vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Hyundai Capital America ( operating as Hyundai Motor Finance ) is in direct violation of the Uniform Commercial Code ( UCC ) regarding the repossessed XXXX XXXX XXXX ( XXXX : XXXX ). The vehicle was repossessed in XX/XX/XXXX. Under state law, the lender was strictly required to issue a statutory pre-sale Notice of Intent to Sell / Right to Redeem. XXXX XXXX failed to send any such notice to my address. Instead, they held the vehicle for more than 7 months, transporting it across state lines from XXXX to XXXX XXXX XXXX on XX/XX/XXXX, to liquidate it without a clean title trail.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Herbert P. Sears Co., Inc.
State: GA

Complaint narrative:
HP Sears is reporting a collection account on my XXXX credit report for XXXX College with a balance of {$5300.00}. This is an educational debt. Under CFPB guidance and the FCRA, educational debts require the furnisher to provide enrollment verification and a signed promissory note or enrollment agreement. HP Sears has provided me with no such documents. I have no recollection of this debt, and I have not received any verifiable proof that I enrolled in XXXX College or signed any loan agreement that would lead to this collection. Without a signed enrollment agreement or promissory note, this account does not meet the legal standard for accurate credit reporting. I request that HP Sears be required to produce the original enrollment contract bearing my signature. If they can not, the account must be deleted.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates has RELENTLESSLY been calling me trying to collect on a debt. They call at all hours, multiple times a day. They call EVERY DAY. Even on Sundays and ridiculous hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc.
State: OK

Complaint narrative:
" On XX/XX/year>, I used the SoLo Funds platform to fund a loan in the amount of {$600.00} to a user registered as XXXX XXXX '. The repayment period has expired, and I have not received my money back. Due to the lack of response and irregularities on the platform, I believe I have been the victim of a scam/fraud. I request the intervention of the authorities to investigate this situation and demand the full refund of my {$600.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a victim of an organized online grand larceny and merchant fraud ring. I am filing this complaint because Navy Federal Credit Union failed to properly investigate a major merchant fraud event under the Fair Credit Billing Act ( FCBA ) and Visa Core Rules. On XXXX XX/XX/year>, I attempted to purchase an outboard motor for {$6300.00} using my XXXX XXXX XXXX card. The transaction went through a deceptive XXXX XXXX provided on the merchant 's checkout page. The merchant never delivered the motor. It was a complete scam. Navy Federal summarily denied my initial dispute because the scammer uploaded a fraudulent " Proof of Delivery '' document. Upon investigation, I discovered that the shipping carrier listed on the document is entirely fictitious. The carrier does not exist, its website is a shell, and its phone number is disconnected. Furthermore, the merchant has deleted their website and disconnected their phone number. Logistically, the item purchased is a heavy XXXX engine weighing XXXX pounds. A delivery of this magnitude legally and operationally requires specialized freight infrastructure, a liftgate, and a signed Bill of Lading from the recipient. The document accepted by XXXX XXXX contains absolutely no delivery signature and no photographic proof of drop-off. It is physically impossible to deliver a XXXX industrial item via a non-existent carrier without a signature or receiving party present. I have filed an official criminal report with the XXXX XXXX XXXX XXXX Department. ( Case Number : XXXX ). I also possess a notarized legal statement from my certified professional installer confirming that no delivery was ever made to the property. I request that the CFPB compel Navy Federal to manually review this clear evidence of logistical impossibility and forgery, reverse this charge, and protect its member from blatant criminal fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I needed to send gas payments and electric payments to my college roommates. In the notes, I mistakenly put the XXXX XXXX as a geopolitical joke regarding how more expensive gas was that month. Later that day, I again mistakenly put on notes " NOT for XXXX '' for the electric bill, since my previous payment got pending. This locked my entire cash app account and I couldn't receive, withdraw, or pay. I knew it was because of a filter that detected that some transactions could be flagged for potentially violating their terms and conditions regarding foreign sanctions. However, those payments are within US citizens and domestic. I have reached out to them five times already, within the span of XXXX months. Each time, they told me exactly what happened and that it would be fixed within five business days. My entire account and all my funds there have been illegally neglected, according to their own policy -- and never received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XX/XX/XXXX : My homeowners insurance carrier issued and sent a renewal premium bill to Freedom Mortgage in the amount of {$2200.00} for payment through my escrow account. On XX/XX/XXXX, both my insurer and Freedom Mortgages insurance department confirmed that this bill was received. However, the premium was not paid, and I received no notice from Freedom Mortgage that payment had not been made or that my policy was at risk of lapsing. As a result, the policy lapsed. XX/XX/XXXX : Nearly XXXX year later, I received my first notice indicating that I may not have homeowners insurance coverage on the property. I immediately obtained replacement coverage through XXXX, effective XX/XX/XXXX. XX/XX/XXXX : I received a second notice stating that insurance coverage was still not reflected in the system. I contacted Freedom Mortgage and was advised that my new policy was active, paid, and properly in effect. XX/XX/XXXX : I received my first notice regarding alleged lack of coverage for the period of XX/XX/XXXX through XX/XX/XXXX. This prompted my call to Freedom Mortgages insurance department on XX/XX/XXXX, during which I was informed that the renewal premium had not been paid and that a dismissal request for the force-placed insurance coverage was being submitted. XX/XX/XXXX : Despite the above conversation and pending dismissal request, I received notice that force-placed insurance had been purchased for the uninsured period at an annual premium of {$5000.00}. This prompted my follow-up call on XX/XX/XXXX and the initiation of the current investigation that was being led by XXXX on the Freedom Mortgage insurance team. I was promised a call at XXXX XXXX on XX/XX/XXXX with updates on the case. XX/XX/XXXX : After failing to receive a call from the insurance team, I called in for updates. I was told that additional escalation was submitted but that no time frame for a callback could be provided.. To summarize, my insurer issued and sent the renewal premium bill to Freedom Mortgage for payment through escrow. The premium was not paid, no timely notification regarding non-payment or lapse risk was provided to me, and I was not informed of the coverage issue for nearly a year. Based on the information currently available, this appears to involve a servicing failure related to escrow disbursement handling and lapse notification procedures, resulting in significant financial harm through the placement of substantially more expensive force-placed coverage. This coverage remains in effect today and is being accrued daily, continuing to provide financial 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 2026-05-20 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: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Since filing this complaint, I have received two additional communications from Shellpoint Mortgage Servicing, both identical generic form letters from the " Customer Care Team '' dated XX/XX/year>. Neither letter acknowledges my loss mitigation request, addresses the RESPA violations I cited, or responds to any of my five specific requests. Both letters simply restate the identity of the loan investor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which was not in dispute. To summarize the full timeline of Shellpoint 's non-compliance : XX/XX/year> : I submitted a written loss mitigation request via email to XXXX requesting a XXXX forbearance with a payment deferral exit option, citing 1024.41 and requesting acknowledgment within 5 business days. No response was received. Prior to XX/XX/XXXX : A Shellpoint phone representative told me I must be 90 days delinquent before requesting assistance a statement with no basis in federal law that would have caused me to deliberately default had I followed it. XX/XX/year> : I sent a formal Notice of Error via certified mail to Shellpoint 's designated address, citing 12 C.F.R. 1024.35 and 1024.41, renewing my loss mitigation request, and demanding acknowledgment within 5 business days and a substantive response within 30 business days. Approximately XX/XX/year> : Shellpoint received the certified letter ( confirmed by return receipt ). XX/XX/XXXX and again approximately XX/XX/year> : Shellpoint responded twice with the identical generic Customer Care form letter. Neither response constitutes a compliant response under 12 C.F.R. 1024.35 ( e ). My wife begins unpaid XXXX leave on XX/XX/year>. My XX/XX/year> mortgage payment of {$5900.00} will be due in approximately 11 days and I will not have sufficient funds to cover it. I have made every good-faith effort to resolve this proactively and in writing. Shellpoint has repeatedly and demonstrably failed to engage with my loss mitigation request as required by federal law. I am requesting that the CFPB escalate this complaint and compel Shellpoint to provide a substantive written response to my loss mitigation request immediately.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management is reporting a collection account on my XXXX credit report for an alleged XXXX XXXX XXXX debt of {$2000.00}. I have no contractual relationship with Credence. I requested validation under FDCPA 15 U.S.C. 1692g, and they failed to provide any original agreement with my signature. The account opened in XX/XX/year>. XXXX XXXX XXXX is a cellular provider cellular contracts do not always require a signed, written agreement that would be admissible in court. Without a signed consumer contract, Credence can not prove I am legally responsible for this debt. Under FCRA Section 611 ( a ) ( 1 ) ( A ), if information can not be verified, it must be deleted. I am asking for an investigation into whether Credence actually possesses any verifiable documentation linking me to this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
One debt collector sold the debt to another bent collector after I disputed XXXX XXXX XXXX Now, Halsted Finacial Services LLC Im writing because of the negative reports or attempts to report on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. System is reporting a collection account on my XXXX credit report for XXXX XXXX with a balance of {$210.00}. This account is marked " CLOSED. '' I have never received any validation notice from I.C. System as required under FDCPA 15 U.S.C. 1692g. They did not provide a 30-day validation notice, nor did they provide any proof of the original debt, such as a signed service agreement or billing statements showing my name and address. XXXX XXXX is a cable/internet provider. These accounts are often opened without a written, signed contract. Without a signed agreement, I.C. System can not legally report this as a valid debt on my credit report. I request that the CFPB require I.C. System to provide the original signed agreement or delete the account.

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 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Credit Acceptance for financing a predatory auto loan connected to a fraudulent vehicle sale. Here is what happened : Baitandswitch : I was shown one vehicle during the day, but after waiting until it got dark, the dealership switched me to a different car and pressured me to sign. Undisclosed defects : The car had electrical issues, a modified radio/GPS, and mechanical problems that were never disclosed. Fake warranty : The dealership gave me a warranty number that turned out to be invalid or fake. Negligent repairs : The car overheated immediately after their repairs and is currently broken again. Loaner damage scam : While my car was being repaired, they gave me a loaner. When I returned it, they falsely accused me of interior damage I did not cause. Price inflation : The dealership inflated the price from around {$18000.00} to over {$40000.00} through hidden fees and deceptive financing. Predatory loan terms : My weekly payments mostly went to interest ( $ XXXX per week ), and the balance barely moved. Failure to investigate disputes : When I disputed the account, Credit Acceptance dismissed my concerns as frivolous instead of investigating. I stopped paying because the car was defective, unsafe, and the loan terms were predatory. I am requesting : Review of the loan Loan reduction or cancellation Removal of negative credit reporting Investigation into the dealerships conduct This transaction involved multiple unfair, deceptive, and abusive acts ( UDAAP ), and I am requesting CFPB assistance.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This is a follow-up regarding my prior complaint about the alleged XXXX XXXX account being collected and/or reported by Caine & Weiner. The company responded by stating that they completed an investigation, believed the information was accurate, and would mail verification. However, no actual validation or supporting documentation was provided. The only document associated with this matter remains the original collection notice, which does not establish that I entered into any agreement, authorized the account, or owe the alleged balance. I continue to dispute this account in its entirety and request competent evidence supporting the claim, including documentation showing that I authorized or opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Company : Ally Bank Issue : Incorrect processing of bill pay / ACH payment processing error / funds misapplied Complaint Narrative : From XX/XX/year> through XX/XX/year>, I used Ally Bank 's Bill Pay service to make my monthly vehicle loan payments to XXXX XXXX XXXX XXXX in the amount of {$990.00} each month. During XXXX through XXXX, Ally processed these payments by mailed check, and XXXX XXXX XXXX XXXX received and applied them correctly to my vehicle loan account ending in XXXX. Beginning in XX/XX/year>, Ally changed the payment delivery method from mailed check payments to ACH/electronic payments. My XX/XX/year> and XX/XX/year> payments of {$990.00} each show within Ally Bank as processed and completed. However, XXXX XXXX XXXX XXXX informed me that my XXXX and XXXX payments were not credited to my vehicle loan account ending in XXXX. After investigation, XXXX XXXX advised that the payments were received but were deposited into another customer 's account ending in XXXX rather than my account. At this point, Ally Bank shows the payments as successfully processed, while XXXX XXXX XXXX XXXX acknowledges receipt of the funds but states they were misapplied to another account. Neither institution is taking accountability or providing a resolution. As a result : XXXX vehicle payments totaling {$1900.00} were not properly credited to my loan account. I have spent significant time attempting to investigate and resolve this issue. I am concerned about potential credit reporting impacts and loan delinquency resulting from payment processing failures outside of my control.

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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase did not properly investigate a dispute on my behalf as a customer for a long time I got tickets with XXXX XXXX through XXXX by now pay later. I contacted a supervisor that was very nasty over the phone. I want them to reopen the case and investigate this thoroughly. I have a right to cancel a ticket within XXXX hours of booking. I try to work directly with XXXX XXXX. And XXXX. I am very disappointed this needs to be investigated thoroughly and I also believe I was not given the proper credit because the merchant did issue me a refund of {$380.00}. When I looked at my account on XX/XX/XXXX I seen a reversal of {$380.00}. I did not receive any letter regarding the claim will be reversed when I contacted. XXXX they said we issued a refund to Chase I need this to be corrected ASAP. If this is not corrected, I will have to take this action to the small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: LA

Complaint narrative:
I received the loan amount of {$1500.00} at {$170.00} every week started XX/XX/XXXX and end XX/XX/XXXX and {$63.00} XX/XX/XXXX. When I applied I was working full time.. However my job is ending XX/XX/XXXX. I will not be able to continue to pay weekly payments of {$170.00} and continue to service my other household bills without being evicted and utilities turn off. It is going to be a great struggle for me.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a formal dispute regarding inaccurate and materially misleading credit reporting connected to financial hardship caused during a government investigation in which I was ultimately found not guilty. The issue did not only affect vehicle loans or leases, but also impacted my overall financial profile, including credit cards, loans, and other accounts due to the XXXX of financial assets and resulting financial constraints. I provided supporting court records, protective order documentation, and evidence of the circumstances involved. Despite this, the company issued a generic response without addressing the evidence submitted or explaining how the accounts were verified. They also failed to provide the requested method of verification, including records reviewed and parties contacted. I am requesting a proper reinvestigation, disclosure of verification methods used, and deletion of inaccurate or unverifiable negative reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation