vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AR

Complaint narrative:
I made my XXXX auto loan payment to Hyundai Motor Finance, and my bank confirms the payment fully processed and settled with no refund, reversal, or chargeback. Hyundai is claiming that the payment was charged back on XX/XX/XXXX, but my bank has confirmed multiple times, including by a supervisor and in writing via my bank statement, that no chargeback or reversal exists. Hyundai has refused to provide any documentation or proof showing that the payment was returned or charged back and has also refused to initiate a trace investigation. Hyundai is demanding that I repay the amount despite my proof. This is causing financial hardship and risk of wrongful delinquency or repossession. I am requesting that Hyundai properly credit my account, conduct a formal trace investigation, and suspend any penalties or collection activity while this is resolved. During my call with a Hyundai supervisor, I was told that either I or someone accessed my Hyundai account and initiated a chargeback on XX/XX/XXXX. This is incorrect and impossible. I have never disputed or charged back this payment with my bank, and my bank has confirmed no chargeback, reversal, or dispute exists. This further confirms that the issue did not originate from my bank or from me and appears to be an internal processing or reconciliation error on Hyundais side. Hyundai also waited over a month to notify me of this alleged issue and has refused to initiate a trace investigation and to provide any documentation proving a returned payment or chargeback.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They took {$50.00} on XX/XX/XXXX Took {$5.00} on XX/XX/XXXX Took {$400.00} on XX/XX/XXXX All taken from Midland Credit Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, I was notified by security alert that my account was on a security status alert. After talking to them found out that XXXX fraudulent checks were deposited under my account and my account is frozen until those checks return. It has been XXXX month and the checks have still not been returned, and Ive had XXXX paychecks and a XXXX deposit into that account because its a credit only account. At this moment, I have no access to those extra funds that I need so greatly to be able to pay off my regular expenditures. No one is telling me a timeline. Ive been told multiple timelines and theyve all passed. Im very frustrated because all they can tell me is theyre waiting for a check. Return even though I have my money in the account that will cover anything that gets returned. USAA is my bank.

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 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have purchased a jewelry from XXXX worth {$3000.00} last XX/XX/XXXX. I had a 12 month 0 % APR promotion. I was tight on cash and was unable to pay off the remaining balance of {$400.00} last XX/XX/XXXX. When I had the money on XX/XX/XXXX, I was surprised that my new balance was {$1000.00}. XXXX / Bread Financial has charge me a whopping interest on my {$400.00} balance which amounted up to {$660.00}. The interest is more than my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
am experiencing serious issues with my mortgage servicer, ServiceMac, related to an escrow analysis and payment increase. 

For approximately two months, I have repeatedly attempted to contact ServiceMac by telephone during their stated business hours ( XXXXXXXX XXXX XXXX XXXX. ET ). Each time, the automated system instructs me to call during business hours, even though I am calling within that timeframe. I have been unable to reach a live representative. 

During this period, my monthly mortgage payment increased by approximately {$1000.00}, allegedly due to an escrow shortage. I have not received a clear explanation or written breakdown supporting this increase. 

I am also unable to access my account online. Despite multiple attempts to log in and resolve the issue by phone, I have been unable to gain access or receive assistance. 

On XX/XX/year>, I formally requested a written escrow accounting, including escrow disbursements for the past 24 months, in order to review the accuracy of the escrow calculation. As of today, I have not received a response. 

I am requesting that ServiceMac provide a full written escrow accounting, investigate whether the escrow analysis was calculated correctly, and correct any errors. I am also requesting assistance in restoring account access and ensuring that no adverse action is taken while this matter is under review.

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 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I attended XXXX University during the period covered by the Department of Educations borrower defense automatic group discharge ( XX/XX/XXXX, XXXX XXXX, XXXX ) and hold a Direct Consolidation Subsidized Loan. Beginning in early XXXX, I contacted Nelnet to request written confirmation of whether my loan is included in the XXXX group discharge file issued by ED. Nelnet initially provided incorrect information, stating that I must submit an individual borrower defense application, despite EDs announcement that eligible XXXX borrowers receive automatic discharge. After I requested written clarification regarding discharge eligibility, loan coding, or data matching, Nelnet repeatedly refused to answer in writing, redirected me to phone calls, and sent boilerplate responses unrelated to my request. Nelnet has stated only that it has not received notice from ED, without confirming whether my loan is included in, excluded from, or unmatched within the XXXX discharge dataset. Despite multiple written requests, Nelnet has not provided confirmation of my discharge status or a written explanation for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint because Navy Federal Credit Union denied my dispute for an {$8000.00} charge from XXXX XXXX even though I cancelled the service and received absolutely nothing in return. 

I enrolled with XXXX XXXX on XX/XX/XXXX. After learning the program was not as advertised, I contacted the merchant and cancelled on XX/XX/XXXX. I signed their cancellation form, and I have written proof from the merchant confirming there would be no refund. 

However, despite the cancellation and the fact that I received no training, no materials, no deliverables, and no tangible service of any kind, Navy Federal denied my dispute and stated not enough evidence, even though I provided : The signed cancellation form Email from the merchant confirming no refund Screenshots proving I received no service Timeline of the cancellation This is a clear case of services not rendered. I cancelled within days, before the merchant provided anything, yet I am being forced to pay {$8000.00} for nothing. I am requesting this charge be reversed under the protections of the Fair Credit Billing Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a complaint on XX/XX/year>, complaint number # XXXX, regarding an account on my FTC report . Upon review, I discovered that the wrong account was included. The account currently listed is XXXX XXXX  and XXXX XXXX XXXX, with FTC report number # XXXX. This is incorrect and does not reflect the issue I intended to report. I am requesting that this dispute be canceled immediately to prevent any further processing errors.

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 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
I paid this debt in full on XX/XX/year>. Despite multiple requests, the collection agency has refused to provide timely written confirmation that the balance is {$0.00}. 

I have requested a paid-in-full or zero-balance letter by email and snail mail, but I have been told it will take 310 business days without justification.

This documentation is necessary for credit reporting and financial purposes. Refusing to provide confirmation of a paid debt creates risk of inaccurate credit reporting and prevents me from exercising my consumer rights. 

I am requesting immediate written confirmation that the account is paid in full and has a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Because i switching my financial institution from XXXX  XXXX  because my XXXX  account was compromised to XXXX XXXX then to XXXX XXXX XXXX XXXX bacuse capital one wasnt accepting any payments from XXXX  or vise versa even though the account was funded, that cause my account to have failed payment however i had funds in the account during the time so i do not understand why they failed. i paid off a {$1400.00} balance in XXXX which i thought would pay off the complete balance however a {$1.00} balance remained which i also tried to pay off in XXXX but i accidently used the XXXX  account which actually had funds in it but the payment faild which closed all XXXX off my account with capital one bank which i believe is an error and should be corrected by reopening my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with capital one on XX/XX/year>. The account was not open for more than XXXX XXXX before they restricted it. The reps said they needed to verify me but their system kept failing and reps can only send one link a day. I called everyday 3-4 times trying to get verified. I spoke with a supervisor who said my account got closed. Capital one has not returned the funds that were deposited from social security. These deposits are a federal Social Security benefit protected under federal law. I want my money returned to me immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am the consumer who personally submitted this complaint and I am the account holder identified in CFPB Complaint Case No. XXXX. The drivers license attached to this complaint was provided solely to verify my identity and to confirm that I am the individual authorized to submit and pursue this complaint. 

I did not authorize any third party to act on my behalf. I am submitting this complaint independently, in good faith, and with full authority regarding the matters raised herein. The inclusion of my government-issued identification is intended to eliminate any question regarding authorization and to allow the company to respond directly to me regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I do not recognize LMMINC. This is a fraudulent collection. Under 15 U.S.C. 1681s-2, the furnisher is reporting inaccurate 'Original Creditor ' information. As an identity theft victim with a valid FTC report ( enclosed ), I am exercising my right to a Section 605B Block. Do not 'verify'you are required to block and delete this within 4 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I sent {$250.00} to XXXX XXXX using Cash App by a debit from my XXXX  checking account. Cash App did not give XXXX XXXX access to use the funds. When XXXX contacted Cash App on XX/XX/XXXX, XXXX was told there was a problem with the Cash App system so Cash App could not deliver the money. Cash App canceled the transaction and told XXXX it should not recur. Cash App told XXXX the {$250.00} would be refunded to the debit card within 3-5 days. Three to five days have elapsed and the money has not been refunded to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
I have been trying to sell my home because i can not afford it anymore. I'm a single dad with XXXX kids. I have a buyer for the house but applied for a short sale to be able to sell the house so i dont have to file bankruptcy. I have been asking for this since XXXX and now the buyer is ready to walk away. The company will not answer my phone calls or email me back with any information. I have emailed and called Amerihome servicing with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Called Sandanter USA who holds the loan for my car XXXX XXXX XXXXXXXX account name XXXX XXXX XXXX last 4 of social is XXXX - spoke with XXXX  XXXX XXXX ( offered 30 day extension ) - asked if I could get a longer extension due to mechanical issues was told he had to transfer me. Waited on hold for over 15 min spoke with XXXX # XXXX - explained my current situation with the car. It's un-drivable and repair cost total {$4600.00} on a loan that's under {$11000.00}. Asked XXXX if I could have time to come up with a solution to see if I could trade the vehicle. This car has given me problems since the beginning with repairs after repairs. I also told XXXX that I'm currently unemployed and have been using my savings to keep payments current. XXXX replied that she could not approve a deferment at this time and suggested I contact the dealership to file a lemon law complaint. How does that help me with my current situation? The car is un-drivable and the repair cost far exceed what I can pay at this time. My account is NOT delinquent and if this is how this company operates when customers are asking for help, it's down right unexcusable! XXXX told me that I have until XX/XX/XXXX to make XXXX payment before my account is sent to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint regarding Citibanks handling of a billing dispute involving defective merchandise. 

I purchased a mobile phone from Best Buy using my Citibank credit card. The phone was defective at the time of purchase. When I returned to the store seeking an exchange, Best Buy refused to exchange the defective product unless I paid a restocking fee. I declined and attempted to resolve the matter through Best Buy corporate, including by sending a written demand letter. Best Buy failed to resolve the issue. 

I submitted a written billing dispute to Citibank under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), disputing the charge for defective merchandise and withholding payment on the disputed amount as permitted by law.

Despite this, Citibank has continued to contact me regarding payment, creating distress and ignoring my lawful dispute. I am concerned that Citibank may also be treating the disputed amount as delinquent or engaging in improper collection activity during the investigation period.

I am requesting that Citibank : Properly investigate the billing dispute under the FCBA Cease collection efforts on the disputed amount during investigation Ensure no negative credit reporting related to the disputed charge Provide written confirmation of the investigation outcome I am attaching documentation showing the defective merchandise, my attempts to resolve the issue with Best Buy, and my written dispute to Citibank.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Bella Sloan Enterprises
State: NJ

Complaint narrative:
I attempted to dispute a {$500.00} XXXX card charge for a training program where a material term ( non-refundability of the deposit ) was not disclosed at the time of payment or during the XXXX  enrollment call. XXXX XXXX opened a dispute by phone but closed the case after accepting the merchants statement without requesting proof of disclosure or conducting a proper investigation. I was told there was nothing they could do and advised to contact the police, which is inappropriate for a billing dispute. 
I am requesting XXXX XXXX comply with its obligations under the Fair Credit Billing Act by properly investigating this dispute as a case of misrepresentation by omission and services not rendered.

Company response to consumer: Closed with explanation