem and shame on our laws for allowing this XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I signed up with collaborative doc services to retain a collaborative physician. However up until XX/XX/XXXX i did not receive any correspondence from the collaborative physician. I reached out to collaborative doc several times regarding charges of {$500.00}, {$1000.00}, {$860.00} charged over a three weeks period. I requested refund of the monies without any response from the company. I then resorted to disputing the agrees with my bank who provided a conditional refund, but somehow decided to reverse the charges. I was told by the bank that the dispute can not be reversed unless i go into the bank and submit proof. I took time off from work to do so in XXXX. The email correspondence between myself and the merchant was submitted and TD refunded the {$860.00}. However they proceed to reverse the {$1000.00} saying that the proof was not uploaded under this claim and i had to again take time off from work to submit the claim again. Which i did on XX/XX/XXXX. When I saw that the charges were not refunded I called and was told that I did not submit in a timely fashion which made no sense because the same day I was advised on the phone that the charges maybe reverse I went to the bank to provide the supporting documents. I was told the case would be reopened and I would need to take time off a third time to go into the bank. On XX/XX/XXXX I tried to use my card only to find out that they declined. I attempted to log into my account but could not. When I called, I was told that according to fraud department I need to again go into the bank to resolve. When I went into the back I was told that my accounts will be closed as requested by fraud department without any other explanation. I am currently unable to access my money to pay my bills, mortgage, or feed my young baby and other kids. All deposits are going into said account and I have no access to my money because my funds are frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Velocity Investments , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX RE : Debt Validation Request Account Number : XXXX Original Creditor : XXXX XXXX XXXX Claimed : {$1800.00} NOTICE OF DEBT VALIDATION DEMAND 15 U.S.C. 1692g Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am in receipt of correspondence alleging that Velocity Investments , LLC is the current owner and collector of the above-referenced account. 

This letter serves as my formal request for full debt validation. I dispute this debt in its entirety. 

Pursuant to the Fair Debt Collection Practices Act

( 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and applicable Alabama law, you are required to provide competent evidence that Velocity Investments , LLC has the legal authority to collect this alleged debt within the State of Alabama. Please provide the following documentation : 1. Proof of Authority to Collect in Alabama Proof that Velocity Investments , LLC is properly licensed or authorized to collect consumer debt in the State of Alabama at the time of collection activity. 
Identification of the Alabama regulatory authority governing your collection activities.

2. Chain of Custody / Ownership History A complete chain of title from : XXXX XXXX Any intermediary entities To Velocity Investments , LLC 3. Bill of Sale and Purchase Agreement The actual purchase agreement or bill of sale identifying my specific account.

Generic or redacted data sheets are not sufficient.

4. Assignment Documentation A valid assignment showing lawful transfer of my specific account.

5. Securitization Disclosure Written disclosure as to whether this account was : Securitized Included in any asset-backed transaction Written off for tax purposes 6. Original Contract A copy of the original agreement bearing my signature. 
7. Complete Account Ledger A full accounting from origination through charge-off, including all interest, fees, and adjustments.

Cease Collection Activity Until proper validation is provided, you must cease all collection activity, including but not limited to credit reporting, telephone contact, or written demands, as required by 15 U.S.C. 1692g ( b ). 

Failure to comply may result in formal complaints filed with the Alabama Attorney General, Alabama State Banking Department, and pursuit of all remedies available under federal and state law. 

This request is not a refusal to pay, but a lawful demand for verification of your legal right to collect. 

Sincerely, XXXX XXXX XXXX, Alabama

Company response to consumer: Closed with explanation