vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am requesting full validation of the alleged debt you claim I owe. This is not a refusal to pay. It is a request for verification under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

Please provide the following : XXXX. Proof that I am legally responsible for this debt, including my signature on any original contract. 
XXXX. The name and address of the original creditor. 
XXXX. A detailed breakdown of the amount you claim is owed, including principal, interest, fees, and how each amount was calculated. 
XXXX. Proof that PORTFOLIO RECOVERY is licensed to collect debts in my state. 
XXXX. A copy of any judgments, if applicable. 
XXXX. Verification that this debt is within the statute of limitations for collection in my state. 
XXXX. Proof of your legal right to collect this debt, including documentation of the assignment or sale of the account. 

Until I receive all requested documentation, you must cease all collection activities, including phone calls, letters, credit reporting, or legal action, as required by federal law. 

If you can not validate this debt, you are required to : Stop all collection efforts, and Delete any negative information you have reported to the credit bureaus for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX filing this complaint to address XXXX or XXXX wrong property tax payments paid from my escrow account by Chase. These XXXX tax payments were posted on my escrow account on XX/XX/year> in amount of {$2900.00} ( transaction details XXXX XXXX tax ) and {$1800.00} which is marked as deliquency based tax in transaction detail. However, I started to own this new construction property on XX/XX/year> ( closing day ). Apparently, I shouldnt have owed any delinquency base tax or had any tax liability in XX/XX/year> as I just started to own this property. I believe XXXX or both of these XXXX aforementioned tax payments are probably payments for my neighbors property. The reason I said that is because the similar incident had happened before : Chase used my escrow fund to pay my neighbors property tax for XX/XX/year> tax payment. See my previous complaint for that issue. Also, I dont know where they get the {$2900.00} number from as its the same amount as the XXXX tax payment they paid for my neighbors property so I believe they got my neighbors property tax due. Our request is : refund us the wrong tax payment ( XXXX ) as soon as possible, provide a clear explanation of what happened and provide an account analysis to adjust the monthly payment. This issue has been open since XXXX, I have called Chase XXXX customer service more than XXXX times and different agent gave me different answers and some even said I had been refunded which is not true if you take a careful look at my escrow account history. I really need this issue to be solved as soon as possible and please properly update your internal information for my property tax ID to avoid the same issue in the future. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Ive closed this account over XXXX  years ago, the customer service representatives are nasty and rude. Every time I pay my bill the money is never received. They never send me a bill and I am constantly incurring late fees because of this as well as my credit score being affected by this matter. The managers are never responsive in the investigation when I make a claim about my payments being posted. I have been dealing with this issue since XXXX. I would like to report Victoria Secret.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
This complaint concerns an auto loan servicing issue caused entirely by XXXX  XXXX failure to provide a corrected XXXX required for an insurance total-loss settlement. 

After my vehicle was declared a total loss due to an accident, my insurance company prepared to release payment directly to Santander Bank. However, the insurance XXXX required XXXX XXXX to issue payment. Santander initially provided a XXXX containing an incorrect address, making it unusable. 

The insurance XXXX emailed Santander requesting a corrected XXXX with the proper address. Santander did not respond to this request. 

On XX/XX/XXXX, I personally contacted Santander Bank by phone. After escalation to a XXXX, I was told that Santander had received the adjusters email requesting a corrected XXXX and that a new XXXX would be issued and emailed to the XXXX within XXXX to XXXX hours. This did not happen. 

On XX/XX/XXXX, my insurance XXXX confirmed in writing that she never received the corrected XXXX and could not release payment without it. 

Since the vehicle was totaled, I have continued to make monthly auto loan payments of about {$730.00} each solely to avoid credit damage. These payments are being made on a vehicle that no longer exists, and the delay is entirely due to XXXX  XXXX  failure to provide required documentation. 

I have made multiple additional calls to Santander Bank. Representatives frequently place me on hold, fail to locate the claim, make repeated promises to resend the XXXX, or the calls disconnect without resolution. To date, the corrected XXXX has still not been provided to the insurance company. 

I am requesting immediate issuance of a corrected XXXX by email, suspension of further payments until insurance funds are applied, and reimbursement or credit for payments made after the total loss date. XXXX  inaction is causing ongoing and significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: MA

Complaint narrative:
I have a mortgage account with XXXXXXXX XXXX XXXXXXXX that is serviced by My Loan Care. 
Starting XX/XX/XXXX, the servicing of my account was transferred to XXXX XXXX 
However, the principal balance made known by myLoanCare to XXXX was reportedly incorrect. 
I had made principal repayments outside of my regular monthly payments in the month of XX/XX/XXXX which were reflected correctly on myloanCare website/app but were not reported to XXXX. 
Net result is my new servicer doesn't know a correct balance and is overstating my principal balance. 
Raised this via email to MyLoanCare on XXXX. 
As of XXXX, I haven't heard back despite 4 follow-ups on email. 
Emails were sent to XXXX XXXX XXXX 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 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: CO

Complaint narrative:
Hi There I have XXXX XXXX  plus loans with various interest rates and amounts. Before my accounts were transferred to the new loan servicer my loan terms were as follows XXXX loans had 97 months left to pay outstanding balances as follows {$13000.00} ; {$10000.00} ; {$9900.00} ; {$8900.00} ; {$23000.00} XXXX loan had 98 months left outstanding balance {$8800.00} XXXX loan had 75 months left outstanding balance {$9200.00} XXXX loan had XXXX payments left outstanding balance {$3800.00} XXXX loan had XXXX payments left {$17000.00} The new loan servicers statement after few payments showed XXXX loans with 98 months payment balances {>= $1,000,000} ; {$10000.00} ; {$10000.00} ; {$8900.00} ; {$9000.00} ; XXXX XXXX loan term XXXX outstanding XXXX XXXX term XXXX outstanding balance XXXX XXXX {$3800.00} Upon discovering the increase in loan terms which were not initiated by me ; I emailed the company an email XX/XX/year>. The response was that they are unable to honor request via email and I need to contact them via phone. I call them XX/XX/year> spent XXXX minutes explaining the discrepancies in loan terms and seeking a resolution. I was told that they will escalate the issue and try to solve it .Still waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
During the XXXX XXXX XXXX XXXX, I requested a payment deferment from Toyota Financial Services. 

Before agreeing to the deferment, I explicitly and repeatedly asked Toyota Financial Services representatives to disclose the total dollar impact of the deferment, including any interest, capitalization, or charges. I clearly stated that I could only agree if the additional cost was approximately {$200.00} or less. 

Toyota Financial Services representatives refused to provide any specific dollar amount or estimate. Despite repeated requests, they provided only vague assurances that the amount would not be a lot and avoided answering direct questions. No written disclosure or numerical estimate of the financial impact was provided at the time I agreed. 

At loan maturity, Toyota Financial Services is now demanding {$720.00} related solely to the two-month deferment. Had this amount been disclosed, I would not have agreed to the deferment. 

After receiving this charge, I contacted Toyota Financial Services on three separate occasions and formally requested written documentation related to the deferment, including the deferment agreement, disclosures, and a breakdown of the charges. I have received no written response or documentation. 

Instead of responding to my document requests, Toyota Financial Services referred the account to its collections department. I also requested the same documentation directly from collections representatives, and those requests were likewise ignored. 

This dispute therefore involves : Failure to disclose material financial terms Lack of informed consent Misrepresentation by omission Failure to respond to a billing dispute and documentation requests Improper servicing and dispute-handling practices I am requesting : All deferment-related agreements and disclosures Call recordings or transcripts related to the deferment A complete accounting of the {$720.00} charge A waiver or substantial reduction of the undisclosed interest and charges Toyota Financial Services refusal to provide requested documentation while pursuing collection activity is improper and requires review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or about XX/XX/XXXX, Wells Fargo withdrew {$3000.00} from my account labeled Legal Recovery Set-Off.

I completed a debt resolution program through XXXX XXXX XXXX in XX/XX/XXXX, and the Wells Fargo account involved was documented as resolved and settled in full. I was never notified of any remaining balance, legal judgment, or future recovery rights. 

When I contacted Wells Fargo on XX/XX/XXXX, I spoke with a representative named XXXX, who did not provide any explanation or documentation and instead referred me directly to a litigation phone number. No validation of the charge was provided. 

I dispute this withdrawal as unauthorized. I am requesting a full written explanation, documentation of legal authority, and refund of the funds if no valid enforceable obligation exists.

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 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
My mortgage payment was set for Autopay on XX/XX/XXXX. According to a letter I received from Rocket Mortgage in XXXX, my payment was {$1100.00}. When the company finally attempted the draft, they pulled that {$1100.00} amount I did not have enough on the XXXX, but they were actively trying to take money out everyday. However, the system then rejected the payment because Rocket Mortgage 's internal records had changed the required amount to {$1200.00} without proper coordination. The system essentially failed because it drafted the amount I was told to pay in writing rather than the amount the company 's internal system was expecting. 
In addition to this system error, Rocket Mortgage reported me as " late '' to the credit bureaus well before the payment was even 30 days past due. In fact, I was notified of a late report as early as XX/XX/XXXX, which was a full week before the Autopay was even scheduled to be drafted. I received further confirmation of this reporting from the company on XX/XX/XXXX. Reporting a payment as late before the draft date has even occurred is a major error that has unfairly damaged my credit. I have attempted to resolve this with the Executive Office, but they have stalled the process and refused to provide written explanations for these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC and Resurgent Capital Services engaged in willful, coordinated post-notice violations of federal consumer protection law by acquiring, placing, and attempting to collect an account that was already legally barred from any further use as the result of verified identity theft. Prior to acquisition and placement, both entities had actual and constructive notice that the account and the personal identifiers associated with it were the product of identity theft, as established by FTC XXXX XXXX XXXX, nationwide consumer reporting agency disputes, and mandatory 605B block notices transmitted through the credit reporting system. That notice attaches to the data itself and follows the account downstream. It can not be ignored, reset, or cured through resale or reassignment. 

Despite this notice, LVNV Funding LLC acquired the account and placed it with its agent, Resurgent Capital Services, for collection. Resurgent then initiated collection activity using identity-theft-contaminated personal data, including a known fraudulent address variant that had already been identified in prior identity-theft submissions. This was not a clerical error or a timing issue. It was post-notice conduct involving data that federal law renders unusable for any purpose once identity theft is verified. 

Once an account is subject to a mandatory block under XXXX5 U.S.C. 1681c-2 ( a ), no entity may lawfully acquire it, place it for collection, service it, transfer it, or attempt to collect on it. There is no exception for debt buyers, servicers, or agents. LVNVs acquisition after notice and Resurgents collection activity after notice constitute per XXXX violations of the Fair Credit Reporting Act. Because the account is legally unenforceable due to identity theft, any attempt to collect also constitutes false representation of the legal status of a debt and unlawful collection activity. 

Neither company disputed the existence of identity theft. Neither produced certification that the account was lawfully exempt from 605B. Neither demonstrated that the account had been unblocked, cleared, or validated through a lawful process, because no such process exists once identity theft is verified. Instead, both companies proceeded as if federal law did not apply, relying on contaminated data to generate revenue. This reflects a systemic failure of due diligence and a business model that externalizes identity-theft risk onto consumers while monetizing data that the law requires to be suppressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
In early XX/XX/year>, I contacted Navy Federal Credit Union to request hardship or forbearance assistance on my credit card account due to a temporary loss of income and increased medical and family-related expenses. I completed their financial review process and provided income information. 

Navy Federal relied on incorrect income figures that understated my actual household income. When I raised the discrepancy and requested correction, I was told it could take up to 90 days to update the information and that no hardship assistance options would be considered during that time. 

Despite making a good-faith effort to seek assistance before becoming delinquent, my request was denied without a fair review using accurate information and without interim options while the data was being corrected. I am requesting a fair reevaluation and a clear explanation of the decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Square withdrew funds from my active Square account to cover a negative balance on a separate Square account that I do not own, recognize, or authorize.

Square claims the accounts are internally linked but has refused to identify the alleged account, provide proof of ownership, or generate a case or reference number through support chat. 

I have confirmed with Square support that this is not fraud or unauthorized access, but an internal account linkage and funds offset error. However, Square has not provided documentation supporting the linkage or returned the funds.

I am requesting a full manual account review, written proof of any alleged linkage, and reversal of the withdrawn funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I have sent certified letters to IQData International and to XXXX XXXX XXXX XXXX ( XXXX ) : XXXX to Experien-I disputed the claim and I requested an investigation of the information on my Credit report ; Response from Experian to Wait for XXXX days after Investigation XXXX Letter to XXXX XXXX XXXX Disputed Claim and requested end of phone calls ; No Response from IQData XXXX to XXXX I disputed Claim And requested Written documentation of the XXXX Debt to pursue Wrongful Action/Negligence Claim ; Response from XXXX XXXX XX/XX/XXXX XXXX to XXXX ( attention Jaconda XXXX, Mgr ) with Email communications between myself and former XXXX XXXX XXXX and Coordinator, XXXX XXXX, for the period XX/XX/XXXX to XX/XX/XXXX ; XXXX XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Someone opened a Utility Bill account in my name in XX/XX/year> down in XXXX, TX. I have never lived in XXXX, and at the time was living in XXXX, TX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased a vehicle from XXXX of XXXX XXXX and later discovered that multiple charges and add-on products were included in my auto loan without proper disclosure or my authorization. A XXXX XXXX in the amount of {$2700.00} and XXXX XXXX in the amount of {$750.00} were added without my authorization or consent. I did not request these products and never received copies of the service contract or XXXX agreement despite repeated requests to the dealer. 

In addition, the contract includes significant fees that were not clearly explained at the time of sale, including a Predelivery Service Fee of {$1200.00}, an Electronic Registration Filing Fee of {$540.00}, and a Private Tag Agency Fee of {$99.00}. The dealer later stated that the predelivery service consisted of routine items such as wiper blades, oil change, and tires, which does not reasonably justify the fee charged. These charges appear to be excessive and not properly disclosed as optional or negotiable. 

When I contacted the dealership to request documentation and cancellation of the add-on products, they failed to provide the contracts and did not resolve the issue. I have also filed a formal dispute with my loan servicer, Westlake Portfolio Management, regarding the unauthorized add-on products and disputed fees. 

XXXX different contracts were signed and the loan was transferred from XXXX XXXX XXXX to Westlake Portfolio Management within less than XXXX week. I attempted to raise these issues immediately before and after the transfer and was advised that XXXX XXXX XXXX could not assist me. 

I then contacted the dealerships finance department, but they refused to provide assistance or documentation regarding the add-on products. I have also been unable to reach a live representative or dispute department at Westlake by phone. 

I attempted to escalate this issue to dealership management, but was informed that the XXXX who reviewed my deal and appeared concerned was no longer employed at the dealership. As a result, I have been unable to obtain internal review or resolution through the dealer or the loan servicer. 
I am requesting cancellation of the XXXX XXXX and XXXX XXXX, application of all refunds to my loan principal, correction of my loan balance, and investigation into the dealers practices related to fee disclosures and unauthorized ancillary products. 

When I questioned the unauthorized charges and requested cancellation, dealership staff responded in a confrontational manner and threatened to involve law enforcement instead of addressing my concerns or providing documentation. This response felt intimidating and appeared intended to discourage me from continuing to dispute the charges.

Company response to consumer: Closed with explanation