vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
To Whom It XXXX Concern, This email serves as a formal dispute of the balance you are claiming on my Exeter XXXX auto loan account, number XXXX. 

You have stated that I owe {$12000.00} after the vehicle was repossessed and sold. Under Illinois law and UCC Article 9, you are required to provide a full, accurate, and transparent post-repossession accounting. To date, you have not done so. 

Accordingly, I demand the following in writing : 1. The exact date the vehicle was sold 2. The gross sale price of the vehicle 3. A complete itemization of all charges and fees added 4. The loan balance at the time of repossession 5. A detailed calculation showing how you arrived at the alleged deficiency of {$12000.00} 6. Proof that the sale was conducted in a commercially reasonable manner 7. Proof that all required notices were properly and timely sent In addition, you and/or your repossession agent failed to return my personal property that was inside the vehicle at the time of repossession. This is unlawful. I am formally demanding compensation for the full replacement value of my property. 

The item taken was : XXXX XXXX  XXXX, purchased by me for {$180.00} Until this information is provided, I formally dispute the validity and accuracy of the balance you are attempting to collect. 

Be advised that if you fail to provide this documentation, or if the sale and accounting do not comply with Illinois law, I will consider filing complaints with the Illinois Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and pursuing all available legal remedies. 

I expect a written response within 10 business days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: NY

Complaint narrative:
I was given a debit card for payment from XXXX  XXXX  and never received any payment from XXXX  XXXX  that was owed to me. I just recently received a new card and is unable to get any money from XXXX XXXX and is unable to contact them. Please help me with this matter

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
In XXXX  I became XXXX, XXXX, and unable to travel. My social security checks were being sent to my checking account with Hancock Whitney Bank. I changed banks in XXXX  and initially forgot to call Social Security to have my checks sent to the new bank. When I called Hancock Bank to try and get a replacement Debit card, and mailed paper statements, the bank refuses and has mandated that I appear in their office with ID. I'm XXXX, I can't. I gave them all of the ID security questions, name, birth, SS, address, etc, but they refuse to give me access. The account balance is XXXX  XXXX and growing, at this point, my social security money. 

My name and address to access the account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX SS # XXXX Hancock Whitney Bank maintains its main office at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am filing a complaint regarding MOHELAs failure to process a documented overpayment reallocation request. 

On XX/XX/year>, I contacted MOHELA to report a duplicate payment, which resulted in a negative balance on XXXX XXXX. I requested that the overpayment be reallocated to XXXX XXXX. I was advised the request could take up to 90 days. 

After no action was taken, I submitted a written fax escalation on XX/XX/year>, which MOHELA has acknowledged receiving. Despite this acknowledgment, MOHELA has still not completed the reallocation, nor provided confirmation of processing, a case number, or a completion date. 

This delay has exceeded the stated processing timeframe. I am requesting that MOHELA immediately reallocate the overpayment from XXXX XXXX to XXXX XXXX and provide written confirmation that the correction has been completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Hi! I am locked out of my Mr. Copper account. I have called and messages the companies several times. I can not get anyone to help me. I had to do over the phone autopay so i could make my payment. No matter what buttons i push or say or message I can not get a live person. I have never not paid on time. I always pay extra to my principal and I cant do that because I cant get into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Other type of 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: Sunlight Financial LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding the servicing and lien administration practices of Sunlight Financial, and XXXX XXXX XXXX  as the funding institution for the loan program. 

The loan is a solar home improvement loan secured by a UCC lien that materially affects my ability to sell my home at XXXX XXXXXXXX XXXX XXXX XXXX The property is at risk of foreclosure, and a coordinated sale with XXXX  XXXX  is necessary to avoid avoidable loss. 

On XX/XX/year>, I contacted Sunlight Financial customer service and a supervisory representative to request foreclosure-avoidance options and information about lien coordination . During that call, Sunlight Financial represented that : ( 1 ) It does not participate in short sales and has no short sale or foreclosure-avoidance procedures. 

( 2 ) It does not coordinate with senior lienholders and does not consider whether its lien prevents a home from selling.

( 3 ) It maintains no loss mitigation, lien administration, compliance, or legal escalation contacts available to borrowers.

( 4 ) The only option offered was transfer and assumption of the loan by a buyer, contingent on approval, which does not address lien treatment at closing and is not a viable alternative where sale proceeds are insufficient.

( 5 ) Sunlight Financial disclaimed responsibility for foreclosure outcomes and stated that if other liens prevent a sale, thats your problem.

( 6 ) When I requested compliance or legal contacts, I was advised that no such process exists and was directed to an online account portal that does not provide any mechanism for foreclosure-avoidance escalation or lien coordination .

As a result, there is no reasonable or accessible process for a borrower to pursue foreclosure avoidance or to escalate servicing concerns, despite imminent foreclosure risk and foreseeable consumer harm. 

I am not requesting a loan settlement, forgiveness, or modification. I am requesting good-faith lien administration and reasonable servicing practices so a value-preserving disposition can occur. Sunlight Financials refusal to engage or provide any escalation pathway appears unfair and obstructive, and XXXX XXXX XXXX, as the funding institution, has oversight exposure related to this servicing conduct.

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 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have made a complaint about this previously. Care credit, through synchrony bank refuses to allocate payments to appropriate balances. They will apply payments to the balance that isnt incurring interest charges first. In a period of four months I had called in or messaged in through the app to discuss them refusing to apply my payment to an appropriate balance. Most recently, I made a {$480.00}. Purchase. I made a {$480.00} payment. I called and text the app to allocate that payment to that purchase.ove the next 4 months I paid a total of {$1200.00} and they still would not apply all of that to pay off the standard purchase. After 4 months of arguing, they applied my payments and paid off a balance And 30 days later they put {$1.00} back on the balance so they can charge a minimum interest charge. Then they claimed it was over 60 days since I made the payment so they cant reallocate it anymore. They claim I need to call into allocate my payments. I do that. Over and over. They refuse to allocate the payment properly. Then they refuse to refund the wrongfully incurred interest charges. I have to call over and over escalate to supervisor to supervisor, Before they will agree to help.they make comments that {$2.00} isnt a big deal but if they did that XXXX customers a month they are stealing a tremendous amount of money. If I was not watching the account because I know that they do this, I would probably be getting charged interest, when I shouldnt like many other customers are. 
Additionally, the account doesnt update for 1-2 billing cycles.

They make a mistake and refuse to correct it causing people to inquire wrongful charges.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman Sachs Bank USA is furnishing inaccurate and misleading credit reporting for my Apple Card and instructed XXXX  to reinstate a tradeline that had been previously deleted. 

XXXX  deleted the Apple Card/GS Bank USA tradeline on XX/XX/XXXX ( Report # XXXX ). Later, XXXX  reported the tradeline was updated/reinstated again by XX/XX/XXXX ( Report # XXXX ). Goldman Sachs has admitted in its prior CFPB response that XX/XX/XXXXwas not reporting the tradeline and that Goldman submitted a request to Experian to reinstate it. 

XXXX furnishing practices are harmful and materially misleading because the charged-off balance being reported is derived from unauthorized/fraudulent charges that I disputed. Goldman continues reporting a charge-off balance while refusing to provide competent documentation proving authorization and balance accuracy. 

Under XXXX U.S.C. XXXX ( b ), once a consumer disputes through a credit bureau XXXX Goldman Sachs must conduct a reasonable investigation and correct or delete inaccurate or unverifiable information. Goldman is instead escalating reporting and causing reinsertion, increasing consumer harm. 

I am requesting that Goldman Sachs : XXXX. Immediately stop furnishing inaccurate information and stop requesting reinsertion of disputed tradelines ; XXXX. Provide complete documentation supporting authorization and the charge-off balance calculation ; and XXXX. Correct or delete the tradeline from XXXX, XXXX, and XXXX  if liability can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RSH & Associates, LLC
State: TX

Complaint narrative:
RSH & Associates , LLC engaged in unlawful debt collection activity on an alleged XXXX account that is the direct result of identity theft. Prior to any collection attempt, this account was disputed as identity theft and subjected to a mandatory block under 15 U.S.C. 1681c-2 ( a ). RSH & Associates had actual notice from the outset through the CFPB portal, which transmitted my FTC Identity Theft Report, government identification, proof of address, and the underlying credit bureau dispute identifying this account as fraudulent. Despite this notice, RSH & Associates resumed collection efforts, issued payment demands, and falsely asserted compliance with federal law by mischaracterizing a bureau-initiated identity-theft dispute as a consumer-initiated validation request. Their communications rely exclusively on an unauthorized name variant and multiple false address variants, including a fabricated service address that has been repeatedly identified as fraudulent in FTC reports and CFPB materials already in their possession. Continued collection after notice, reliance on knowingly false identifiers, and deceptive statements regarding validation constitute willful violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX ( yesterday ) I received a letter from Citibank dated XX/XX/XXXX, indicating that a credit card application was pending in my name. I have never applied for a credit card with Citibank. The letter stated, " We need some additional information regarding your application ''. I contacted Citibank obtaining a phone number directly from their web site, which matched the phone number on the letter ( XXXX ). I advised the representative I spoke with that this application was fraudulent. The representative confirmed the application had been submitted with my correct home address, however the email address in the application is not mine. The representative advised that the card has been cancelled, and they will begin an investigation and contact me later. The letter included the following details : -- my home address -- XXXX ID : XXXX -- Reference Number : XXXX The letter did not include my email address or phone number.

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
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding Capital Ones continued restriction preventing me from opening a checking account, despite being informed by a Capital One representative that the prior restriction had been forgiven and that I would be eligible to reapply after a waiting period of XXXX to XXXX years from XXXX  That waiting period has now elapsed. I currently maintain XXXX active Capital One credit card accounts in good standing. Nevertheless, I continue to be denied the ability to open a Capital One checking account, without a clear written explanation or formal adverse action notice. This ongoing denial raises concerns regarding compliance with applicable federal consumer banking and fairness laws, including but not limited to : The XXXX XXXX XXXX Reform and Consumer Protection Act, 12 U.S.C. 5531 and 5536, which prohibit unfair, deceptive, or abusive acts or practices ( UDAAP ) in connection with consumer financial products and services, including deposit accounts. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m, which requires a clear adverse action notice when a consumer report ( such as ChexSystems or similar consumer reporting agencies ) is used, including disclosure of the specific reason ( s ) for denial and the consumers rights to dispute inaccurate information. CFPB supervisory guidance requiring financial institutions to apply account eligibility criteria consistently and to provide transparent explanations for denials, particularly where a prior restriction has been represented as resolved. At this time, I have not received : 1. A written adverse action notice specifying the precise reason for denial ; 2. Confirmation of whether a consumer report was used in the decision ; 3. Documentation explaining why I remain ineligible despite prior forgiveness and an expired waiting period ; or 4. A path to reconsideration or remediation. I respectfully request the following : A written explanation detailing the specific basis for my continued denial ; Confirmation of whether ChexSystems or any other consumer reporting agency was relied upon ; Copies of any records or policies supporting Capital Ones decision ; and A formal review of my eligibility in light of my current positive account history with Capital One. If this matter can not be resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and applicable state regulatory authorities. I request a written response within 15 business days or email within 5 days.. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Its serval calls too many to count. Emails as well. However this wasnt the first company I was paying to it was transferred to a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an inaccurate and unverified {$420.00} charge that XXXX XXXX claims I owe. 

My XXXX XXXX account was paid in full and properly closed after I completed payment for my device. At the time of closure, XXXX provided the required account PIN so I could transfer my fully paid phone to another carrier. I moved my service to a different provider and have not used XXXX XXXX since the account was closed. 

Despite this, XXXX began contacting me repeatedly often multiple times per day demanding payment of {$420.00}. I have spoken with numerous representatives and consistently disputed the charge. During these conversations, I requested documentation or proof showing how this balance was calculated and why it is owed. XXXX has not provided any evidence, billing breakdown, contract reference, or usage records to support this claim. 

As of XX/XX/year>, XXXX escalated this matter by reporting the disputed and unverified charge to the credit bureaus. This information is inaccurate, damaging to my credit, and in violation of my rights to have only verified and accurate information reported. 

I do not owe this debt. The account was closed with a XXXX balance, and XXXX has failed to validate their claim despite multiple requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this dispute regarding late payment entries that are currently shown on my credit report. After examining my credit file, I identified several late payment notations that I believe are inaccurate or improperly reported. I contacted the creditors more than 30 days ago requesting verification and documentation to support these entries, but I have received no response and no adequate proof has been provided to confirm their accuracy. I am now requesting your intervention to investigate and correct these disputed items that are negatively affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 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: Comerica
State: PA

Complaint narrative:
On XX/XX/year>XXXX  at the XXXX ATM on XXXX XXXX in XXXX XXXX a misdispense occurred for XXXX dollars. I contacted my financial institution XXXX XXXX and started a dispute. I faxed all needed documents. A provisional credit was given and taken back on the same day. I contacted them numerous times and faced extremely long wait times, unprofessionalism, multiple transfers to other agents without my issue being resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I purchased a money order on XX/XX/year>XXXX  in the amount of XXXX. Shortly after purchase the money order was lost along with the receipt. I went to the merchant to receive information regarding the transaction so that I may retrieve the money order or a refund from Western Union. I filed a money order refund request with XXXX on XX/XX/year>. I received correspondence requesting more information. I provided XXXX with a transaction report given to me from the accountant office for XXXX because I was not able to be given an original receipt. I explained that this is all that I am able to provide. I have tried calling and am unable to reach a representative. Im only able to email which makes it difficult to communicate with the company. I was told if I dont provide documentation within 3 days it will not be approved. I have since not gotten anymore assistance regarding this matter. I have been placed in a financial hardship due to this matter. I have proof to show that the money orders are still uncashed but I am not receiving my money back. I need some assistance to retrieve what is owed to me. This financial hardship taking a toll on my self and children. Please help me to resolve the matter.

Company response to consumer: Closed with explanation