vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
This is a formal complaint against the department of education, specifically studentaid.gov I submitted a request for XXXX in XXXX of XXXX. Upon the initial evaluation of my eligibility, I was told I only had XXXX of XXXX required payments. Which is wrong. 

I submitted a XXXX XXXX XXXX XXXX XXXX request. The case number is # XXXX. This reconsideration concluded that " we did not process your request becauseyour loans were in deferment during XXXX ''. This is also wrong. The national database that records student loan payments ( XXXX ) incorrectly shows this information, but my lender ( Now XXXX, then XXXX ) provided me pages worth of records indicating that my loans were not in deferment, but rather, in qualifying repayment programs, and I was indeed making payments all those years. 

I submitted another XXXX XXXX XXXX XXXX XXXX request, with the records from my servicer showing those payments on XX/XX/XXXX ( case # XXXX ). That case shows on my student aid website as closed on THE SAME DAY it was submitted. It was never reviewed. I don't understand that. The PDF files are there with all of my payment history. I never received an email telling me why it was immediately closed or the results of the review. 

Then, on XX/XX/XXXX I submitted a final XXXX XXXX XXXX XXXX XXXX request, case # XXXX. It is now XX/XX/XXXX, and still have not heard a word about this reconsideration, and whats worse, I don't see this reconsideration request reflected in my studentaid website / account. I wonder if it has even been looked at. 

My review is stuck in a limbo.... and no one can seem to help. XXXX says they can't help, studentaid says they can't help. Meanwhile interest are starting to accrue again on my loan. 

I need help getting answer, I need to know that the records will be updated and that accurate payment counts will be posted.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I dispute the late payment reporting associated with this account. I have never been late on my Capital One credit card payments. My account is enrolled in automatic payments ; however, Capital One continues to draft payments from a closed bank account, despite being notified and provided with updated payment information.

Any late payment reporting resulting from Capital Ones internal processing error is inaccurate and violates :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
While trying to obtain a home loan. when I started everything was fine but when I was almost to close a car popped on that was financed through Exeter finance that I had no knowledge of. I contacted the dealership and they said everything was signed via XXXX. They acknowledged it wasn't me .. At the time I had no drivers license. I have made numerous phone calls and sent a demand letter and they have not removed it from my record nor provided me proof. I sent certified letters to XXXX XXXX and to Exeter Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: MA

Complaint narrative:
I am filing this complain regarding an inaccurate and unverified collection account that is being reported on my XXXX  Credit report. 

I dispute this collection account in its entirety.This account is reporting inaccurate information and has not been properly validated as required under the fair debt collection Act [ FDCPA ] and the Fair Credit Reporting Act [ FCRA ]. 

I previously disputed this account with XXXX, yet the account continues to be reported without proper verification. XXXX has failed to provide documentation proving the accuracy, ownership, and contractual obligation of this alleged debt. 

Additionally, the collection agency has not provided : .A copy of the original signed agreement .Proof of assignment or ownership of the debt .An itemized breakdown of the amount claimed Because the information being reported can not be verified as accurate and complete, it must be deleted from my XXXX Credit report immediately . 

I am requesting that XXXX  and the collection agency conduct a lawful investigation and remove the collection account if they can not provide proper validation as required by law. 

Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
Over the last couple years overdraft fees have been charged when the balance is not negative and have also been charged not under overdraft fee names which I find sketchy. I have attached screen shots of oversrafts dating back to XXXX. 
{$25.00} on XX/XX/XXXX, {$25.00} on XX/XX/XXXX, {$25.00} on XXXX, {$25.00} on XXXX, {$25.00} on XX/XX/XXXX, {$25.00} on XX/XX/XXXX, {$25.00} on XX/XX/XXXX, 4 were reversed out of " customer service '' for XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, {$28.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$10.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, one was reversed on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$10.00} on XX/XX/XXXX, {$28.00} on XXXX, one was reversed on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, one was reversed on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, one was reversed on XXXX , % XXXX on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX, {$28.00} on XX/XX/XXXX. The total of all charges assessed is {$760.00}. A lot of these were assessed when the balance was positive. I have attempted to get clarification into the overdraft processes and they have nto provided any

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: CA

Complaint narrative:
This company has called me numerous times but will not provide me any information regarding the account. They call me from multiple numbers on different days at different times. When I request information they send me a link I am uncomfortable opening due to lack of information. Not once did they confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Cease and Desist FDCPA Violations Account Number ( s ) : Any and All Accounts Allegedly Associated With Me To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you are hereby directed to CEASE AND DESIST all communication with me immediately regarding any alleged debt you claim I owe. 
This includes, but is not limited to, phone calls, voicemails, emails, text messages, postal mail, credit reporting communications, and contact with third parties. This directive applies to Jefferson Capital Systems LLC, its employees, agents, affiliates, assigns, and any third party acting on your behalf. 
Furthermore, any continued reporting of this alleged debt to consumer reporting agencies without my express consent, while simultaneously being prohibited from communicating with me, may constitute violations of : 15 U.S.C. 1692e ( False or misleading representations ) 15 U.S.C. 1692f ( Unfair or unconscionable practices ) Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 If you are unable to legally pursue collection or validate this alleged obligation, you are required to promptly request deletion of any tradeline you have furnished to Equifax, Experian, and TransUnion. 
You may only contact me again for one of the following legally permitted reasons : 1. To confirm in writing that you will comply with this cease and desist request ; or 2. To notify me of a specific legal action you intend to pursue. 
Any communication beyond these two narrow exceptions will be documented as willful noncompliance and harassment and may result in civil action against your organization. I reserve the right to seek statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and costs pursuant to 15 U.S.C. 1692k. 
This letter is not an acknowledgment of liability, nor an admission of any debt. 
Govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I signed up to earn XXXX cash back reward when I used my card over a certain amount, I qualified and called navy federal to confirm and was advised I did t use card and promotion can take 4-8 weeks, this was from XXXX, we are 3 months past that time frame and I would like to have my credit honored

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX, I received an alert from XXXX  that a collection has been lodged against my credit. I immediately contacted XXXX, which informed me that the collection action was by a company called XXXX XXXX purporting that I owed a medical debt of {$500.00} to XXXX XXXX XXXX from XXXX. Since there had NEVER been any instance in my entire life that I did not pay a bill, attested by a credit score above XXXX for decades, this was a total shock to me. I was angry also that I had not been contacted by XXXX with any documentation to prove their claim. Had they done so, I would have shown them my payment records dating that far back proving there had never been an unpaid outstanding balance. Their callous and egregious act precipitated a XXXX point drop in my credit score, which has severely upset us emotionally. 
I was told by XXXX  representative, who put a dispute notice on the record to contact XXXX XXXX and demand documentation proving their claim. I did so on XX/XX/XXXX. 
I categorically denied that I owe XXXX XXXX XXXX any debt. Since XXXX when I went on XXXX and XXXX XXXX XXXX, I have never received a bill from them. It has been between them, XXXX, and XXXX XXXX provider XXXX XXXX XXXX. All my XXXX, XXXX, and XXXX XXXX XXXX own records show that they were fully paid. Prior to coverage by XXXX, when I received an XXXX  from my health insurance provider XXXX and a corresponding bill from any medical provider, I duly paid what I owed. 
The XXXX representative told me that I need to officially request such documents by sending an email to XXXX with the subject banner being the account number opened for the collection claim with XXXX. I sent the email promptly. As of today, XX/XX/XXXX, I still have not heard back from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I initiated a standard bank transfer to my Bank on XX/XX/year> and with a XXXX  estimated completion date of XX/XX/year>. It has been over five business days and the funds of {$2000.00} are still showing in " pending '' status. I have the specific Transaction ID that I provided Venmo. 

My bank, XXXX XXXX, confirms that there is no incoming ACH credit pending. Please initiate an ACH trace and confirm whether the funds are held in compliance review, reversed, or released. 

I requested, both in writing and over the phone, for a written confirmation of the transfer status. I regularly use Venmo to pay for items or send others money, so I found it troubling that when I have received money and elected to transfer it to my XXXX XXXX bank account, XXXX  is causing these issues. 

I spoke to " XXXX '' on the phone around XXXX XXXX  on XX/XX/year> at XXXX and provided her with these same above details, and she was not able to assist me. Apparently, there was a larger problem with the XXXX  engineering team where various XXXX  transfers did not go through in early XX/XX/year>. XXXX informed me that she added my account to the " engineering ticket '' and apologized that the missing funds were for a large amount ( {$2000.00} ). I don't find that this delay is unacceptable and that I need to chase down the funds that XXXX  failed to transfer. I am also not the only XXXX  customer that has been affected by this XXXX engineering issue. I have XXXX  to escalate this issue and provide a prompt remedy at the very least - XXXX a check so that my {$2000.00} is returned to me, but they have only stated that they have submitted a " ticket '' to the engineering team and refused to provide additional details about this breach, outage, or missing funds. 

XXXX  also makes it extremely difficult to contact anyone ( either through writing or over the phone ) to report financial or transaction issues, file a dispute or resolve issues ( even if the error is on XXXXXXXX XXXX end ). I do not think this lack of response is acceptable, and entities that are in the business of collecting, holding, transferring funds should be held to a higher standard. What happened to recorded lines and written communication? 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Onemain financial holds a lien on my XXXX XXXX XXXX. Since XXXX | have been requesting for the vehicle to picked up " repossessed '', before and after the balance was referred to collections. I have received no assistance and responses for the matter. I can not do anything with the vehicle due to the lien. The balance was sold to an attorney/ collections agency after my initial attempt to voluntarily surrender the vehicle. XXXX has intentionally ignored my request to surrender the collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: NJ

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management Illegally sharing debt information with Relatives via phone on XX/XX/XXXX. 

Midland Credit Management using illegal scare tactics via email including threatening law suit on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants and Medical continues to call me to collect debt that is not mine. They ask for my mother, XXXX XXXX, and when I state that I am not her, they begin demanding to speak to her - she is is a XXXX home and does not communicate any longer. these debt collections are not my responsibility and the calls are harassing. I am never given any information on the debt, only they they are attempting to collect a debt, but they are calling me and this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
Address of Property : XXXX XXXX  XXXX, XXXX, NC XXXX HSBC has either lost or never filed a XXXX release for a refinance back in XX/XX/XXXX, Book XXXX Page XXXX, they re-recorded the deed of trust on XX/XX/XXXX to correct an error, Book XXXX page XXXX. 
XXXX XXXX, refinanced once again in their business name this time on XX/XX/XXXX with XXXX. They would not have been able to refinance with XXXX if the above Deed of Trust wasn't canceled. I hope I have explained myself well enough to get this XXXX release in motion. I have documents I can forward to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I went inside the XXXX branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX to deposit {$3500.00} in cash into my business checking account ending in XXXX. 

I handed the cash directly to a teller named XXXX. He asked me to insert my debit card and PIN, and he verbally confirmed that the deposit was being made into my checking account. He then gave me a receipt. Approximately XXXX hours later, I discovered that the money had not been credited to my account. 

I immediately returned to the branch and spent approximately XXXX hours trying to resolve the issue. I left the bank at XXXX XXXX, and the branch XXXX XXXX told me the issue would be resolved within XXXX to XXXX business days. 

During that visit, a XXXX teller asked me if I knew a person named XXXX. I told her I did not. She informed me that my {$3500.00} cash deposit had been credited to XXXX account. I asked how this was possible since I used my own debit card, but no one could explain it. 

XXXX later contacted me while I was in XXXX but did not provide any resolution. I returned to the branch on XX/XX/XXXX. An employee named XXXX XXXX spoke with my husband and me. He was extremely hostile and attempted to blame me, claiming I entered my PIN incorrectly. Even if a PIN error occurred, the teller should not have completed the transaction or confirmed my account number. 

This was a cash deposit handed directly to a XXXX employee, meaning XXXX had full custody and responsibility for the funds. XXXX has acknowledged the money was credited to another customer, yet refuses to return my {$3500.00} and is now denying responsibility. 

I am requesting immediate reimbursement of the full amount and a formal investigation, including preservation and review of XXXX footage from XX/XX/XXXX showing my cash deposit transaction. 

This error has caused serious financial harm to my business and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had accounts that belonged to me legally and they were a brokerage account with stocks worth XXXX  and an account worth XXXX  ( XXXX at first ) then it was illegally taken over in around XX/XX/year> shortly after XX/XX/XXXX. It was taken over via account takeover fraud, bank fraud, identity theft and a this group of people have been stealing from these accounts for XXXX to XXXX  years now. They have now stole up to XXXX  of dollars and the Bank of America is allowing them to do it. The extorters are XXXX, corrupt fbi informants who work with XXXX  and frame people to then get XXXX in jail. They frame people for XXXX, XXXX, XXXX you name it and then they get them XXXX in jail. They have been doing this for a long long time. There is a couple of Fbi informants that I know that illegally took it over even with a fake name or maybe its real but the informants that illegally took it over are named XXXX XXXX XXXX XXXX XXXX and XXXX cousins named XXXX XXXX XXXX and other informants that they know, one might be named XXXX XXXX XXXX XXXX not sure. But they illegally took it over and have been stealing since XX/XX/year>. Ive called Bank of America multiple times and they dont even try to help at all. This XXXX XXXX  named XXXX XXXX XXXX employee id XXXX ) was just throwing shade and even called me a maam and was just throwing shade. He even gave me a name that the extorters called me or changed my name to which was XXXX XXXX. Then i had submitted a complaint to you guys and a female named XXXX XXXX direct number XXXX, extension XXXX, and I kept calling around XXXX times and she never picked up and even she was throwing shade to me saying something about XXXX XXXX and It seemed like they are all in on it and werent even trying to help like they didnt give a XXXX! Im being extorted out of XXXX  and the criminals even made a fake charity and they gave a bunch of low life losers and friends and family of informants and XXXX and cops and fbi money. Its billions that they have stole! I need help as soon as possible!

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