vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
On XX/XX/year>, my hazard insurance policy lapsed due to an administrative oversight. I secured a new private policy effective XX/XX/year>, resulting in a 29-day gap. My mortgage servicer, Mr. Cooper, has updated their records to acknowledge my new coverage but is attempting to charge me {$910.00} for the 29-day gap. They stated this is based on an annual premium of {$11000.00} from XXXX XXXX XXXX. I am disputing this charge based on the following : Excessive Markup : My standard market premium for this property is {$2000.00} per year. The lender 's rate of {$11000.00} is nearly 6 times the market rate and is not " bona fide and reasonable '' as required by RESPA Regulation X. Predatory Calculation : A charge of {$910.00} for 29 days is unreasonable for a standard hazard policy on an $ XXXX home. The servicer claims they " do not look at home-related items '' when pricing, which leads to arbitrary and predatory costs. Attempted Resolution : I have submitted a formal Notice of Error via certified mail to Mr. Cooper 's XXXX office. Despite this, they continue to threaten my escrow account with this inflated charge rather than pro-rating it to a reasonable market rate ( approx. {$160.00} for the month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please see attached, RE : XXXX099-C and 1099-A, XXXX XXXX account # XXXX XXXX JPMorgan Chase Bank Accepted for value and returned for value in exchange for settlement, closure and zeroing of the account. Please correct the errors in your records. I'm the one who's assessing the value of the taxes and my records show that you owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MD

Complaint narrative:
Repayment of Student Loan From Supplemental Security Income and Unfair collection Practices by Sallie Mae .The loan amount is {$290000.00} I am filing a formal complaint against Sallie Mae and its collection attorneys regarding collection practices and payment of student loan from my protected federal benefits. At the age of two I was diagnosed with XXXX which has not allowed me to function properly and my sole income at XXXX XXXX XXXX is Supplemental Security Income ( SSI ). This fund is federally protected under the law. Despite the legal protection, Sallie Mae has caused my SSI to be taken from my bank account. This action has caused severe financial hardship, as this fund is necessary for my basic living expenses including housing, food, and medical care. I tried everything to prove beyond reasonable doubt that I am XXXX. Sallie Mae issued loans to me for a University Program designed for individuals with disabilities at XXXX XXXXXXXX XXXX XXXXXXXX XXXX. At the time the loans were made, my disability status was known or should have been known. I did not have the financial capacity to repay this loan, and I believe the lending and subsequent collection practices may constitute unfair, deceptive, or abusive practices. Sallie Mae has now escalated the matter to attorneys who are attempting to collect from both me and my parents ( co-signers ), further compounding the harm. I am therefore requesting a full investigation into Sallie Mae lending and collection practices in my case with a consideration of discharge or settlement of the debt based on my permanent disability and inability of me and my parents to pay .This situation has placed me and my parents in extreme financial distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One put my new credit card into restricted mode since 3 weeks ago. I called them and they said they were trying to do some verifications and asked me to send my driver license and a bank statement showing my full address. So, I did send the documents many times. I had all the confirmations ( see attached ) showing I uploaded/submitted the requested documents in Capital One website many times. When I called and spoke to the agents, I got different answers from different agents. One time they said we didn't get your driver license, and another time another agent said we didn't get your bank statement. Last week another agent said Capital One kept having issues with their system, that's the reason they could not process all the documents that I have submitted the last 3 weeks. As of today XX/XX/year> I have spent great amounts of time by calling and submitting the documents ( see attached ). Capital One is absolutely a ridiculous mom-and-pop type of company. They approved me for a new card on XX/XX/year>, and I have started using the card since then. All of the sudden they put my card into restricted mode ( not available for use at all ) and told me that they need to do a verification. This completely does not make sense and clearly pointed out Capital One 's amateur customer service. I totally lost when Capital One tried to do verification a week later after approving me for a credit card, and to make it the worst is Capital One could not complete their own verification process after 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally report fraudulent activity on my account and to request that my legitimate account not be closed, suspended, or deleted as a result of this fraud. I am the rightful account holder and have been a victim of unauthorized activity that I did not initiate or authorize. A fraudulent account or fraudulent transactions have been associated with my account without my knowledge or consent. I am deeply concerned that my legitimate account may be penalized, restricted, or deleted due to activity that I had no part in. I am requesting that the Consumer Financial Protection Bureau take note of the following : 1. I am the verified, lawful account holder in good standing. 2. The fraudulent activity on my account was conducted without my authorization. 3. I have reported this fraud to my financial institution and have taken steps to protect my account. 4. I am requesting that no adverse action including account deletion, suspension, or negative reporting be taken against my legitimate account as a result of this fraudulent activity. I respectfully ask the CFPB to investigate this matter and ensure that my rights as a consumer are protected. I am prepared to provide any supporting documentation, including account records, communication with my financial institution, and any fraud reports I have filed. Thank you for your attention

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
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 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 2026-04-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit Acceptance : Car on my credit the car didnt work I only had it for two weeks and have to take it back they kept it for 2 weeks just to clear the code and I had to bring it back two weeks later its hindering me for getting my own place to stay

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
well, I went to go get a car from XXXX of XXXX. I talked to a guy named XXXX. He said yeah Ill get you in the car, etc. so when they came back with the XXXX XXXX, I immediately knew it was wrong. He said my score was at XXXX. I said no my score is at XXXX and commenced to show him my actual score for auto. He didnt left a couple times came back stated that this is what Regional acceptance corporation has gave him and I stated again this is wrong showed it to him. He said well I dont know what how they got the score. He said Ill be right back when there he was gone for about an hour. He came back as he stated they will take care of it. He said it takes about two months to come out. Your payment should go down to round about {$400.00}. I said OK but as we all know, it was just a deceptive tactic to get me in the car, which is illegal.

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 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I applied for a short term loan. Was approved. Never received the funds. They put it in an account thats did not match what I gave them. I talked to them several times and sent them several copies of deposits. I dont know where they sent it but it wasnt to me. If they changed the account or routing number thats not my fault. They have now sent me to collections over money I never received after I proved multiple times I never got any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: IL

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
Subject : Complaint against Hyundai Motor Finance Failure to provide required post-surrender notices and dispute of deficiency balance. On XX/XX/year>, I voluntarily surrendered my vehicle ( XXXX : XXXX ) to Hyundai Motor Finance. XXXX XXXX XXXX XXXX came to pick it up on XX/XX/year>. Since my last communication on XX/XX/year>, I have received no further correspondence, notices of intent to sell, or an accounting of the sale as required by XXXX law. Under XXXX XXXX XXXX, a lender must provide timely notice of the vehicle 's disposition and a detailed accounting of any remaining balance. Because Hyundai Motor Finance has failed to provide these mandatory disclosures, I am disputing my responsibility for any alleged deficiency balance. I am requesting that Hyundai Motor Finance : 1.Provide a full accounting of the vehicle 's sale status. 2. Cease any collection efforts regarding a deficiency balance due to failure to provide legal notice. 3. Ensure no negative information regarding this deficiency is reported to credit bureaus while this is in dispute Legal Basis for Dispute : I am disputing the deficiency balance pursuant to XXXX Code, Comm. Law 12-1021. Specifically : * Violation of 12-1021 ( e ) : I have not received the mandatory written notice within 5 days of surrender. Violation of 12-1021 ( j ) : I have received no notice regarding the time and place of the sale of the collateral. Under XXXX Commercial Law 12-1021g ) ( 4 ), the failure to provide these mandatory notices bars the credit grantor from seeking or collecting any deficiency balance. I request that Hyundai Motor Finance update my account to a XXXX balance and cease all collection activity.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am submitting a third follow-up complaint regarding the accuracy and verification of this account. XXXX XXXX has stated that it has completed its investigation and believes the information being reported is accurate. However, no documentation or itemized verification has been provided to substantiate the debt, the balance, or the reporting history. My complaint is specifically about the lack of meaningful verification of this account as required under the Fair Credit Reporting Act. A statement of accuracy without supporting evidence does not satisfy the requirement to ensure that all reported information is complete, accurate, and fully verifiable. I am requesting a full validation of this account, including : * Proof of the original creditor * Complete payment history and ledger * Detailed breakdown of the balance * Documentation showing legal authority to collect If the company can not provide full and verifiable documentation supporting this account, I request that the information be corrected or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect 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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I bought a WF Cashiers check drawn on my WF checking account and they transferred via deposit to another WF account holder ; the transfer was specified for " Investment ''. On XX/XX/XXXX, after realizing that the promises were proving false, I went to the very same WF branch to make Complaint/Claim. I was to receive word from WF within 7 to 10 days. Nothing. On XX/XX/XXXX, as I returned to XXXX, CA, I travelled back to the same WF branch once again. The bank Manager met with me. He submitted an Escalated Complaint and then at my insistence had me speak to a woman who said she was to submit a Claim. The bank manager repeated several times that because I had transferred a check voluntarily and the check was negotiated, there would be no responsibility. He verified that the account holder name I was given was still showing. He said that this was a bank and they are not able to give me any contact emails or phone # s for WF nor any copies of the Complaints or the Claim ; that I would just have to wait for them to contact me. My response was that their account holder committed investment fraud and they owe me a duty to investigate and alert me, their WF customer of fraud. I provided all information to them on XX/XX/XXXX and XX/XX/XXXX and again on XX/XX/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 2026-04-27 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: NY

Complaint narrative:
Complaint against Capital One regarding account closure and forfeiture of rewards and travel credits I am filing a complaint against Capital One regarding the abrupt closure of my account and the forfeiture of a substantial amount of rewards and travel credits, which I believe is unjust and may violate applicable law. Capital One closed my account in XX/XX/year> ( during the week of XX/XX/year> ) without providing a clear or adequate explanation. While there was a returned payment on my account several months prior, no action was taken at that time, and my account remained open and in good standing afterward. This raises serious concerns as to why the account was closed much later, without warning, and without any new triggering event being identified to me. At the time of closure, I had accumulated approximately {$1000.00} in rewards points, as well as approximately {$300.00} in travel credits. When I contacted Capital One on XX/XX/year>, I was informed that I would not receive any of these funds. No clear justification or contractual basis for this forfeiture was provided. This represents a total loss of approximately {$1300.00} in earned value. These rewards and credits were accumulated through legitimate use of my account, and I did not engage in any activity that would reasonably justify forfeiture. The removal of these funds appears arbitrary and highly unfair. I am particularly concerned that this action may violate New York state law regarding the treatment of earned rewards upon account closure. Despite raising this concern directly with Capital One, they refused to return or compensate me for the value of my points and credits. Furthermore, the timing and nature of the closure raise concerns that it may have been driven by internal business considerationssuch as the level of rewards earnedrather than any misconduct on my part. Resolution requested : Immediate reimbursement of the full value of my rewards points ( approximately {$1000.00} ), Reimbursement of my travel credits ( approximately {$300.00} ), and A written explanation detailing the specific reason for account closure and the legal or contractual basis for forfeiture of my rewards and credits. If Capital One can not provide a valid and lawful justification for this forfeiture, I request that the full value be restored to me without delay. Sincerely, XXXX

Company response to consumer: Closed with monetary relief