vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
I am filing this complaint regarding an unresolved XXXX insurance refund owed to me by Huntington National Bank. 
Huntington has stated that my original XXXX insurance refund check was mailed months ago ; however, I never received it. After reporting that the check was never received, I requested that the refund be re-issued and mailed to a new address.

According to Huntingtons records, they claim a new request was submitted on XX/XX/2025, with an estimated processing time of up to 45 days. It has now been more than XXXX  days, and I have still not received the refund, nor have I been provided with proof that the check was re-issued or mailed. I have even been told multiple times that the check was resent and told it would be delivered by XX/XX/2025, then told it would be delivered mid XXXX. 

I also dispute Huntingtons assertion that the re-issue request was first made on XX/XX/2025. I am confident that I contacted Huntington prior to that date to report the missing check and request a replacement. This raises concerns about inaccurate record-keeping and internal handling of my request. 

I have contacted Huntington numerous times by phone seeking updates and escalation. During these calls, representatives are unable to locate notes from prior conversations, can not identify the previous representative or supervisor I spoke with, and provide inconsistent or contradictory information about the status of my refund. Each interaction results in a different explanation, with no documented continuity or accountability. 

Despite repeated attempts to resolve this issue directly with Huntington, I have been unable to obtain a clear answer, documentation, or a resolution. Requests to speak with supervisors or managers have not resulted in meaningful action. I waited for XXXX minutes this morning.

I am requesting that Huntington : 1. Conduct an immediate and thorough investigation into the status of my XXXX insurance refund 2. Provide written confirmation of whether and when any refund check was issued or mailed 3. Promptly issue and deliver the refund without further delay 4. Address and correct deficiencies in internal documentation and customer service record-keeping related to my case This matter has exceeded a reasonable timeframe, and Huntingtons failure to properly document communications or provide consistent information has caused unnecessary stress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lefkoff, Rubin, Gleason, Russo & Williams, P.C.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a debt collection letter from XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, identifying themselves as a debt collector attempting to collect an alleged credit card debt purportedly owed to XXXX XXXX XXXX, XXXX. 

The letter asserts a balance of {$28000.00} allegedly owed on a XXXX XXXX credit card account ending in XXXX, stating that no interest, fees, or payments have occurred since XX/XX/XXXX. However, the letter provides no documentation substantiating : the accuracy of the stated balance the legal basis for the amount claimed a complete account history proof of the collectors authority to collect proof of assignment or ownership of the alleged debt The notice contains only a conclusory statement of an amount owed, without itemization sufficient for verification, and without evidence that the amount complies with applicable law or the underlying card agreement. 

I dispute the validity and accuracy of this alleged debt and the amount claimed. I am concerned that the collector is attempting to collect an unverified or inaccurately stated debt, in violation of federal consumer protection laws. 

I am requesting regulatory review and intervention to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692e and 1692f, which prohibit false, deceptive, misleading, or unfair debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
We applied for mortgage loan assistance in XX/XX/year>. The company repeatedly asked follow up questions and for additional documentation for the next XXXX  months. I sent a formal letter requesting them to consider our application complete and they instead sent a letter confirming I withdrew our application for mortgage assistance. I replied via email that I did NOT want to withdraw my application. However, it has been more than XXXX days and we havent heard anything from the company. We have been able to pay the mortgage successfully, but the practice of continually asking questions to prevent borrowers from accessing mortgage assistance is unethical and needs to be limited to a certain period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
CAINE & WEINER has harassed me about this account that I didnt open with them they have no written paperwork or documents showing that I have done business with them. They have called me over and over again after I have asked them to send everything through XXXX XXXX. and I never received anything. they put this on my report in XX/XX/year> in the amount of {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
Product : Auto loan Issue : Problems with fees/ payment processing Company : Santander Consumer USA I am disputing Santander Consumer USAs servicing of my auto loan due to improper application of payments, undisclosed miscellaneous fees, and unclear late fee assessments. Multiple payments were applied entirely to interest or categorized as miscellaneous fees without itemization or contractual explanation. I have submitted a written dispute requesting a full payment allocation history and fee justification. I am seeking correction of improperly applied payments, fee reversals, and account re-amortization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a loan with CareCredit and it was approved with monthly installments of XXXX, payable over XXXX months with no interest ( they set the installment amount ). In XXXX, my payment suddenly increased from XXXX to XXXX, and they added XXXX in interest because I hadn't paid off the XXXX loan. But they were the ones who set the XXXX installment. If they had told me the installment was XXXX or XXXX to pay off the XXXX loan, I would have accepted, of course. But they set the XXXX installment to deceive people and charge them such exorbitant interest rates. On top of everything, they're charging me an additional XXXX in monthly interest.

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 2026-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
We received notice referencing past due debt held by Suntrust related to property. The letter used my address the but name was an unknown person. I called Truist ( new name for Suntrust ) fraud dept and they said take it to a local branch. I did that and branch said to call fraud dept! Since I have no account at that bank they wound not help. I ask if they could do a customer search using my address to see if it had be fraudulently used. They refused to do that due to privacy concerns

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, initiated a wire transfer from my account to another financial institution into another financial institution where the account is owned by me. Shortly thereafter, I received a fraud alert email and called, as directed. During the call, all requested information was provided, including a scan my identification. Shortly after, the representative informed me that there is a XXXX hold to validate the information and there could not be anything done to expedite or override. Accordingly, the representee informed me that accounts would be unable to be accessed until XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone submitted a Capital One credit card application and is trying to do fraud under my name. I never authorized this inquiry or attempted to get a capital one card. This transaction was done XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a debit card fraud and identity theft claim. 

I reported unauthorized debit card transactions totaling {$11000.00} in the initial claim with {$37000.00} of additional charges that were to be added on, related to identity theft. I submitted extensive supporting documentation, including XXXX police reports and an FTC Identity Theft Report, all of which explicitly state that I did not authorize these transactions and did not have possession of my card at the time. 

My claim was escalated for review. However, within approximately XXXX business day, Bank of America denied the claim without conducting a meaningful investigation. The denial letter ( dated XX/XX/year> ) states that the transactions were authorized by you or made by someone who has permission to use the card or account, but no evidence was provided to support this conclusion. 

Bank of America did not acknowledge or address : The police reports documenting identity theft The FTC Identity Theft affidavit My sworn denial of authorization Any merchant investigation or proof of authorization Instead, the decision appears to rely solely on the age of the transactions and an unsupported assumption based on spending patterns, rather than factual evidence. 

After speaking with a Bank of America representative, I was informed that the claim was reopened before it was officially closed, indicating that the initial denial was premature and incomplete. Despite this, the denial letter was still issued, creating confusion and demonstrating a lack of coordination and proper review. I am concerned that Bank of America failed to comply with its obligations under Regulation E by denying my claim without properly investigating documented identity theft and without addressing the federal and legal documentation I provided. 

I am requesting CFPB assistance to ensure Bank of America conducts a good-faith investigation, properly considers the identity theft documentation, and corrects its handling of this claim and refunds the money lost.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am filing a complaint regarding Chimes handling and denial of my fraud dispute involving XXXX transactions totaling {$5000.00} sent on XX/XX/scrub>XXXX XXXX XXXX 

These transactions resulted from a law-enforcement impersonation scam. I was coerced by individuals falsely claiming to represent the XXXX Department of Justice and the United States XXXX XXXX and was sent fabricated legal documents, including a false arrest warrant. I was threatened with immediate arrest if payment was not made. 

Chime denied my dispute based solely on login, authentication, and transaction processing history, treating the payments as authorized. This determination fails to address the coercive nature of the fraud. Authorization obtained through impersonation, threats, and duress is not informed or voluntary consent. 

I did not receive any goods or services in exchange for these payments. Once I realized the fraud, I immediately secured my accounts and reported the transactions in good faith. 

I am requesting that Chime be required to reopen and fairly reevaluate my claim under fraud-by-impersonation and coercion standards, rather than relying exclusively on authentication data, and to provide reimbursement or a detailed policy-based justification for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
The company/bank is asking for a debt that I do not own. The company has called me at work and mailed my family letters attempting to collect a debt not owed and stating laws and giving threats.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: OR

Complaint narrative:
Jefferson Capital LLC sent a text message to my landlord on his cell phone. Ive never been associated with him in any way other than renting XXXX of his properties. The woman even spoke to him and told him she was attempting to collect a debt from me and he told her I should not be talking to him. He then reached out to me concerned about my finances. How is this legal???

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I requested the trustee transfer form to transfer funds to my new employers HSA and uploaded it per optums instructions as well as turned the form over to the branch of the new financial institution. The upload was completed XX/XX/XXXX, I continued to follow up weekly to confirm receipt of the uploaded document, a representative said they couldnt escalate the issue of non receipt because it wasnt after the 10 day turnaround quoted as XX/XX/XXXX because of the holiday XX/XX/XXXX. I reached out on XX/XX/XXXX to confirm receipt of the trustee transfer form and they couldn't locate it, I escalated again and uploaded the form again. I received a call back and closure email with no resolution on XX/XX/XXXX funds are still in the account. I called XX/XX/XXXX and escalated again to manager to confirm receipt of the form. No resolution or timeframe on when my funds in an amount over XXXX would be released to the new trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: FL

Complaint narrative:
I was sent an email yesterday regarding a XXXX account that is not mine. I have not had an active XXXX  account in over 17 years., I do not know anything more about this collection than just the initial email that was sent to me yesterday. I have not received any communication directly from XXXX regarding this supposed debt. Credit control LLC is showing a balance of {$500.00} on a {$120.00} outstanding debt from XXXX XXXX which is absolutely XXXX. Credit control LLC does not have any personally signed documents or proof of ownership beyond a statement from XXXX from four years ago.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
A collection company named southwest credit LP appeared on my credit report in 2025, stating they are the original debtor for an amount of XXXX which happened on XX/XX/year>2025, I disputed it several times with XXXX XXXX and the resolved came back as XXXX canceled. I prefer not to contact this creditor because I dont trust them, ( southwest ) and XXXX  has no info on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Landlord told me to pay XXXX for the security deposit and XXXX for the XXXX months rent. XXXX XXXX XXXX XXXX I sent the money. After that he called and said XXXX for locks to be removed. At XXXX XXXX  I sent XXXX. Called the housing line and the landlord does not exist for the house. I called the police and then called Chime. The next day it was denied. The landlord scammer texted me saying he would give me my money back and that I still needed to pay XXXX for HOA fees. This was not a legal or legitimate sale and I thought it was. The man has not sent me my money and chime had denied the claim- I really need and want my money back. I was just trying to get a new home for me and my daughter. There was a lease and everything, just not real

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

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

Company public response: Company 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 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a debt collection letter from XXXX, XXXX, XXXX, XXXX & XXXX, XXXX, identifying themselves as a debt collector attempting to collect an alleged credit card debt purportedly owed to Wells Fargo Bank , N.A . 

The letter asserts a balance of {$28000.00} allegedly owed on a Wells Fargo credit card account ending in XXXX, stating that no interest, fees, or payments have occurred since XX/XX/XXXX. However, the letter provides no documentation substantiating : the accuracy of the stated balance the legal basis for the amount claimed a complete account history proof of the collectors authority to collect proof of assignment or ownership of the alleged debt The notice contains only a conclusory statement of an amount owed, without itemization sufficient for verification, and without evidence that the amount complies with applicable law or the underlying card agreement. 

I dispute the validity and accuracy of this alleged debt and the amount claimed. I am concerned that the collector is attempting to collect an unverified or inaccurately stated debt, in violation of federal consumer protection laws. 

I am requesting regulatory review and intervention to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692e and 1692f, which prohibit false, deceptive, misleading, or unfair debt collection practices.

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