vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXXXXXX ( XXXX : XXXX ) from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX deliberately failed to disclose that this vehicle had been declared a total loss by an insurance company in XXXX and had sustained significant flood damage prior to my purchase. This information was intentionally withheld from me in order to complete the sale. XXXX XXXX XXXX then arranged financing through Credit Acceptance Corporation for {$28000.00}, knowingly placing a XXXX person on a fixed income into a fraudulent loan for a worthless vehicle. Shortly after purchase, the vehicle experienced severe and repeated mechanical and electrical failures consistent with flood damage. I had the vehicle serviced multiple times between XX/XX/XXXXXXXX and XX/XX/XXXX but the problems continued. I later confirmed through a VIN history report that the vehicle was totaled by an insurer in XXXX one year before XXXX XXXX XXXX sold it to me. I am a XXXX XXXX XXXX XXXXXXXX individual who lives solely on XXXX income and is unable to work. I have no ability to recover financially from this type of predatory transaction. Despite knowing the true condition of this vehicle, XXXX XXXX XXXX sold it to me anyway, and Credit Acceptance Corporation continues to pursue me for the remaining balance of {$19000.00} on a fraudulent loan for a vehicle that should never have been sold. The loss of this vehicle caused devastating and irreversible consequences to my life. I lost my only means of transportation, my housing, and all financial stability as a direct result of this fraudulent transaction carried out by XXXX XXXX XXXX and financed by Credit Acceptance Corporation. As a XXXX person with no employment income, I have absolutely no means to absorb this kind of financial devastation. I have suffered severe emotional distress, loss of independence, and a dramatically reduced quality of life. I am requesting full cancellation of the remaining balance of {$19000.00}, complete removal of this account from my credit report, and compensation for the pain and suffering inflicted upon a vulnerable, XXXX individual through this predatory and deceptive sale orchestrated by XXXX XXXX XXXX and Credit Acceptance Corporation.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase claims I deposited a check twice. Two different checks, two different check numbers, same amount {$1500.00} Chase removed {$1500.00} from my account two weeks later. Then once I proved that it's two different checks they said a deposit was made at XXXX through an atm and it cleared before my cheese transaction cleared. XXXX has no record of this. The issuing bank, XXXX, has no record of this. XXXX is now investigating. Chase refuses to look into this and investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My M & T accounts have been frozen since XX/XX/XXXX I was not told the reason. I spent hours of my precious time attempting to resolve any issues. As per the instructions given to me online I called the bank right away and after spending 30 minutes on the phone i was told they can not provide any info or assist on the phone My only option was to go into a branch. XX/XX/XXXX i went to the branch in XXXX XXXX NY I was told the freeze on all accounts was placed due to to a specific check deposited in one of my accounts I answered all questions provided all information and i was promised the issue will be resolved or if any more info would be needed they will call me. 2 weeks passed without any progress or contact. XX/XX/XXXX I reached out to a bank manager XXXX, via email about this issue he responded asked me to provide contact info of the person who provided the check and an invoice for the services provided which i did. XXXX called me back XX/XX/XXXX telling me that he verified all my info and that everything was confirmed to be ok. He told me that he will get the accounts unfrozen latest by monday XX/XX/XXXX. As of now XX/XX/XXXX - XXXX weeks after all my accounts were frozen my accounts still remain frozen. I have not heard back from anyone to resolve this. I still dont understand why they froze my accounts they can put that check on hold if they want. Additionally why were other accounts from other entities frozen? Most pressing issue why wasnt it unfrozen at this point or at least provide communication. I have no way of paying my mortgage as the mortgage payments gets withdrawn automatically from my account ending XXXX but my transfer for that money has been returned due to the account being frozen.

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 2026-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing a complaint against Robinhood Financial LLC regarding repeated account restrictions and inability to access my funds. My account has been restricted multiple times over the past several weeks for unusual activity after I used Robinhoods crypto feature to send XXXX. I was given a stated limit of {$5000.00} for crypto transfers, and my transactions were well within that limit. Despite this, my crypto account was suddenly deactivated without clear explanation. Since then, my account has been repeatedly locked and unlocked, with no resolution. Each time I attempt to withdraw my funds, I encounter errors stating that my payment method does not match, even though I am using the exact same card and account used for deposits. I have provided screenshots and proof to Robinhood support, but no action has been taken. Robinhood has now restricted my account again for over 8 days, and I am unable to withdraw my own money. Customer support has failed to provide any meaningful explanation, timeline, or solution. This situation has caused significant financial harm, as I urgently need access to my funds. I have made multiple good-faith attempts to resolve this directly with Robinhood, but they have failed to act. I am requesting : 1. Immediate removal of all restrictions 2. Full access to withdraw my funds without error 3. A clear explanation of the restrictions and repeated failures 4. Immediate closure of my account with full fund disbursement if the issue can not be resolved If this issue is not resolved promptly, I will pursue further regulatory action and legal remedies. Account email : XXXX Full name : XXXX XXXX XXXX amount locked : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I am filing a complaint against Early Warning Services , LLC regarding their failure to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ). I disputed inaccurate information reported in my consumer file related to XXXX XXXX XXXX XXXX. Early Warning responded stating the information was verified as accurate. However, in their written response, Early Warning admitted that they do not have access to the underlying account-level documentation and can not provide copies of records. This directly contradicts their claim that the information was verified. A consumer reporting agency can not verify the accuracy of information without reviewing actual documentation. Instead, Early Warning appears to have relied solely on the furnisher, XXXX XXXX XXXX XXXX, without conducting any independent investigation. Additionally, Early Warning improperly shifted the burden of investigation onto me by instructing me to contact the furnisher directly. This is not my responsibility under the FCRA. Early Warning is required to ensure maximum possible accuracy and follow reasonable procedures. Their response demonstrates : No independent investigation was conducted No documentation was reviewed to verify the information Improper reliance on a third-party furnisher Failure to follow reasonable procedures to assure maximum possible accuracy Because Early Warning has admitted they can not access or produce documentation, the disputed information can not be considered properly verified and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One Auto Finance regarding an inaccurate remaining balance on my auto loan following a total loss and XXXX claim. My vehicle was declared a total loss. Following the loss, the following payments were made directly to Capital One : Insurance proceeds totaling {$20000.00} An additional total loss insurance payment of {$4500.00} A XXXX Total Loss payment of {$5300.00} issued by Safe-Guard Products International ( Check # XXXX, dated XX/XX/XXXX ) Safe-Guard Products confirmed in writing that the XXXX payment fully satisfied the remaining deficiency balance on the loan. Based on these payments, the account should have a {$0.00} balance. Despite this, Capital One continues to report an outstanding balance. I submitted a formal written dispute under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ), specifically requesting a Total Loss Reconciliation Audit and an explanation of how payments were applied. In response, Capital One failed to conduct a reasonable investigation. Instead, they sent a generic response containing a copy of my original purchase contract and a transaction history. This response did not address the substance of my dispute, including : How insurance and XXXX payments were applied Why a balance remains after full payoff Why certain payments ( dated XX/XX/XXXX and XX/XX/XXXX ) were applied entirely to interest and not to principal Whether a total loss reconciliation was performed Capital Ones failure to properly investigate and correct this issue constitutes a violation of the Fair Credit Billing Act and the Fair Credit Reporting Act. This inaccurate balance is also being reported to the credit bureaus, which is negatively impacting my credit profile. I am requesting that Capital One : 1. Conduct a full Total Loss Reconciliation Audit 2. Correct the account balance to {$0.00} ( Paid in Full ) 3. Remove or correct all inaccurate credit reporting related to this account 4. Provide a detailed accounting of how all payments were applied I have attached supporting documentation, including the XXXX payment confirmation and prior correspondence. This matter has not been properly resolved despite multiple attempts to correct it directly with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Shellpoint Mortgage received my new XXXX homeowners policy on XX/XX/XXXX ( I have email confirmation the policy was received ), the policy had a due date of XX/XX/XXXX to avoid cancellation. I called Shellpoint several times to ensure the policy was received and payment from my escrow account would be made. Shellpoint advised they had received the new policy and assured my payment would be made timely. On XX/XX/XXXX, I called XXXX and they had not received payment. At that point I called Shellpoint and XXXX made a 3-way call to XXXX. XXXX advised the policy would cancel at XXXX on XX/XX/XXXX if payment was not made on XX/XX/XXXX. XXXX advised myself and the XXXX agent she could work with her internal finance team to make a credit card payment to avoid the policy cancelling. Shellpoint failed to make payment by credit card, instead Shellpoint overnighted a check for the policy amount of {$2300.00} which was received by XXXX on XX/XX/XXXX but the policy had already cancelled at XXXX that day. XXXX can not reinstate policies due to the policy being less than XXXX XXXX XXXX. XXXX advised there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX. XXXX quoted a new policy which went into effect on XX/XX/XXXX. The new policy premium increased to {$3000.00} for the exact coverages, an increase of {$720.00}. I have spoke to several Shellpoint employees in the insurance department and XXXX, XXXX who was on the call with me on XX/XX/XXXX when the XXXX agent quoted the new policy. XXXX was aware of the increase and told me he would talk to his management and call me back no later than Tuesday, XX/XX/XXXX. Today is XX/XX/XXXX and XXXX has never called me back. I have submitted several documents of information to Shellpoint and asked for reimbursement but have received no response.

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 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
b'BORROWER COMPLAINT & REQUEST FOR RELIEF\nRegarding Federal Student Loans Serviced by MOHELA\nBorrower Name: XXXX XXXX XXXXDate: XXXXSUMMARY OF COMPLAINT\nI am requesting a formal review and relief of my federal student loans due to significant servicing failures by MOHELA. These failures include lack of proper notification, unclear and misleading communication, and failure to provide accurate guidance regarding repayment obligations.\nDespite my consistent, good faith efforts to understand and manage my loans, I was not provided with clear information regarding payment amounts, due dates, or repayment options. This resulted in delinquency, financial harm, and ongoing confusion.XXXXDETAILED TIMELINEXXXX XXXX XXXXI received notification that a payment had been missed. This was my first indication that payments were due, as I had not received prior notice of repayment start, billing amounts, or due dates.XXXX XXXX XXXXI received notice that three payments had been missed, despite my attempts to remain engaged and informed about my loan status.XXXX XXXX XXXXMy Income-Driven Repayment (IDR) application was marked as not approved. I was not provided with any explanation, guidance, or next steps.XXXX XXXX XXXXI received a cascading delinquency notice. By this point, I had made repeated attempts to contact MOHELA and apply for assistance but was unable to obtain clear or consistent information regarding my obligations.\XXXXnSERVICING FAILURES\n\tFailure to provide timely and clear notice of repayment start\n\tLack of clear communication regarding payment amounts and due dates\n\tDenial of IDR application without explanation or guidance\n\tInability to obtain accurate information through customer serviceXXXXRESULTING IMPACT\n\tAccrued interest and delinquency\n\tPotential negative credit impact\n\tFinancial strain\n\tEmotional distress and ongoing uncertaintyXXXXREQUEST FOR RELIEF\nI respectfully request the following:\n\tFull audit and review of my loan account\n\tRemoval or correction of negative credit reporting\n\tAdjustment or reversal of accrued interest\n\tRetroactive placement into an appropriate repayment or forbearance status\n\tRe-evaluation of my IDR application\n\tConsideration for partial or full discharge due to servicer misconduct\nPERSONAL STATEMENT\nI made consistent, good-faith efforts to understand and meet my loan obligations. However, I was not provided with the information or support necessary to do so. I was left without clear direction on what I owed, when payments were due, or how to access affordable repayment options. This situation has caused significant financial and emotional strain and reflects a failure in the loan servicing process that should be corrected.XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: PA

Complaint narrative:
I am submitting a complaint regarding my mortgage servicers failure to remove duplicate or lender-placed homeowners insurance from my escrow account. This property was previously owned by my late father, and I am both the executor of his estate and the current responsible party for the mortgage and property. In XX/XX/XXXX, I obtained my own homeowners insurance policy for the property, effective XX/XX/XXXX. The policy meets all lender requirements and lists the mortgage company as mortgagee/loss payee. I notified the mortgage servicer in on XX/XX/XXXX both by phone and email and requested that any prior or lender-placed insurance policy be cancelled. I have since sent two additional emails and made multiple phone calls to follow up on this request. Despite these repeated communications, the servicer continues to charge my escrow account for insurance that should have been cancelled. This ongoing issue is contributing to escrow inaccuracies and may be affecting my monthly mortgage payment. Given the number of attempts I have made to resolve this issue, I believe this constitutes a servicing error and a failure to properly process valid insurance documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
I was in a trial modification that requires 3 payments made payment one no issues from XXXX XXXX XXXX Made payment 2 assumed no issues then made payment 3 during payment 3 a letter came from lakeview and they said I had a failed 2nd payment from a XXXX account not found so they applied payment 3 as 2 then said I completed everything and congrats and I have that screenshot and then took it back denied me due to bank error. I asked it to be reopened and they will not approve me said it doesnt matter that its the banks fault and not my fault. I have begged for help as I cant see how a bank error stating an active account is closed is my fault and no one at LakeviewXXXX XXXX will listen to me at all. I feel with a bank error and then a Lakeview error stating that I completed the trial successfully they should be willing to reinstate my trial plan and stop my foreclosure. Please please help me. Im getting nowhere with them.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am reporting an unauthorized transaction through my XXXX account for XXXX On XX/XX/year>, a charge of {$84.00} to XXXX was processed through XXXX ( Transaction ID : XXXX ). I did not authorize this transaction and did not receive any services. XXXX pulled the funds from my bank account without my authorization. I attempted to resolve this directly with both XXXX and XXXX, but neither has taken responsibility for the transaction. XXXX doesnt know where or why they charged me and cant provide me any of the details nor anything. XXXX has denied my claim, and my bank has refused to assist because the transaction was processed through XXXX. I am requesting a full investigation and refund of this unauthorized

Company response to consumer: Closed with explanation