vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I was attempting to rent a car using the XXXX website. While trying to process the request to reserve a car for XXXX XXXX, the website crashed completely. I had to refresh several times and I was unable to effectively reserve a car on the XXXX website. I ended up calling a company directly that is called XXXX to reserve a car directly. However, when I checked on my bank account, I noticed that I was charged by some car rental company called XXXX car rental. I had never heard of them. I immediately called them in my area here in XXXX and they told me during the call they did not see me in their system. I have a screen shot of this five minute call. I also checked my email for any confirmation of a reservation from them and they did not even send me a confirmation of payment or reservation details, XXXX also did not have any information. I called my bank to file a dispute. After over a month and a few weeks, my bank CHASE contacted me stating that they have denied my claim because they state that XXXX car rental provided proof that I authorized a reservation. I appealed, and contacted all companies involved with no success. XXXX has no record of me ever reserving a car there. XXXX car rental alleges that I reserved their car using XXXX. I did not receive any car from them, I have never used any of their services and am willing to provide any screenshot possible, including my XXXX account information. This charge is for {$290.00} and I am highly upset because this is due to a website crashing and that was out of my control. I had to use a different car company to rent the car I needed, I never used XXXX car rentals. I have an email from XXXX that is asking me to complete my booking further proving that I was never able to complete a booking with them. I also have a message from XXXX car rental stating that I reserved it from XXXX, I messaged their company through their WhatsApp customer service. XXXX has no record of me at all. This is clearly an issue with the website crashing and causing some type of backend error. I did not even receive a confirmation email, so there was not even a way to know what car they are saying I reserved or what time to pick it up or what place. Please look into this matter, I am willing to speak to anyone and provide any proof possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: HI

Complaint narrative:
I am filing a complaint regarding my FHA mortgage servicers failure to properly apply mortgage assistance funds that were sent on my behalf by XXXX XXXX. XXXX XXXX issued direct payment to my mortgage servicer intended to cover four months of mortgage payments. These funds were to cover XXXX, XXXX, XXXX and XXXX payments in full. I was in communication with Village Capital from mid XXXX regarding this. The initial payment with instructions on how to disperse funds ( equally per month ) was sent via check on XX/XX/XXXX and processed on XX/XX/XXXX. A request to stop the check was submitted per Village Capitals request to have a direct deposit of the exact amount instead of a check. The payment of {$15000.00} was sent on or about XX/XX/year>. It was cleared and received on XX/XX/XXXX. Village capital did not acknowledge receipt of this until I sent a copy of this via email. Representatives from the mortgage company have confirmed that the funds were received by their cashier/default department on XX/XX/year>. Despite acknowledging receipt of these funds, the servicer has failed to apply the payments to my mortgage account. My account currently continues to reflect delinquent/default status and shows that I am two months behind, even though the servicer is already in possession of the assistance funds intended to cure the delinquency. I have contacted the servicer multiple times and continue to receive conflicting and inconsistent information from different departments. I have been told that they are verifying how to disperse the funds and that I must wait an additional two weeks for an update. Meanwhile, my account remains in default status. This situation is causing significant financial hardship and concern, especially because this is my primary residence and an FHA-backed mortgage loan. I believe the servicers failure to timely and properly process these mortgage assistance funds is improper and potentially harmful to my credit and housing stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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 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 non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sent a letter by mail about closing my account and did not give a reason why

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 2026-05-28 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I am filing this complaint because Aidvantage has failed to process my student loan forgiveness under the Department of Educations IDR Account Adjustment, despite the fact that I clearly qualify based on my loan history. I originally borrowed federal student loans in XXXX for an XXXX program at XXXX University. My loan history shows : First disbursement : XX/XX/XXXX Entered repayment : XX/XX/XXXX Loan paid in full : XX/XX/XXXX Under the IDR Account Adjustment rules, all time in repayment, forbearance, and deferment including time on loans that are now paid in full counts toward the XXXX forgiveness threshold for XXXX XXXX. Because my loans originated in XXXX, I have over 20 years of qualifying time toward IDR forgiveness. Despite this, Aidvantage has not applied the required forgiveness to my remaining loans. My account still shows an outstanding balance, even though I have exceeded the XXXX requirement. I have not received any explanation or review from Aidvantage regarding why my forgiveness has not been processed. Additionally, I received an official email from the U.S. Department of Education in XX/XX/XXXX confirming that my application for federal student loan debt relief was approved, but the discharge was delayed due to litigation. Since then, the IDR Account Adjustment has been implemented, and borrowers with older loans like mine have been receiving forgiveness. Aidvantage has not reviewed or corrected my account accordingly. I have attached screenshots of my loan history showing my XXXX loan, repayment dates, and the Department of Education approval email. Aidvantages failure to process my forgiveness is causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX, XXXX, National credit systems, Account number : Dear ( Debt Collector ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. Best, XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRINITY HOPE ASSOCIATES
State: GA

Complaint narrative:
Subject : Complaint Against Debt Collection Agency for Improper Collection Practices I am filing a formal complaint regarding the conduct of a third-party debt collection agency attempting to collect an alleged medical debt related to an XXXX bill from XXXX in the amount of less than {$120.00}. On or about XX/XX/XXXX, I received a phone call from a representative of Trinity Hope Associates regarding this alleged debt. During the call, I explained that I had never received any bill or prior correspondence because it had been sent to an incorrect address. I advised the representative that I needed to update my address and requested a copy of the bill so I could review the charges and resolve the matter if legitimate. The representative refused to allow me the opportunity to update my address and refused to send a copy of the bill or any documentation of the alleged debt. Instead, I was told, Apparently you didnt forward your mail properly, despite my explanation that I had not received the correspondence and was attempting to correct my address information. During the call, I was also threatened with legal action, including being sued and having my wages garnished, over an alleged medical debt of less than {$120.00}. I found these statements intimidating, especially given that I had requested documentation and was actively attempting to obtain information about the debt. The representative then abruptly hung up on me. At no point was I provided an opportunity to verify the debt, review supporting documentation, or even update my address so future correspondence could be properly received. I have the call recorded as verification. I am concerned that these actions may constitute improper and intimidating debt collection practices, including refusal to provide reasonable information regarding an alleged debt, refusal to permit address correction for correspondence, and threats of legal action while denying me the ability to review the alleged obligation. I respectfully request that this matter be reviewed and that the collection agencys conduct and communication practices be investigated. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I was debit out of my account 2 times XX/XX/18 from a store called XXXX XXXX. I did not approve these transactions at any time they are fraud withdraws. I brought it to the banks prosperity bank attention and they declined my claim, due to it being done with a debit card. I am just wanting my funds returned to my account, never received a call from there fraud department. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I traded in my vehicle as part of purchasing another vehicle through a dealership. At the time of purchase, I was informed that my XXXX payoff balance on my trade-in vehicle was approximately {$13000.00}. The contract also reflected approximately {$380.00} in negative equity that appeared to be rolled into my new loan. However, I later learned that the dealership only sent approximately {$12000.00} to the prior lender, which was less than the stated payoff amount. In addition, I canceled an extended warranty that resulted in a refund of approximately {$1000.00}, which was also sent toward the prior loan. Based on these amounts, there should clearly be a refund or credit owed to me, but no one has been able to provide me with an explanation or accounting showing where the money was applied. I have contacted American Credit Acceptance multiple times requesting a detailed accounting and clarification regarding how the trade-in payoff, negative equity, down payment, and warranty refund were applied. I have spoken with representatives and supervisors and have been promised callbacks that I never received. Despite my repeated efforts, I have not been provided with clear answers, documentation, or an explanation regarding the apparent discrepancy in the payoff amounts and credits. I am requesting a full accounting of all amounts applied to the trade-in loan and an explanation regarding whether any balance or negative equity was improperly included in my current loan, as well as any refund or credit owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
b'I never used the service. I received faulty equipment that didnt work.'

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Sent modification request with my financials to mortgage servicer, received letter from servicer saying my documents are complete but they can not guarantee foreclosure sale date will be canceled. I read CFPB rules upon complete documents being received the mortgage company is supposed to stop my foreclosure sale. I am attaching the letter I was sent from Shellpoint saying they have a complete file for processing. I have not received validation of the debt letter, acceleration of debt letter. I am requesting deed note, validate the debt letter from foreclosure attorney and Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I had a payment plan set up with XXXX XXXX XXXX that was an automatic payment each month to pay off my debt. XXXX month the payment did not go through due to an expired debit card attached to the account. I was not notified that the payment didn't go through. I was not notified via email, voicemail, certified letter that they did not receive my payment. I was not notified that they intended to cancel my payment plan for the debt. I asked the company why they didn't send me any notification so I could quickly remedy the situation and stay on track with my payment plan. The company 's answer was simply " I do not know why we didn't send you an email or a voicemail or a letter in the mail. We just canceled it. ''

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 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The records tied to my financial profile demonstrate reporting deficiencies and documentation issues that reduce their reliability, and I respectfully request 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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
This letter serves as a formal notice and demand pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all other applicable federal consumer protection laws. I am demanding that you immediately CEASE AND DESIST all collection activity, reporting, verification, and communication regarding the accounts listed on my consumer credit reports unless and until you can provide complete lawful validation and verification of the alleged debts. I dispute the accuracy, completeness, ownership, and reporting compliance of these accounts. The reporting of unverifiable, inaccurate, misleading, duplicated, charged-off, transferred, sold, or improperly documented accounts constitutes a violation of the FCRA and FDCPA. The following accounts are formally disputed and demanded for deletion : CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any additional collection accounts, charged-off accounts, transferred accounts, or derogatory tradelines reporting under my name, Social Security Number, or consumer file. You are hereby instructed to provide : A complete accounting of the alleged debt ; A copy of the original signed contract bearing my signature ; Proof of lawful ownership and assignment of the debt ; Complete payment history records ; Proof of your legal authority to collect or report this account ; Documentation proving compliance with XXXX XXXX reporting standards ; Verification that all information being reported is 100 % accurate and complete. If you can not provide the above documentation, you must immediately : DELETE the account ( XXXX ) from all consumer reporting agencies ; CEASE all collection activity ; CEASE reporting derogatory information ; Notify all credit bureaus to permanently remove the tradeline ( XXXX ). XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX Be advised that continued reporting of inaccurate, misleading, unverifiable, or incomplete information after receipt of this notice may constitute willful noncompliance under the FCRA, including but not limited to violations of : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i 15 U.S.C. 1692e 15 U.S.C. 1692f Any failure to properly investigate or remove unverifiable information may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), state attorney general offices, and potential civil litigation for damages. Additionally, under the FDCPA, I request that all future communications regarding these alleged debts be conducted strictly in writing. This is not an acknowledgment or acceptance of liability for any alleged debt.

Company response to consumer: Closed with non-monetary relief