vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am requesting CFPB intervention against Nelnet / Dept. of Education-Nelnet regarding inaccurate, incomplete, and unverifiable student loan credit reporting. Nelnet furnished information to the consumer reporting agencies showing my Dept. of Education/Nelnet student loan accounts as 90 days late in XX/XX/2026, even though the payment history reports XX/XX/2026 as OK/current and does not show a proper progression of 30-day and 60-day delinquencies before the reported 90-day late status. This reporting is internally inconsistent and materially misleading. I directly disputed this reporting with Nelnet and identified the specific accounts appearing on my credit reports, including accounts beginning with XXXX. My dispute explained that the accounts were being reported as more than 90 days past due without any prior 30-day or 60-day delinquency history leading up to the XX/XX/2026 reporting. Nelnets initial response stated that no correction was necessary and that the reporting was accurate. However, Nelnet later responded by requesting verification or identification of the disputed accounts and treated the dispute as incomplete or insufficient. This creates a serious contradiction. If Nelnet could not identify or verify the disputed accounts in its later response, it has failed to explain how it previously determined that the reporting was accurate and required no correction. Nelnet has not provided a complete account-level explanation showing the exact due dates, missed payments, delinquency calculations, or the dates on which the accounts allegedly became 30, 60, and 90 days past due. It also failed to provide the underlying records supporting a XX/XX/2026 90-day late status despite XX/XX/2026 being reported as current/OK. This is not a goodwill request. I am disputing the accuracy, completeness, and verifiability of the XX/XX/2026 90-day late reporting. If Nelnet can not verify this reporting with competent account-level documentation, it should correct, delete, or suppress the inaccurate reporting and transmit corrected information to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$810.00} via ATM at the Citibank branch located at XXXX XXXX XXXX, XXXX, XXXX. I received a written funds availability notice confirming the following schedule : {$0.00} immediately, {$270.00} available XX/XX/year>, and {$540.00} available XX/XX/year>. On XX/XX/year>, the {$270.00} was not available as scheduled. I did not receive any notification or explanation from Citibank regarding the delay. On XX/XX/year>, I called customer service to inquire about the missing funds. I was told the {$270.00} would be available any time today with no specific time given. When I called back, a second representative could only see {$540.00} on deposit and had no explanation for the missing {$270.00}. I was escalated to a supervisor who gave inconsistent information and was dismissive. The {$270.00} has still not been released as of the time of this complaint. The funds availability notice I received is a binding disclosure under Regulation CC. Citibank failed to honor the stated availability date, provided conflicting information across multiple calls, and representatives were unhelpful and rude. I am requesting a formal review of this matter and the conduct of the representatives involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this response because Bank of Americas complaint response contains material factual errors and does not resolve the core issue. Bank of America states in its response that my XX/XX/year> payment of {$2200.00} was made through a third party XXXX XXXX XXXX service and that any refund was processed through XXXX . This is false. I did not use any third-party bill pay provider. The payment was initiated through Bank of Americas own credit card autopay system on my Bank of America credit card account. Their response appears to be based on an incorrect assumption about how the payment was made, which calls into question whether they investigated the correct transaction at all. My original complaint was not about an external bill pay service. My complaint is that Bank of Americas own autopay system withdrew more than the actual balance due. Credits had posted to my account before the autopay date, which should have reduced the amount owed. However, Bank of America still drafted the higher amount instead of recalculating the updated balance before withdrawing funds. In addition, Bank of America claims that a partial refund of {$180.00} was issued on XX/XX/year>. However, they have provided no proof that any refund was actually sent or received. They have not provided : ACH trace number Transaction reference number Settlement confirmation Destination account information ( even masked ) Processing timestamps Any documentary proof showing where the funds were sent As of today, the account from which the payment was drawn has not received these funds. I am requesting that Bank of America provide : 1. Documentary proof showing exactly how my XX/XX/year> payment was initiated, including confirmation that it was processed through Bank of America autopay and not a third-party bill pay provider. 2. Internal records or audit logs showing how the autopay amount of {$2200.00} was calculated, including whether account credits posted before the draft date were considered. 3. Documentary proof of the claimed {$180.00} refund, including transaction trace information, payment rail used, destination account details ( masked ), and settlement confirmation. Bank of Americas current response does not address the actual issue and appears to rely on incorrect facts. I request that this complaint remain open until Bank of America provides accurate records and documentary evidence supporting their claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I applied for a XXXX in XX/XX/XXXX. While the XXXX was under review, my servicer proceeded with the foreclosure proceeding in XXXX. I was forced to retain an Attorney to stop the XXXX. In XX/XX/XXXX, I was approved for a per-trial XXXX. All three payments were debited from my account ( XXXX, XXXX, XXXX ). XX/XX/XXXX I called and spoke to XXXX, who acknowledged the error on the XXXX 's end and promised to have this corrected within a week. XX/XX/XXXX, I was notified that the MOD was denied based on an assumption that there had been a change in the XXXX. I pulled the original XXXX from XXXX XXXX courts to show there was no change. I wrote a letter of explanation to the servicer ( Shell Point Mortgage Servicer ), stating that there was no amendment to the mortgage, deed, or XXXX. They failed to acknowledge the error. I sent a XXXX in XXXX of XXXX, and they refused to acknowledge their error. They proceeded with a Foreclosure, forcing me to retain an attorney. I have been dealing with this issue since XXXX with this servicer with no resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
My account was closed on XX/XX/year>, without any clear explanation or prior warning. Three days earlier, I transferred my entire life savings ( {$25000.00} ) from XXXX to my USAA savings account. These funds were intended to cover my mother 's funeral expenses after her doctors informed us that she did not have much time left to live. The transfer was scheduled to become available on XX/XX/year>, which is the exact day USAA closed my account. Although the funds continue to appear in my account, I have been denied access to my own money. When I contacted USAA, I was told that the funds would be held for 60 days while an investigation was conducted. No one provided a meaningful explanation, and to my knowledge USAA did not promptly contact XXXX to confirm that the transfer was legitimate and originated from my own account. This transfer was made in good faith. The money came from an account in my name, and every dollar represents savings I worked hard to accumulate. I moved these funds to USAA because I no longer wished to bank with XXXX after a negative experience at one of their branches. There was nothing suspicious about this transaction, and I have fully cooperated with every request. Because USAA withheld my funds during one of the most difficult periods of my life, I was forced to borrow money to bury my mother with dignity. I am now behind on my mortgage and household bills and am at serious risk of losing my home. The emotional and financial hardship caused by this hold has been overwhelming. My late husband proudly served in the United States military for many years, which is one of the reasons I trusted USAA. I have never been involved in fraud or any illegal activity. I am a grieving widow and daughter who simply needed access to her own savings during a family emergency. I respectfully request that USAA immediately release my funds or provide a detailed written explanation, including the specific reason for the account closure and the legal basis for continuing to hold my money. If this matter is not resolved promptly, I will have no choice but to file formal complaints with the Office of the Comptroller of the Currency, and the XXXX XXXX XXXX, and to pursue all other legal remedies available to me. I am asking only for access to my own money so that I can stabilize my finances and move forward after the loss of my mother. I urge USAA to treat this matter with the compassion, urgency, and fairness it deserves. Sincerely, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OK

Complaint narrative:
I received a call from Jefferson capital systems about collecting a debt owed on my XXXX credit card. The amount due was {$470.00}, but they offered to settle for {$190.00}, so I decided to pay that amount. I made an account and logged into their system XX/XX/year> to pay this debt. When I went to pay, the offer was there to settle the account for {$190.00}, and I selected it. However after submitting, the amount changed to the {$470.00}. Ive now called them and all they can do is submit a refund request ( which I denied as I dont want anything to do with this predatory company now and they also stated it would take XXXX weeks to even hear anything about my request ). This is obviously illegal and predatory, as I went into the deal with good faith and ready to pay the agreed upon amount to clear the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a negative balance of primarily overdraft fees on an account that had a positive balance and I believe the charges were ordered to maximize fees against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I requested by certified mail validation of this debt and have never received it. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Ive called Wells Fargo over and over again. I even went to a branch to solve this issue and its still there. I keep getting my bank statements in XXXX and I need them in XXXX for housing verification. If I dont get them soon Im going to loose my apartment. No matter what I do they keep telling me they cant give me an XXXX copy. Mind you, my preference is in XXXX and everything has always been XXXX but my statements keep coming up in XXXX. So its not my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Albert Corporation
State: NC

Complaint narrative:
Albert deducted funds from checking account without permission or notice.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-05-11 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
From XX/XX/year>, I had my card information compromised in a fishing scheme that led to my information being stolen, as well as access to my device being compromised. Upon realizing and protecting my data, I reported this to NFCU in XX/XX/year>. However, they only approved some of the transactions while claiming the others were transactions I participated in. This is just plain false, with the key piece of evidence being a transaction for {$1100.00} this was a charge that I did not initiate or authorize, and it appeared twice on my statement. This charge appeared two times, even though it featured a different name on the billing. Only one of the two charges was reversed while the other stayed. Additionally, I noticed other little charges that seemed similar to this one, all of which were not reversed. When asking why only one of the identical charges was reversed, I was not given a response, and when asking for evidence, they gave me the generic shutdown saying they consider the matter closed. No evidence whatsoever, no documentation to prove I authorized anything outside of my own bank statements. It shows they lazily went about this.

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 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received correspondence dated XX/XX/year> from a collection law firm attempting to collect an alleged debt on behalf of LVNV Funding LLC. The alleged balance is approximately {$3200.00}. I dispute the alleged debt in its entirety. The correspondence contains discrepancies regarding my identifying information, which raises concerns regarding whether the company is attempting to collect from the correct individual. On XX/XX/year>, I prepared and and sent written dispute and request for validation by certified mail requesting proof of identity, complete chain of title, account-level documentation, original agreement/application, itemized accounting, date of default/charge-off, and proof of authority to collect. I requested that collection activity cease until proper validation is provided. I also requested that any credit reporting associated with the alleged account be marked as disputed and corrected if inaccurate. This complaint is not an admission of liability or a promise to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XX/XX/year> an account with the balance of {$1000.00} was put into collections and I have no knowledge of this at all. This also goes against USC 1692 ( G ) USC 1666 ( b ) / USC 15 166/ USC 1666/ USC 15 166 ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding the restriction and blockage placed on my phone number, identity information, and access to XXXX services. My phone number and/or Social Security number were blocked from enrollment and usage without a clear explanation or adequate investigation. I dispute any fraud designation, misuse flag, or adverse determination associated with my identity. I requested information regarding the basis of the restriction but have not been provided sufficient documentation or evidence supporting the action taken against me. I am also concerned that identity theft and unauthorized activity may have contributed to inaccurate fraud reporting connected to my identity. The restriction has prevented me from accessing financial services and conducting normal banking transactions. I request : A complete investigation into the restriction Disclosure of all fraud indicators or internal risk codes associated with my identity Copies of records used to support the restriction Removal of inaccurate fraud reporting or misuse designations Restoration of my XXXX access if the information can not be verified as accurate I believe the company failed to conduct a reasonable investigation and may be reporting inaccurate information in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief