vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We requested a payoff amount for our line of credit from Huntington Bank in XX/XX/XXXX. We relied on the payoff figure provided by the bank at that time and made payment based on that payoff information. Our understanding was that payment of the quoted payoff amount would satisfy the loan. 

After the payoff, Huntington later instructed us to submit a written request to close the account and to pay a lien release fee. We submitted the written closure request as instructed and paid the {$49.00} lien release fee on XX/XX/XXXX. 

Despite the payoff and closure request, Huntington has failed to properly close the account and release the lien. Instead, after the payoff, the bank created new activity on the account and began showing new balances and payment demands.

Specifically : The account was paid off based on a payoff amount provided by Huntington. 
The lien release fee of {$49.00} was paid on XX/XX/XXXX. 
After payoff, online banking initially showed a negative XXXX XXXXXXXX XXXX, Huntington posted an escrow advance and a tax-related disbursement and then converted that amount into a balance on the credit line. 
The banks system now shows a beginning balance of approximately {$2800.00}, a minimum payment due of over {$2000.00}, and a payment due date, even though the account was paid off and a written request to close the account was submitted. 
The balance continues to change month to month.

We also received a Home Ownership Counseling / delinquency-style notice showing an amount due Huntington previously paid property taxes while the account was active and included escrow-related amounts in our regular payments at that time. When we requested the payoff in XX/XX/XXXX, these escrow and tax-related items already existed and should have been included in the payoff figure provided by the bank.Despite this, Huntington later posted an escrow / tax advance dated XX/XX/XXXX, then converted that amount into a balance on the credit line.

Huntington is now showing an active balance, generating statements, and demanding a minimum payment on an account that was paid off and requested to be closed. 
We dispute the creation of any balance after payoff and dispute any claim that additional amounts are owed. This appears to be a loan servicing and escrow accounting error, including misapplication of escrow advances and failure to properly close the account after payoff and written closure

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 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: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I am filing a complaint regarding SoFi Banks handling of an unauthorized charge and repeated denial of my dispute without providing any supporting evidence. 

I booked a XXXX stay at the XXXX XXXX XXXX XXXX through a third-party company, Endless Luxury for {$200.00}. At check-in, the XXXX mistakenly charged my card over {$600.00}. The hotel admitted the error and issued a refund. I notified SoFi at that time and the matter was resolved. 

I properly checked out of the hotel by returning the room keys. I did not authorize any additional charges after checkout. 

However, on XX/XX/year>, a charge of {$260.00} from XXXX XXXX XXXX XXXX appeared on my account. At that time, I was no longer in XXXX and had already completed my stay. This was a card-not-present transaction, and I did not provide my card, PIN, or signature for any additional charges. 

I reported the transaction as unauthorized and submitted all requested documentation. Despite this, SoFi has denied my dispute XXXX times. They have : Failed to provide any proof that I authorized the charge Failed to provide a signed receipt, folio, or authorization form Failed to explain how a card-not-present transaction was verified as mine Failed to conduct a reasonable investigation as required under Regulation E Simply stating that a charge is authorized without evidence does not meet the requirements of a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around XX/XX/year>, Chase implemented major changes to the Chase Sapphire Reserve Ultimate Rewards redemption/value rules. I have held this card for maybe XXXX years. The change materially reduced the value of points I had already accumulated across my chase accounts ( approximately XXXX points ), by roughly one-third, causing substantial financial impact. I escalated the matter to Chase Executive Office and there was an earlier Executive Office escalation during which Chase restored the value of most of my points. 
I later escalated again under Executive Office reference XXXX. Executive Office, including a representative named XXXX, declined to re-evaluate the remaining points described below : Approximately XXXX points were excluded and not restored ( screenshot attached ). Chase stated these points were ineligible because they were transferred/combined into my Sapphire Reserve rewards balance too late. These XXXX points were transferred via XXXX transfers, and the timing was only about XXXX week later than prior transfers that Chase did restore. Critically, Chase performed the re-evaluation/restoration process without providing me clear, advance, actionable notice of any re-evaluation window, deadline, or eligibility criteria tied to the timing of transferring/combining points. Because I was not notified before the action occurred, I could not take steps to ensure these points would be treated consistently. When I requested re-evaluation of the excluded points, Executive Office refused my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I applied for an apartment while settling an ongoing debt collection with a prior apartment complex. The debt was paid as of XX/XX/year>. My application was denied the same day the collection balance was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO 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 explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
my report is inaccurate, incomplete, and unfair since collections purchased my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am disputing a {$240.00} balance being collected by TrueAccord on behalf of XXXX. 

I canceled my XXXX advertising through the platform and removed my payment method. I did not authorize any further advertising charges after cancellation. 

I later received notice of a {$240.00} final charge, and the account was referred to collections. 

I requested written confirmation of the cancellation date, a detailed billing breakdown, proof of authorization for the charges, and full validation of the debt. 

As of today, I have not received sufficient documentation confirming that the amount is valid and properly authorized. 

I am concerned about potential collection activity and possible credit reporting while this debt is formally disputed. 

I am requesting that the company provide full validation of the debt and suspend any negative credit reporting until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Second Complaint Repeat Freeze of Protected Funds Under Same Levy related to CFPB Complaint ID : XXXX Summary This complaint concerns repeat freezing of protected Social Security funds under the same active levy previously addressed in CFPB Complaint ID XXXX. 

In that prior complaint, Chase Bank acknowledged that a qualifying deposit was not included during the required two-month lookback account review under 31 CFR 212, governing protection of federal benefit payments from garnishment. 

Less than two months after the prior documented deficiency in its lookback review process, Chase Bank again froze protected federal benefit funds under the same active levy. 

Detailed Evidence The levy from XXXX XXXX XXXX remains active. 
Since resolution of CFPB Complaint ID XXXX, no non-Social Security deposits have been made into the checking or savings account. 
On XX/XX/year>, {$1000.00} was transferred from checking to savings. 
Immediately thereafter, Chase placed a hold on {$480.00} in the savings account. 
Since the prior incident, no non-Social Security funds have been deposited into checking or saving account. 
Every dollar currently in the account consists of Social Security benefit funds. 

Because 100 % of deposited funds consist of Social Security benefits, the held amount represents protected federal benefit funds. 

Regulatory Framework Under 31 CFR 212.5 and 212.6, when a levy is processed, a financial institution must : 1. Conduct an account review during the mandatory two-month lookback period 2. Identify all federal benefit deposits during that period 3. Determine the protected amount 4. Ensure that protected funds remain available and are not frozen or remitted Where all funds in the account derive from federal benefit payments within the lookback period, the entire balance constitutes the protected amount. 

Freezing {$480.00} under these circumstances indicates that the required lookback review was not properly executed. 

Pattern of Repeat Conduct After Notice This is not a new levy.

This is the same levy previously reviewed in CFPB Complaint ID XXXX. 
Chase Bank was already placed on notice regarding deficiencies in its execution of the two-month lookback review for this levy process under 31 CFR 212.

The renewed freezing of protected funds demonstrates failure to properly implement or execute corrective measures following the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Several months ago, I signed up for a XXXX month payment plan which I completed on XX/XX/XXXX. On XX/XX/XXXX, I called Capital One because I noted that my account was still showing two payments behind with a minimum of {$730.00}. The representative that I spoke to advised me that my billing cycle ended XX/XX/XXXX so to wait until XX/XX/XXXX and my account will show current. When I checked my account on XX/XX/XXXX, that did not occur so on XX/XX/XXXX I called Capital One back and the following representative advised me that by XX/XX/XXXX my account will show current. On XX/XX/XXXX, this did not occur, so now on XX/XX/XXXX I called Capital One back, and I spoke to another representative who advised me that XX/XX/XXXX it will show current. I said that can not be the case because my account is still reflecting XXXX payments behind with a minimum of {$730.00} that I am unable to make it this time so I need this rectified. I asked the representative to transfer me to a supervisor. The supervisor that I spoke to advised me to wait until XX/XX/XXXX at XXXX XXXX  and my account will show current. It is now XXXX XXXX  on XX/XX/XXXX and not only did my account not show current but when I called Capital One back and spoke to another supervisor, she told me all she could do was expedite a ticket because she could not see anything wrong with my account on her end and that I need to wait XXXX to XXXX business days for a response. She offered me no alternative and no resolution. This is a grave concern as my payment is due in XXXX business days, which is XX/XX/XXXX and my account is not reflecting the payment plan that capital one signed me up for that I completed in full. I need this rectified and I need my account to be brought to current prior to my XX/XX/XXXX due date because then it will show negatively furthermore on my credit because I can not make the minimum payment and my account is still showing past due. 

My concern is not only was this payment plan not honored once completed in full by their requirements but now subsequently my account was not brought current and my minimum is more than I could pay which is why I started this payment plan option end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.

Complaint narrative:
I Purchased my XXXX XXXX monthly plan & noticed there were two auto loans on my credit bureaus that I knew nothing about. I would like these two accounts to be immediately removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: SC

Complaint narrative:
On or about XX/XX/year> we requested a detailed breakdown of a medical billing collection letter received from Capio Partners. Emails were sent to both XXXX and XXXX ( as provided by Capio ). 

As of XX/XX/year>, we have not received this breakdown and can neither confirm its authenticity nor submit to our medical insurance provider for payment consideration. 

This is an attempt to ensure Capio Partners does not attempt to take action against us for non-payment. 

* The initial bill from the hospital was sent to an inaccurate address that has been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
In XX/XX/year>, my XXXX was stolen while I was working as a XXXX driver. A passenger took possession of the phone during the trip and fled the vehicle. The theft was immediately reported to local law enforcement ( Police Report XXXX. XXXX ). 

Shortly after the theft, unauthorized XXXX XXXX / Apple Card transactions totaling approximately {$6100.00} began appearing on my account. These transactions were not initiated, approved, or authorized by me, and I did not benefit from them in any way. 

I took immediate steps to secure my financial accounts and later reported the Apple Card fraud to Goldman Sachs ( issuer of Apple Card ). I provided a police report, supporting documentation, and fully cooperated with the investigation. 

Despite clear evidence that the device was stolen and the transactions were unauthorized, the dispute was denied without a detailed written explanation of the evidence relied upon to determine that I was responsible. 

The account has now been placed in charge-off status, even though the charges have been disputed as fraudulent since 2024. Reporting or attempting to collect on disputed fraudulent charges may violate the Fair Credit Billing Act and the Fair Credit Reporting Act. 

I am requesting the removal of all unauthorized charges, correction of the account status, cessation of any collection activity, and written confirmation that no negative credit reporting will occur related to these fraudulent transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I when to Capital one located on XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX United States. To Deposit {$1000.00} cash to my checking account. Immediately I open my account application through my phone and the money was not deposited. I deposited the money around XXXX XXXX so I wait for the bank open and call to explain why my money was not deposit. They open a claim and credit the money but know they are saying that I only enter my ATM Card and they dont have any records of the cash. My account is negative now and they refuse to provide me the security footage of the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX I contacted XXXX for a issue and called them from a number I received on line. Little did I know that ( XXXX ) was a fraudulent number. These individuals gained access to my mobile device under the guise of technical support and made gift card purchases with my XXXX XXXX and numerous foreign transactions where money was sent via PayPal. They even applied for a debit XXXX which I never authorized. I immediately called Paypal in early XXXX and sent two detailed letters to their offices in XXXX XXXX and XXXX, of which I have proof of delivery. My PayPal account states I have a negative balance of {$1500.00} of which I receive calls and texts about resolving the negative balance. I have sent a letter from XXXX XXXX  to XXXX stating that they certified that these gift card charges related to my XXXX XXXX were fraudulent and that I am not responsible for them. I have also sent them a copy of the identify theft report I filed. Under the Fund Transfer Act ( Regulation E ) for Fair Credit Billing using a XXXX that I never authorized or applied for. Since I did not authorize any of the transactions on my PayPal account I am invoking PayPals Zero Liability policy for unauthorized tranasctranasctions.. I am requesting that any charges leading up to the Negative PayPal balance of {$1500.00} be cleared from my account with no financial responsiblity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoba Legal Group, PLLC.
State: PA

Complaint narrative:
I want to start by saying I was contacted by XXXX XXXX XXXX about a debt consolidation, so they started by offering to consolidate my credit debt under XXXX debt that I could pay off both debts in XXXX payment. They contacted me XX/XX/year> as of that day I started paying them from my bank account in the amount of XXXX a month. For XXXX  months I was called in XX/XX/year> from city bank that my debit went in to collections date effective XXXX XXXX XXXX legal group was not paying the debt they were taking the money so then I started paying the bank directly. I never got payment back from XXXX, even showing them the bank statement statements of all the payments made to XXXX XXXX XXXX I want them to acknowledge their fraud that was done against me by XXXX XXXX XXXX and I want my funds returned to my bank account and my credit restored. And payment of total amount of {$2900.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In XX/XX/year>, I renewed my lease with XXXX XXXX. As part of the lease renewal agreement, the dealership agreed to cover my last XXXX lease payments. 

The dealership issued a check to Genesis XXXX  Finance in the amount of {$1200.00}. Documentation provided by the dealership shows the check was paid and posted on XX/XX/year> and deposited with XXXX Bank XXXX. 

Despite this, Genesis Motor Finance did not apply the payment to my account and instead charged me directly for those payments, totaling {$1200.00}. 

When I contacted Genesis XXXX  Finance, I was told the dealerships check was reversed. I requested written documentation of the reversal, including a transaction record or payment trace, but Genesis XXXX  Finance refused to provide any documentation. My account payment history does not reflect the dealerships payment. 

I contacted the dealership multiple times. The dealership confirmed the payment cleared and provided proof that the check was paid and deposited. 

I am requesting correction of this internal payment application error and reimbursement of the {$1200.00} that was charged to me in error.

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