vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Formal Complaint Regarding Harassment, Unauthorized Withdrawal, and Account Mismanagement To Whom It May Concern, I am writing to formally file a complaint regarding my account with Westlake Financial Services. Over the past several years, I have experienced repeated issues that have caused significant financial hardship and XXXX XXXX. My sons father passed away XX/XX/XXXX. I became the sole provider / surviving parent of our XXXXXXXX XXXX XXXX son, which I have expressed to Westlake Financial during several phone conversations. I have received excessive and repeated phone callsup to ten times per dayimmediately following a missed due date. ( Example : Payment due XX/XX/XXXX, the phone calls begin XX/XX/XXXX. I have screen shots of the calls as proof. Additionally, their representatives contacted my employers Human Resources ( HR ) department, which I have documented proof of an email from my HR director. This conduct is inappropriate and unacceptable. On XX/XX/XXXX, my vehicle was repossessed without prior resolution despite my consistent history and past practice of making payments within the same month since the inception of my loan in XXXX. I retrieved the vehicle the following day and was charged a {$500.00} repossession fee, which I was told would be deferred to the end of my loan. This has not been honored. Instead, payments I make are being incorrectly applied toward this fee rather than my monthly obligation. On XX/XX/XXXX and XXXX, XXXX, I requested cancellation of a scheduled payment set for XX/XX/XXXX. I was assured twice by Westlake Financial representatives that the cancellation was completed. Despite this, an unauthorized ACH withdrawal of {$670.00} was processed on XX/XX/XXXX. As a direct result of this error, my bank account became overdrawn, resulting in {$350.00} in overdraft fees. Although a refund request was submitted ( Reference # XXXX ), the funds have not been returned in the 1-2 day timeframe promised, and I have incurred additional financial harm. Due to this ongoing negligence, I have been forced to file a dispute with XXXX XXXX ( Claim # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX was at XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX Pa XXXX using an XXXX XXXX atm. I deposited {$800.00}, {$250.00} was spit back out, started recounting, an error came up and said cancel and the money didnt come back out nor did it go to my bank. I spoke to a teller connected to the atm and he stated I had to make a dispute with my bank which is navy federal. I did just that and now they saying I havent giving enough info where I sent th picture of the atm I sent the only info on the atm I gave them the email address XXXX XXXX gave me for them to contact them and they still saying they dont have enough to investigate my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am demanding an immediate deletion of this account ( No : XXXX ). Santander Consumer USAs own records prove the reported balance is inaccurate and based on a fundamental math error. An auction Bill of Sale dated XX/XX/year> shows my vehicle was sold for {$11000.00}, but the companys internal payment ledger shows a credit of only {$9900.00} applied to my balance. This is a material discrepancy of {$1100.00} that Santander has failed to explain or correct despite multiple direct requests for a proper accounting. Furthermore, the creditor is furnishing contradictory data to the bureaus by reporting the account as both " Open '' and " Charged Off '' at the same time. Since Santander can not provide a consistent or accurate balance following the sale of the asset, they have failed to meet the " maximum possible accuracy '' requirements of the Fair Credit Reporting Act. Because the account is unverifiable and mathematically incorrect, it must be removed from my credit reports entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
There was a problem with my home insurance, they cancelled it because I did a claim, but did not advise me, then my mortgage company XXXX XXXX ( XXXX XXXX XXXX ) insured my home with a very expensive insurance {$5200.00} that I think it should not be authorized, because it is more than doble that I usually pay {$1700.00}, I cancel inmediately but they charged me for 3 months anyway. The company they use was XXXX XXXX. Is there a way to change mortgage companies? or I will have to refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail with receipt displaying my signature. If not. please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BCION, A DIVISION OF ION BANK
State: RI

Complaint narrative:
Since day one of getting the XXXX from XXXX XXXX XXXXXXXX Ive been lied to and get no help whatsoever from the lender and the car dealership I got this XXXX and it was supposed to be in my business name but the dealership stated I can change it from my daughters name to the business within 2 months and they will help me do so I went back and forth with them for months to this day still no help the lender wants to repo the XXXX I got a check from canceling the warranties and it was for {$7000.00} I spoke to somebody from BCI financial, which I have recorded and they stated I can use the money towards payments I owed so I can be up to date thats what I did they took it upon themselves to take it all towards the principal I spoke to the collection XXXX XXXX or XXXX not sure his name and I explained my situation and he was so rude they say they record the conversation so I hope it can be brought up he wished harm on me that I hope I get everything that comes to me is what he stated instead of trying to help he sends threats and continue to treating with police and harm I want to send in the payments but he was no help and rude Im asking for advice and to stop the repossession on this vehicle I should be up to date on this Im getting harassed everyday instead of them trying to help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am disputing the reinsertion of a previously deleted collection account from IQ Data International. This account was removed from my credit file following a prior dispute. It has now been reinserted. I am filing a complaint regarding the improper reinsertion of a previously deleted collection account from IQ Data International. I did not receive any notice within XXXX days of reinsertion, nor have I been provided documentation verifying the accuracy of this account or my legal liability. Additionally, this account is connected to a disputed rental situation in which I was not residing at the property at the time of default and was never properly served in any related legal matter. Also included documentation to IQ Data that verified and reviewed the information given to them that I was not a resident at that time. I am requesting : Proof of compliance with reinsertion requirements under FCRA Documentation verifying the accuracy of this account Immediate removal if proper procedures were not followed This issue is causing ongoing harm to my credit profile and housing opportunities. Under the Fair Credit Reporting Act, I am requesting : Proof of certification of accuracy for this reinsertion Documentation showing compliance with reinsertion requirements Verification of the original lease agreement and my legal liability If this can not be provided, this account must be removed immediately. This reinsertion is causing ongoing harm to my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX I emailed the Loan Servicing Dept at CrossCountry Mortgage, after having called them multiple times and left messages during the prior XXXX weeks, and attempted to reach out to an agent via their chatbot on their website. In the email, I asked if it would be possible to remove the escrow on my mortgage, given that I have 8 % equity in my home, have not missed a mortgage payment for XXXX years, and due to escrow, my monthly payments have gone up by more than $ XXXX. My understanding is we could do an internal reappraisal and if I meet or exceed 10 % equity, the impound ( escrow ) account could be removed. I asked for someone to contact me to see if this was possible. Since then I have only gotten automated replies. I emailed again on XX/XX/XXXX and got an automated reply with a " Research Reference '' Number : XXXX. It is now XX/XX/XXXX and I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
XXXX XXXX this was reported XXXX different accounts XXXX that Im completely unaware of. They have sold all my information to a third party which is way point resource group llc

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service Company
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
the following inquires do not belong to me and i am requesting chexsystems to delete, remove and suppress them from my chexsystems report california XXXX XXXX XXXX, XXXX payments/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a part of XXXX, XXXX XXXX all XXXX inquires so not belong to me, XXXX XXXX, XXXX XXXX XXXX XXXX and 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 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WV

Complaint narrative:
I am filing a complaint regarding an inaccurate collection account being reported on my credit file. The account was originally reported by XXXX and has since been transferred or sold to Harris & Harris XXXX This account does not belong to me. I have no knowledge of this debt and have never entered into any contractual agreement related to this account. I previously disputed this account, and instead of correcting the error, it was transferred to a third-party collection agency and re-reported. This appears to be a mixed file or identity error. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate account be immediately removed from my credit report. This continued reporting of inaccurate information is causing harm to my credit profile. I am requesting a full investigation and immediate deletion of this account from all credit reporting agencies. Please confirm once this account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On [ XXXX ] at approximately [ XXXX XXXX EST ], I attempted to deposit approximately {$590.00} in cash at a Bank of America ATM located at XXXX XXXX XXXX, XXXX, GA XXXX to pay my credit card bill. After inserting my cash, the ATM returned one {$20.00} bill stating it was unable to process it, then froze for approximately XXXX minutes before resetting to the welcome screen. No receipt was issued and no transaction posted to my account. I contacted customer service and was directed to visit the branch. The branch directed me back to customer service. Customer service opened a dispute and stated resolution would take up to 2 business cycles. Within a week I received a notification that the dispute was closed with a finding of unable to locate the {$590.00}. When I called to request explanation or escalation, I was told this was the final resolution with no detailed explanation of whether the ATM was physically audited or what evidence was reviewed. I am requesting a full investigation including ATM camera footage review, physical audit records, and a detailed written explanation of how this determination was made. I am seeking the return of approximately {$570.00} ( after the {$20.00} returned by the machine ).

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 monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company
State: TX

Complaint narrative:
XXXX showed a new collection on my account. I reviewed it and it is a repeat of a collection that is already showing on my account, so it is a duplicate and now showing XXXX and lowered my score even more. On top of that the original collection is not valid as my insurace paid the account previously. My insurer says account paid but creditor says it is not. At any rate, I gave up on trying to get the original collection removed but would really like this duplicate to disappear off account.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Company Name : XXXXXXXX XXXX XXXX XXXX XXXX Product : Money transfer, virtual currency, or money service Issue : Account closed or frozen Complaint Description : On XX/XX/year>, I successfully completed a money transfer to XXXX via my XXXX account ( associated with email : XXXX ). This is a long-standing account containing years of financial records, bank details, and transaction history. On XX/XX/year>, I discovered I could no longer log in. I attempted a password reset, but no email was ever received. When attempting to log in via the linked PayPal accounta method I have used for yearsI received an error stating it was a " business account '' and could not be used. Following XXXX 's system prompts, I created a new XXXX PayPal account using a different email address to attempt a login. While this allowed me to access a 'new " XXXX account, none of my historical data, bank records, or past transaction receipts from XXXX were present. This confirms that my original accountcontaining years of sensitive financial informationhas been orphaned or disconnected without a way for me to retrieve my data. I spent over an hour on the phone starting at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, speaking with both XXXX and PayPal ( specifically a representative named XXXX XXXX. The two entities provided conflicting information : XXXX XXXX : ( several, the last one was named XXXX XXXX claimed my account was " closed '' by PayPal and insisted they had no control over the closure or the data. -PayPal Representative : explicitly stated that PayPal did not close the account, has no access to Xooms internal records, and can not see the account status. As of now, my accountcontaining sensitive financial data and years of receiptshas vanished without a single notification, confirmation email, or explanation. I am deeply concerned about a potential security breach or unauthorized account takeover, yet both companies have denied accountability. I have formally requested my Data Log and a written confirmation of closure/reasoning from XXXX, which remains unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I discovered multiple unauthorized transactions on my account that I did not make. The activity involved both XXXX XXXX ( two transactions ) and XXXX XXXX XXXX XXXX ( the remaining transactions ). I confirmed directly with XXXX XXXX that the two transactions did not originate from my XXXX XXXX account. They have opened an internal investigation under Case Number XXXX and verified that the activity is not tied to my profile. Around the same timeframe, my debit card PIN was changed without my authorization. I did not request or approve any PIN change, and I was not actively logged into my account when this occurred. This is a clear indication that my account was compromised. Additionally, my debit card was not in my possession at the time of these transactions. I had been primarily using XXXX XXXX and initially believed the card was misplaced, but it became clear it was being used without my knowledge. I immediately reported the issue to my bank and submitted a dispute. I provided all relevant details, including the unauthorized PIN change, the fact that the card was not in my possession, and confirmation from XXXX XXXX that the transactions were not authorized. Despite this, the bank repeatedly denied my claim and stated that the transactions were valid without providing any explanation of how that determination was made. I have contacted the bank multiple times requesting a proper investigation, clarification on how the transactions were verified, and assistance securing my account. Instead, I have consistently received generic, repeated responses that do not address my concerns. The customer service experience has been extremely poor, as representatives have not attempted to explain their findings, assist with account security, or acknowledge the evidence I have provided. At no point did the bank proactively guide me on securing my account, even after I reported unauthorized activity and an unauthorized PIN change. This has left me with serious concerns that my account is not secure and that my issue is not being handled properly. Due to the banks lack of transparency, failure to conduct a thorough investigation, and failure to ensure the security of my account, I have escalated this matter. I have also filed an identity theft report and submitted all supporting documentation.

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 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: NC

Complaint narrative:
I am in a dispute with an HOA management company over road maintance fees for shared roads. During these disputes, I withheld payments as a last resort and they submitted me to a debt collection agency, Schwartz Vays. These disputes are ongoing, but Schwartz Vays have made it abundantly clear they will continue to charge interest and I am feeling intimidated and coerced into paying these off and seeking compensation from the management company later. However, the debt has nearly double from {$600.00} to {$1000.00} due to a " Collection Fee '' that was charged the day they took over the debt. This felt excessive, so I reached out to them on XX/XX/year> to ask for an in depth explanation of what this debt covered. After about XXXX minutes of back and forth, I was told that they could not provide me with more details on what the {$400.00} of costs was.

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