vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: CA

Complaint narrative:
I am writing to formally dispute the following account that appears on my credit report. I have never done business with this creditor and do not recognize this debt. 
Creditor : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Collection Account Balance Reported : {$2400.00} Date Opened : XX/XX/ XXXX  Status : Open / Placed for Collection I do not acknowledge ownership of this account, nor have I ever entered into any agreement with LVNV Funding LLC or authorized this account. As such, I am requesting full validation and verification of this debt pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and, where applicable, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 
Please provide the following documentation to substantiate this account : Proof that I am legally obligated for this debt A copy of the original signed agreement or contract Complete payment history Proof of LVNV Funding LLCs legal right to collect this debt Verification of the original creditor and account number If you are unable to provide proper verification, I request that this account be immediately deleted from my credit report. 
Please note that reporting inaccurate or unverified information violates federal law. I expect this matter to be investigated promptly and resolved within the time frame required by law. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I disputed the above-referenced account with Unifin Inc , demanding that they provide me with some kind of identification and/or signed contracts and contact information to legally support their {$5700.00} debt they claim I against me.I never got a response from Unfin Inc with the requested information Around XX/XX/XXXXXXXX XXXX XXXX I recieved 2 letters from Unifin, Inc. attempting to collect this debt. One of the letters date back to the month of XX/XX/XXXX, when another company, XXXX XXXX XXXX was reporting missed payments on my credit profile. That negative activity has significantly affected my personal and professional life. To date, XXXX XXXX XXXX XXXX is STILL reporting this account on my credit profile. 

Despite my efforts to resolve this matter directly with Unifin , Inc and the issue has not been resolved. This company has failed to respond adequately and continues to engage in predatory conduct. I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. And they are just selling my information from one debt collector to another at this point. 

Because no verification was provided to me within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, Unifin Inc is required to DELETE this account immediately from my consumer file. Any attempt to initiate or continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law.

Pursuant to 1692e ( 10 ) clearly these two entities are using deceptive means to collect a debt, which is also unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am disputing a debt listed by Spring Oaks Capital , LLC that originated from a XXXX credit card. The original credit limit was approximately {$2800.00}, and the creditor ( XXXX ) charged off the account in XX/XX/year>, writing off a balance of {$2700.00} as reflected on my Experian credit report. 

However, XXXX XXXX XXXX is attempting to collect approximately {$4000.00}, which is significantly higher than the charged-off amount. I never owed {$4000.00} on the account. I disputed the amount with Experian, but the debt remained. I then sent a formal debt validation request to XXXX XXXX XXXX via certified mail, which was delivered to their P.O. XXXX in XXXX, VA on XX/XX/year> ( XXXX tracking confirmed ). They have not responded or provided any documentation validating the debt or proving their right to collect it. 

Despite receiving my request, XXXX XXXX continues to report the alleged debt to the credit bureaus without proper validation, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB to investigate and instruct XXXX XXXX XXXX to either validate the debt with proper documentation ( such as a signed contract, complete payment history, and proof of assignment of the debt ) or remove the account from my credit report entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 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: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
I paid off my auto loan with Hyundai Motor Finance in XX/XX/year>. Because I traded in my vehicle, and my payments were set to auto-pay, a payment was made at the same time I traded my vehicle in, which resulted in an overpayment that Hyundai Capital was required to refund. Despite more than XXXX months of repeated attempts to resolve the issue, Hyundai Capital has not issued the refund owed to me. 
XXXX. Overpayment for VIN XXXX ~ {$690.00} The vehicle was paid off in XX/XX/year>. 
Hyundai Capital claimed to have issued a refund check to the dealership in XX/XX/year>, but the dealership never received it. 
On XX/XX/year>, I contacted Hyundai Motor Finance requesting the refund be sent to me. They stated it was sent to the dealership. 
On XX/XX/year>, Dealer Support opened Case # XXXX and requested a stop payment and reissue directly to me. 
On XX/XX/year>, I contacted Hyundai Capital after receiving no updates from either the dealership or Hyundai Capital. 
On XX/XX/year>, Hyundai Capital responded with refund information for a completely different customer, which is documented in the email thread. 
On XX/XX/year>, Dealer Support opened Case # XXXX to stop payment and reissue the refund directly to me. 
On XX/XX/year>, Hyundai Capital stated they need more time, with no further action taken.

As of today, Hyundai Capital has not issued the correct refund to 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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year> I purchased a XXXX XXXX XXXX through the Capital One Shopping Rewards app with my capital one credit card at XXXX. I was supposed to get {$150.00} back in bonus rewards on my Capital One Shopping account. It did not track as a purchase in the rewards tracker despite purchasing it directly through the app, not using ad blockers and adhering to all rules and conditions of the reward. The transaction was recorded with the trip number XXXX, XX/XX/year> XXXX at XXXX . Ive reached out to customer service many times to ask them to adjust the reward and have provided proof of the reward offer. They refuse to fix it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
I am writing to formally file a complaint against Healthcare Finance Direct regarding their refusal to cancel a financing contract tied to services that are no longer being provided by the original business with which I contracted, as well as their refusal to provide me with a copy of the alleged contract. 

I entered into a contract with XXXX XXXX, located in XXXX, XXXX, for laser hair removal treatments. The services were financed through Healthcare Finance Direct as part of my agreement with XXXX XXXX. My contract and financing agreement were explicitly based on services to be rendered by XXXX XXXX. 

Subsequently, XXXX XXXX closed the XXXX location where I was receiving treatment and sold the location to a different company, XXXX XXXX. I did not sign any contract with XXXX XXXX, nor did I agree to transfer my services or financing agreement to this new company. I have never conducted business with XXXX XXXX and did not consent to any assignment or assumption of my original contract. 

Despite this, Healthcare Finance Direct is attempting to enforce the original financing agreement as if it remains valid, even though the original service provider ( XXXX XXXX ) is no longer providing the contracted services. 

In an effort to understand my obligations, I formally requested a copy of the contract and financing agreement from Healthcare Finance Direct. They have refused to provide me with a copy of the contract, despite multiple requests. Enforcing a contract while simultaneously refusing to provide documentation of that contract is unreasonable and deeply concerning. 

I have made multiple attempts to resolve this matter directly by contacting both XXXX XXXX and Healthcare Finance Direct. Unfortunately, I have been given conflicting information, delayed responses, and no meaningful resolution. Each party continues to redirect responsibility without addressing the fundamental issue : the original contract was with XXXX XXXX, a business that no longer provides the services I agreed to purchase. 

I am requesting that this contract be cancelled immediately, that all billing and collection activity cease, and that Healthcare Finance Direct be required to provide documentation supporting any claim that this contract remains valid. Continuing to enforce this financing agreement under these circumstances constitutes unfair, deceptive, and improper business practices. 

I respectfully request your assistance in investigating this matter and helping to ensure that Healthcare Finance Direct cancels this invalid contract and ceases all enforcement efforts. 

Thank you for your time and attention to this matter. I am happy to provide any additional documentation or information upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
SINCE XX/XX/year>, I have been unable to access my online account-I repeatedly receive " INACTIVE WEBPAGE/ACCOUNT MESSAGE!!!! Multiple phone calls and transerss have failed to resolve the issue. I am unable to access payment history, tax doucuments and loan details. This is interfering with my ability to manage my mortgage. I have asked repeatedly for immediate restoration of online access with no success. Written explanation of why access is being denied has not ever been explained, even to this day, no resolution or assist. I am constantly transferred to non XXXX speaking customer Service Reps-OUTRAGEOUS. 

PENNY MAC LOAN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
My mom passed in XX/XX/XXXX and myself and brother are the beneficiaries of her Citi IRA CD. I called Citi in approximately XX/XX/XXXX to alert of her death and begin the inherited IRA process. Citi stated I would need to first mail in a letter with the death certificate, and I could write whatever I wanted on the letter. What? My mom had already set up myself and brother as beneficiaries, but Citi placed the burden on me to initiate the process by mailing in a random letter with the death certificate. Of course, the call center agent was not in the USA, so it was difficult to understand.

I mailed the death certificate right away and waited weeks for the beneficiary package. I never received it. I kept calling ( hold times of 30+ minutes ), and Citi finally just emailed me the paperwork. I faxed the paperwork on XX/XX/XXXX and highlighted in multiple places that Citi must send the RMD by XX/XX/XXXX. I emailed and called multiple times to no avail. Always an offshore call center and difficult to understand.

Citi lost my mom 's death certificate and failed to disburse the RMD by XX/XX/XXXX. 

Here it is XX/XX/XXXX and I still have no paperwork to evidence the inherited IRA has been established. I only have a plan number. Incidentally, when I called in XX/XX/XXXX to find out the status of the IRA, the call center messed up and gave me my brother 's plan number in error. Thus, Citi divulged customer information to a non-account owner. 

I called Citi XX/XX/XXXX and was told I will never be able to access this inherited IRA online and will always have to call if I want to do anything with it. Citi claims to have mailed me a statement on XX/XX/XXXX. It has not yet arrived. 

Citi has a terrible beneficiary process, and they hold onto the money as long as possible. They failed to distribute the RMD after multiple requests on my part, the call center associates are extremely difficult to understand, hold times are ridiculous, they lost my mom 's death certificate, and they do not provide a way to access the inherited IRA details online. Everything is a phone call and snail mail. It took 3 months for the beneficiaries to have the IRAs set up, and we can't even access the accounts on our own. SCAM!

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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
I had a financial hardship beginning in XXXX. I have been able to maintain several accounts but have fallen behind on some. There are two companies that call up to 10 times a day. Mariner Finance and XXXX XXXX XXXX. It is excessive and threatening. They constantly harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: NJ

Complaint narrative:
In XXXX, we applied for a mortgage forbearance with Shellpoint due to a loss in employment. At the time of application, we were advised that our post-forbearance payment would reflect a significantly lower interest rate and that any missed payments during forbearance would be added to the back of the loan and not treated as delinquent or immediately due. We relied on these representations when entering forbearance.

Since then, Shellpoint has failed to provide written confirmation of the forbearance terms and has given inconsistent and conflicting information regarding our loan status, payment amounts, and next steps. Payments, fees, and interest appear to have been applied in a manner that does not align with what was communicated to us. 

We have made numerous attempts to resolve these issues through scheduled calls and escalations dating back to XXXX. Multiple appointments were missed by Shellpoint without notice or follow-up. On XX/XX/XXXX, we specifically requested escalation due to the lack of resolution. During that call, we were advised that a supervisor had been contacted and that we would receive a callback at approximately XXXXXXXX XXXX. No call or follow-up email was ever received. We were also informed that representatives are not permitted to send follow-up emails, preventing us from obtaining written confirmation of our loan terms or escalation requests.

Most concerning, despite being in forbearance and actively seeking resolution, we were sent pre-foreclosure paperwork by mail. Receiving pre-foreclosure notices under these circumstances has caused significant confusion and distress and raises serious concerns about improper servicing and loss-mitigation handling.

As a result of these repeated communication failures and servicing inconsistencies, we remain unable to clearly understand our loan status or resolve the account despite repeated good-faith efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Kickoff LLC for reporting a fraudulent account that could not legally have been opened due to active fraud protection on my credit file. 

I placed fraud protection and identity theft safeguards on my credit beginning XX/XX/year>. As of that date, no new credit cards, loans, or accounts could be opened without enhanced verification and my direct authorization.

Despite this protection, Kickoff LLC is reporting an account under my name that I did not open, authorize, or consent to. The existence of this account directly contradicts the active fraud alert and identity theft protections already in place, making this reporting inherently inaccurate and unlawful.

Kickoff LLCs continued reporting violates federal law, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 Requires consumer reporting agencies and furnishers to block information resulting from identity theft, not merely investigate it FCRA 1681s-2 ( b ) Requires furnishers to correct or delete inaccurate information after notice Fair and Accurate Credit Transactions Act ( FACTA ) Strengthens consumer rights to immediate blocking of fraudulent accounts Because fraud protection was already active, this account should never have been opened, reported, or maintained. There should be no Kickoff LLC
accountopen, closed, or historicalassociated with my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Many month ago, I was notified by law enforcement that I had been ( and was ) the victim of idenity and mail fraud/theft. I was then advised to closely review all of my financial accounts. Upon reviewing the charges to my Citibank Mastercard, I located the following charge : XXXX. Merchant Name ( as shown on statement ) : XXXX XXXX XXXX Disputed Amount : {$47.00} Date of Charge : XX/XX/year> I immediately disputed the charge. However, Citibank never acknowledge my dispute of this particular charge. As of the date I submit this complaint, Citibank has still failed to ever acknowledge this particular dispute. Months after disputing the charge, I transmitted written correspondence to Citibank regarding this particular charge. Despite transmitting this written correspondence, I never got any response from Citibank. Several weeks later, I submitted additional written correspondence to Citibank and this, like my prior correspondence, was transmitted via email and was physically delivered by the United States Postal Service. I do have copies of the delivery confirmation. Despite transmitting this written correspondence, I never got any response from Citibank. I have spoken with this merchant multiple times and the merchant is ready and wants to refund me but, despite me submitted my dispute and despite my multiple letters, Citibank has NEVER contacted the merchant. 
THE FACT THAT CITIBANK HAS STILL NEVER CONTACTED THE MERCHANT IS UNBELIEVABLE HE MERCHANT WANTS TO REFUND ME BUT IS WAITING ON CITIBANK and the l for the company just reiterated this to me again. This is very improper and CITIBANK SHOULD BE SANCTIONED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
I am a Florida homeowner who financed a solar panel system through Sunlight Financial. The system was installed in XXXX  but did not function properly for approximately one year. The solar installation company went out of business, leaving the system defective and unsupported.

An independent technician confirmed the system is undersized and does not meet the representations made at the time of sale. Despite this, the lender continues to require full payment for a non-performing system.

At the time of sale, I was told that during hurricanes or power outages I would not be without electricity.I was not informed that a battery backup was required for this functionally, and no battery was ever installed. I later learned that without battery the solar system does not provided power during outages, wich was never clearly disclosed to me.

I believe this constitutes deceptive trade practices, misrepresentation, and financing of a defective product. I am requesting assistance and investigation.

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