vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My loan servicer, Nelnet, changed my monthly payment multiple times even though I did not recertify my income, my income did not change, and my repayment plan did not change. These recalculations were made without notice or justification. I am formally disputing the accuracy of my payment amount and requesting immediate correction, a full written explanation of all recalculations, and confirmation that my payment will remain fixed until my next required recertification date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: MI

Complaint narrative:
I was unaware of the XXXX, it XXXX percent. Is it legal to charge that much?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Began loan assumption in XX/XX/XXXX of my deceased father. Initially, they closed my request without notifying me. I had to call and email repeatedly. However, the Assumption Department does not have a telephone number to be contacted. Finally, my Assumption loan was closed on XX/XX/XXXX with closing cost deposited. As of today, it has not been transferred under my name. Ive called, emailed and sent Shellpoint the electronic filing. Still no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Expressed trouble keeping up with current payments due to wife and I on XXXX with XXXX XXXX. Went into loan modification and they wanted more money for 3 months before loan modification approval. Made one month payment but let the home with no food and increasing bill amounts. Expressed to them we cant make those payments and wanted more options. They canceled the loan modification and put in for short sale as the only option with only 2 weeks to responde during the holidays. Not once where other options given

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
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 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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
A XXXX credit card was sent to my house for me to activate, but I did not request a card.

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have a Chase Sapphire Reserve credit card. It is a credit card designed to be beneficial for travel. Customers are incentivized to book travel through Chase XXXX using their Chase credit card. I booked an XXXX XXXXXXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX from XXXX to XXXX, XXXX  XXXX and XXXX  XXXX ) using the Chase XXXX  app and my associated Chase Sapphire Reserve credit card. The government shutdown affected my travel plans and XXXX XXXX was offering full refunds for flights. Chase XXXX advised me to cancel my flight through the airline directly. I canceled my flight through XXXX XXXX on XX/XX/XXXX and received confirmation from XXXX XXXX that my ticket amount was refunded. I had confirmation as of XX/XX/XXXX from XXXX XXXX that the ticket amount was fully refunded. I called Chase XXXX and the Chase Sapphire credit card agency on 3 different occasions in XXXX and XX/XX/XXXXXXXX  and all agents stated that there was no refund to my credit card. Multiple calls resulted in in no solution or assistance. After my insistence to identify where my refund was, they explained to me that refunds made to Chase credit cards are not automatically processed back to the credit card again. Again, upon my insistence, a different agent accessed a list of refunds that had been sent to Chase credit card but not passed on to the original customer/consumer, found my refund, and processed it to my account on XX/XX/XXXX. It appeared immediately on my credit statement once they took that step. Chase is systematically not processing customer refunds and holding on to their customers ' funds. Unless customers are hypervigilant in checking their accounts and are able to expend the time and energy to call and insist upon a resolution repeatedly, they will be robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
SYNERPRISE CONSULTING is falsely reporting on my credit. I have never had any accounts with them. Per my research SYNERPRISE CONSULTING is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am filing this complaint to demand the immediate investigation and removal of multiple inaccurate and unverifiable collection accounts that are damaging my credit and being improperly reported by Spring Oaks Capital XXXX on my XXXX credit report. 
Summary of Disputed Accounts Below are the XXXX accounts that are incorrect and should be removed : XXXX XXXX XXXX Spring Oaks Capital XXXX Account XXXX  : XXXX Opened : XX/XX/year> Balance : {$580.00} Status : Collection account showing {$580.00} past due XXXX XXXX XXXX  XXXX Spring Oaks Capital XXXX Account # : XXXX Opened : XX/XX/year> Balance : {$950.00} Status : Collection account showing {$950.00} past due XXXX XXXX XXXX XXXX XXXX Spring Oaks Capital XXXX Account # : XXXX Opened : XX/XX/year> Balance : {$1100.00} Status : Collection account showing {$1100.00} past due Formal Dispute and Request for Removal I have previously disputed these items directly with XXXX and indicated that these accounts are inaccurate, incomplete, and/or unverifiable. The credit report even states : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Despite this, the accounts remain on my credit report, negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and data furnishers must conduct a reasonable investigation of disputed information and must delete unverifiable or inaccurate data. 
I demand that XXXX and Spring Oaks Capital LL : Conduct a full, thorough, and compliant investigation of these accounts. 
Remove all of the above collection accounts from my credit report if they can not be verified with supporting documentation. 
Provide written confirmation that these accounts have been permanently removed. 
Confirm that my credit report has been corrected in compliance with federal law. 
Why the Accounts Should Be Removed These accounts are being reported by a debt buyer ( Spring Oaks Capital LL ), not the original creditor. 
I have not received proper validation of the alleged debts as required by the Fair Debt Collection Practices Act ( FDCPA ). 
The accounts have been disputed and are therefore subject to deletion if unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been charged a monthly fee of {$9.00} for roughly 18 months from XXXX. Although I have purchased individual orders from XXXX in the past, I do not have any reoccurring subscription or XXXX through them. I called XXXX to confirm that my name / card did not any reoccurring subscriptions, which they confirmed and said that if I am still receiving charges, to submit a chargeback through my bank ( Wells Fargo ). I have received no product or service for this and have not authorized these payments. I have tried submitting a claim through Wells Fargos with this information multiple times over 5+ times, speaking to managers and the claims department throughout the last few months. As of the most recent, I spoke to them on XX/XX/XXXX and XX/XX/XXXX. 

Every time, they put in incorrect information on the claim so the charges are not reversed, inform me over the phone that " I must have had XXXX '', or resolved only one of ~18 charges. I call them and they assure me it is entered accurately into their system, and then I can clearly see through their " My Claims '' page that it is entered incorrectly, and the issue is repeatedly not resolved.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Date : XX/XX/year> Re : Request for Debt Validation Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to a collection account that your company is reporting on my credit file. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following documentation : XXXX. The name and address of the original creditor XXXX. The original account number XXXX. The amount of the original debt XXXX. Proof that Midland Credit Management has the legal right to collect this debt XXXX. A complete payment history XXXX. Documentation bearing my signature showing I agreed to the debt Until such validation is provided, you are required to cease collection activity and reporting of this account to the credit bureaus. 

If you are unable to provide proper validation, please delete this account from all credit reporting agencies immediately. 

I request that all communication regarding this matter be in writing only. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Over the last XXXX years I have been misled and encouraged by Navient and XXXX XXXX to place my loans into Forbearance until I could make consistent payments. It was not explained to me in a way that I truly understood that this would cause my loans to more than double! And now Im making more money I cant sustain the loan payment at this high level.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF 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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc.
State: IL

Complaint narrative:
I am filing this complaint against US Collections West , Inc. for unlawfully reporting an alleged collection account that I do not recognize and for failing to comply with federal debt collection and credit reporting laws. This account appeared on my credit report without any prior written notice, communication, or legally required disclosure of my right to dispute, in direct violation of FDCPA 1692g ( a ). I never received a dunning letter, written notice of debt, itemized statement, or any documentation explaining the nature, origin, or calculation of this alleged balance before US Collections West began reporting it to the credit bureaus. After disputing the account, US Collections West failed to provide lawful validation and continues to furnish this account as accurate despite possessing no verifiable evidence. Proper debt validation requires the original signed lease or agreement, a complete rent ledger, move-out accounting, itemized damages, proof of charges, documentation of any alleged balance owed, and clear chain of assignment establishing US Collections Wests legal authority to collect. None of this has been provided. Reporting a rental or property-related debt without documentation is inherently unreliable and violates FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), as well as Metro-2 accuracy and completeness requirements. US Collections West has a documented history of consumer complaints and regulatory scrutiny for aggressive collection practices, failure to validate debts, and continued reporting of disputed accounts without proof. Furnishing an unverified debt constitutes false representation under FDCPA 1692e, unfair collection practices under 1692f, and a failure to conduct a reasonable investigation under the FCRA. I am fully aware of my consumer rights and what constitutes lawful validation. Continued reporting of this account without evidence demonstrates reckless disregard for federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
I purchased a boat in Florida and the Seller had a loan with Huntington Bank. I paid off the loan on XX/XX/year>. The bank shows the loan balance as zero, but has refused to properly notify the Florida DMV that the lien has been satisfied. This is preventing me from registering the boat. According to Florida law, they must release the lien within 10 days of payoff.

I have spoken to the bank at least 12 -15 times since XX/XX/year> and I keep getting different answers and they have no internal process to route me to someone that can solve the issue. 

I purchased the boat on XX/XX/year> and have possession of the boat. 

I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: NJ

Complaint narrative:
Actual Events : Tesla offered me a promotion that if I sign the lease before XXXX of XXXX then they would give me {$0.00} down payment ( with some title charges that I would need to pay ) and a lease term which would effectively have my monthly lease at {$490.00} for 36 months. I paid {$250.00} to book the vehicle and Tesla approved the lease instantly. I received your message as well as in-app notification that my lease was fully approved and I was assigned a registration number XXXX and a vehicle VIN number. 

I received a note from Tesla that there are other cars with different configuration in their inventory on Saturday but not the same configuration for which I signed the lease if I wanted to pick up before XX/XX/XXXX. 

On XX/XX/XXXX my lease was automatically canceled and I have to now redo the same application with a {$5500.00} down payment and a lease which {$660.00} for the same car I ordered. While I was ready to pick up the car before year end Tesla app showed me that my delivery was scheduled between XX/XX/XXXX and XX/XX/year> ( so I was assuming I just had to wait as all the needful was done in terms of me signing the lease and paying the booking fee ). I was never informed on the app where I made the application that my lease terms would expire if I didn't pick up the car before year end ( the car I ordered was anywaynot available in the invetory and was showing to me that it was in transit, to be delivered between XX/XX/XXXX and XX/XX/XXXX ). 

Tesla customer support could not resolve my issue and they also denied issuing me refund for the booking fee if I cancelled the order calling it non refundable deposit ( I am still willing and waiting to take the delivery of my car for the lease terms that were fully approved by Tesla for me on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I am filing a complaint regarding a loan servicing error involving improper fees and the servicers refusal to accept principal-only payments, which has resulted in unnecessary and inaccurate interest charges. 

For the life of this loan, I have consistently paid my required monthly payment through the servicers website. The interest amount paid has always been the exact amount generated by their system ; I have no ability to alter that figure. With every payment, I have also made additional principal-only payments in order to pay down the balance faster. 

Recently, the servicer blocked my ability to make additional principal payments, stating that there are outstanding fees. After contacting the company via online chat ( XX/XX/XXXX ), submitting an online inquire ( XX/XX/XXXX ) and by calling the XXXX number ( XX/XX/XXXX ), I received inconsistent explanations. A live representative ultimately stated that the company conducted an internal audit and assessed {$18.00} in fees for alleged underpayment. During that call, I authorized payment of the fee under protest, yet the servicer has still failed to resolve the issue or restore my ability to make principal-only payments. 
I dispute the validity of this fee for the following reasons : XXXX. I paid exactly the interest amount required by the servicers system. 
XXXX. There is no option on the servicers website to pay this alleged fee. 
XXXX. The fee is not added to my regular monthly payment or otherwise itemized in a way that allows payment. 

Despite this, the servicer is refusing to accept principal-only payments. As a result, they are continuing to charge interest on principal that I attempted to pay down but was prevented from paying due to the servicers actions. 

This is causing financial harm through unnecessary interest accrual and appears to be an unfair servicing practice. If the fee were legitimate, the servicer should provide clear notice, contractual justification, and a reasonable method of payment. Blocking principal payments while simultaneously preventing payment of the alleged fee is unreasonable and servicer-caused.

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
This complaint concerns PayPals refusal to recover XXXX USDC ( an XXXX  token ) sent via the XXXXXXXX XXXX to a PayPal-provided deposit address. Despite clear blockchain evidence that the funds are in PayPals custody, PayPal support has claimed the funds are " lost '' and refused to escalate the matter to their technical crypto department. 
Chronology of Events : XX/XX/year> : A transaction of XXXX XXXX was successfully sent to my PayPal XXXX address : XXXX. 
XXXX XXXX : The transaction is publicly verifiable on the XXXX XXXX. 
Full Signature : XXXX Internal Dispute : I contacted PayPal via their XXXX XXXX, providing the transaction signature and requesting a manual asset recovery. 
Company Refusal : A PayPal representative ( XXXX XXXX XXXX ) stated that because XXXX is not " supported, '' the funds were " lost. '' This is technically false. Since PayPal generates these XXXX addresses for XXXX and XXXX, they possess the private keys and have the technical ability to access any XXXX  token held at that address. 
Conclusion : PayPal is acting as a custodian for my digital assets. By refusing to acknowledge the presence of these funds on the XXXX  and refusing to perform a manual recovery or " Return to Sender '' transaction, PayPal is failing in its fiduciary and custodial responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: CO

Complaint narrative:
Fraudulent attempt to collect a debt that is not owed. Contacted company and there is no debt collection. Scam company keeps text messaging me several times a day. I am trying to report the scam to prevent other people from becoming victims of scam. The scammers are identifying themselves as Unifin Debt Collections. The numbers that they use are ( XXXX XXXX XXXX XXXX  or contact them at XXXX

Company response to consumer: Closed with explanation