vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is for an HSA account. My deceased husband and I contributed to an account at HSA Bank for many years. When my husband passed away 5 years ago, Hsa Bank was one of many entities notified via mail. No one contacted me so I assumed all was well for me to use my money. This past XX/XX/XXXX, HSA Bank issued new debit cards with a 2 month expiration date which prompted me to call. At that time, I also asked that they stop sending cards to my husband as he is deceased. They were surprised and said someone would be contacting me. No one did. In XXXX of XXXX I contacted them again because now I could no longer use my HSA savings to pay for bills. Every day in XXXX and now XXXX, I have emailed, spoke on the phone, filled out forms, and even changed my regular checking account name at the bank to exactly match HSA bank as was instructed by HSA Bank. As of today XX/XX/XXXX, the funds from the joint account are still not in a new account that has my name only. I can not add my regular checking account to the newly set up account for transfers either. They have in essence stolen my years of saving for medical needs in retirement. They will undoubtedly reply to this complaint falsely as they have to me repeatedly over the past months. This ongoing issue has caused me financial issues, and health issues on top of it. I can no longer keep calling and listening to their false info and I will no longer do whatever they ask since is is a complete waste of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Request for Full Discharge of Student Loans Due to Navient 's Misleading and Unlawful Practices. In XXXX of XXXX, while earning my XXXX XXXX XXXX at XXXX XXXX, I had to leave school and was on medical leave for 6 months after a XXXX XXXX XXXX XXXXXXXX. My payments to Navient were {$310.00} per month. I called the customer service line for Navient and requested a lower payment since I was currently on medical leave. I provided an FMLA letter and any requested medical records. I was told that there weren't any options because it was a private loan. Instead of paying my rent while I recovered, I paid my student loans with the reduced paychecks because of FLMA. I had to move out of my apartment while healing from XXXX. My father was also the co-signer of that loan, and he made payments, but they were not being applied towards the account in the total of XXXX dollars per month, and neither he nor I was ever told that my loan was in default until XXXX. While payments were being made, the balance never changed on the Navient website or letters. I am writing to formally request the discharge of all student loans held by Navient due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 

Navient misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, Navient has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which Navient has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). Navient 's conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on Navient 's advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
I am the lessee of a XXXX vehicle currently subject to XXXX active XXXX safety recalls involving fire risk and loss of power, including : A high-voltage battery fire risk that instructs the vehicle must be parked away from buildings and other vehicles A XXXX engine contamination defect that can cause engine failure, vehicle fires, and sudden loss of power These are not minor defects. They are manufacturer-acknowledged safety hazards that make the vehicle unsafe to operate and unsafe to store, and materially impair the vehicles use, safety, and value. 

Despite this, Stellantis Financial Services has refused to allow a no-fault lease termination or otherwise release me from my financial obligation for a vehicle that can not be safely used or stored. 

When I contacted Stellantis Financial Services to request a safety-based early termination, I was met with hostile and dismissive treatment, by a manager identifying herself as " XXXX '' and told they would not assist before making threatening statements about early termination " harming your credit ''. 

I separately contacted FCA ( the manufacturer ), and FCA refused to offer a buyback despite the vehicle being under multiple fire-risk recalls.

This has left me in an impossible position : I am being forced to continue paying for a leased vehicle that the manufacturer itself has declared unsafe.

This situation represents : Unfair and deceptive practices Breach of the implied warranty of merchantability Failure to provide a usable product for which payment is required Financial coercion by forcing continued payment for a dangerous product The vehicle can not be lawfully or safely used as intended. Stellantis Financial Services is still demanding payment for a vehicle that can not safely be parked, operated, or relied upon. 

This violates fundamental consumer-finance protections because a lease is a financial product tied to the use of a functional, safe asset. 

A consumer should not be forced to continue paying for a product that the manufacturer has officially declared unsafe.

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 2026-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I processed a refund through XXXX back to my CashApp card which take 1-5 business days to be received. After waiting almost XXXX weeks, XXXX provided tracking information on the refund and various other documentation proving that the refund was processed the same day as my request and was returned to CashApp the same day. 

After receiving this information, I spoke with a manager at CashApp who informed me that they did not see the refund in my account and that they can not and will not try to trace or locate the refund/deposit. When I asked to be forwarded to an account specialist, they refused to do so. 

Further, the manager also indicated that she and the other managers and customer service agents are not able to assist with these type of issues and can only relay information that they see on my account. They can not search for, expedite or assist with any issues as they relate to a CashApp account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IA

Complaint narrative:
I sent a request for validation in accordance with 15 USC 1692g Sec. 809 ( b ) to the address National Credit Systems has listed on my credit reports as their address, that was received by the company on XX/XX/year> and signed for by XXXX. XXXX, an employee of the company. As of this date, National Credit Systems has chosen not to follow Federal law and respond to my request for validation. I have reached out to XXXX XXXX who own XXXX XXXX XXXX, the property that National Credit Systems claims to represent. Employees of XXXX XXXX claim that National Credit Systems in no way represents them and they have no knowledge of, and have not authorized this collection effort. I have no contract with National Credit Systems to pay them anything nor have I ever. My request for validation included also, a request showing a Court ordered judgment was entered which would be required under Iowa law to collect on this type of debt. This request also was ignored. Since the original creditor claims no affiliation with National Credit Systems whatsoever, I fail to see how this organization is attempting to collect anything. Not legally at least.

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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Debt Validation Original Creditor : XXXX XXXX XXXXXXXX. 
Alleged Account Number : XXXX To Whom It May Concern, I am writing in response to your reporting and/or collection of the above-referenced account. This letter is not an acknowledgment of liability, nor is it a refusal to pay, but a request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide proper validation of this alleged debt, including but not limited to : The exact amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges The name and address of the original creditor Documentation proving I am legally obligated to pay this debt Proof that Portfolio Recovery Associates , LLC has the legal authority to collect this debt, including evidence of assignment or purchase of the account A copy of the original signed contract or agreement associated with this account The date of the last payment and the date of first delinquency Until this requested validation is provided, I request that all collection activity cease, including any reporting or updating of this account to consumer reporting agencies. 

If you are unable to provide the requested validation, you must promptly delete this account and cease all collection efforts in accordance with the FDCPA. 

Please provide all correspondence in writing only. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This complaint is against Comenity Capital Bank, issuer and servicer of a Carters retail credit card account. 

I opened the account by purchasing {$110.00} usd in carters store in XXXX XXXX  around XXXX XXXX but did not receive the physical credit card or the initial billing statements for the first month. The first statement I received arrived in XX/XX/XXXX showed a statement closing date of XXXX XXXX of {$110.00} ( see payment ) On XX/XX/XXXX, the same day as the statement closing date, I paid the full balance of {$110.00}. Despite this payment, the bank assessed late fees and listed a payment due date of XX/XX/XXXX, including a {$30.00} late fee, even though the total balance had already been paid. 

By XX/XX/XXXX, I was contacted by the banks collections department and informed that I owed {$63.00} in late fees ( {$30.00} + {$37.00} see image ). During a recorded call, the collections representative agreed to waive the initial {$30.00} late fee due to the banks failure to deliver the card and statements to my house and I had to pay the remaining {$37.00} as agreed. I also canceled the account on the same call. The payment for the remaining {$37.00} was done in XX/XX/XXXX see image Despite this agreement and payment, the bank continued to report the full {$67.00} balance as owed, failed to apply the promised {$30.00} waiver, and continued assessing additional late fees in XXXX on a canceled account. 

In an effort to resolve this matter I called several times and nobody really was able to resolve the issue. I felt obligated to send a written dispute letter to the banks XXXX XXXX at the beginning of XX/XX/XXXX, however on XX/XX/XXXX, Comenity Capital Bank responded stating that they were unable to process my request and instructed me to contact their customer service team by phone at XXXX. See image The bank contacted me once by phone around that XX/XX/XXXX, however, the issue was not resolved during that call and the representative hanged the phone up and never called me back. Today XX/XX/XXXX, i received another statement saying I have a new balance {$110.00}. I contacted customer service again and was told that I must continue waiting, I say that how I should wait while late fees continue to accrue. 

I have made multiple good-faith attempts to resolve this issue directly with Comenity Capital Bank through written correspondence and phone calls, without resolution. 

I am requesting that all improper late fees be removed, the balance be corrected to {$0.00}, and that the account be confirmed as closed with no negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Hello, I am writing to formally dispute errors related to the foreclosure of my property serviced by Freedom Mortgage in the XXXX of Texas. 

During recent communications, including a call with a supervisor, I was informed that Freedom Mortgage would not conduct an investigation into my dispute and was told that all required foreclosure notices were sent. I dispute this assertion. I did not receive the required notices, and no proof of mailing or documentation has been provided to support Freedom Mortgages claim.

Under Texas Property Code 51.002, strict compliance with foreclosure notice requirements is mandatory prior to a non-judicial foreclosure. This includes, but is not limited to : - A Notice of Default and Intent to Accelerate, sent by certified mail and allowing at least 20 days to cure ; - A Notice of Sale, sent by certified mail at least 21 days prior to the sale, and properly posted and filed as required by law ; - Clear identification of the party with legal authority to foreclose. 

Unsupported statements that notices were sent do not satisfy Texas law. 

Accordingly, I am formally disputing the validity of the foreclosure and requesting the following in writing : 1. Copies of the Notice of Default and Intent to Accelerate 2. Copies of the Notice of Sale 3. Proof of mailing for each notice, including certified mail receipts, tracking numbers, and mailing dates 4. Identification of the current loan holder/beneficiary 5. Documentation establishing Freedom Mortgages authority to foreclose 6. A complete payment and transaction history for the loan Please consider this correspondence a formal notice of error and demand for investigation. Refusal to investigate a disputed foreclosure error and misrepresentation of compliance with Texas law will be documented and escalated to the appropriate regulatory authorities. 

Nothing in this letter shall be construed as a waiver of any rights or remedies available to me under Texas or federal law. I request a written response within the time required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was told by XXXX  and/or SYNCB that I went to Walgreens on a specific date and applied for a credit card, when in fact I did not. I had been to Walgreens around that time but it was not the date they gave and I did not apply for a credit card. I did not give anyone authorization or permission to run my credit or to submit a hard inquiry on my credit report. I have been trying to get this situation rectified with XXXX  and the credit card company SYNCB connected to Walgreens but from XX/XX/year> up until now, it is still on my credit.

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 2026-01-13 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: VA

Complaint narrative:
Navy Federal Credit Union denied my credit card dispute for a returned defective item despite proof that the merchant accepted the return and issued a return receipt. 

I purchased boots from XXXX for {$300.00} on XX/XX/year> and returned them in-store on XX/XX/year> due to a defect. The store inspected the boots, accepted the return, and provided a return receipt. The merchant later voided the refund and refused to return my money, offering instead to give the defective boots back. 

I submitted the purchase and return receipts and phone call documentation to Navy Federal. Navy Federal closed the dispute stating the merchant did not violate its return policy, leaving me without a refund even though I returned the merchandise and the merchant retained it. 

I am requesting that Navy Federal conduct a higher-level review of the dispute handling and provide an explanation of why the return receipt and proof of merchant acceptance were not sufficient to support a refund/chargeback, and provide appropriate relief ( credit for the transaction ). 

Key facts : Amount : {$300.00} Merchant : XXXX ( XXXX XXXX XXXX XXXX ) Purchase date : XX/XX/year> Return date : XX/XX/year> Evidence : purchase receipt, return receipt, call logs Dispute case : XXXX

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Re : Credit Collection Services ( CCS ) Consumer : XXXX XXXX Account No. : [ XXXX ] Dear Sir or Madam, I am disputing an account being reported by Credit Collection Services on my credit reports. CCS has failed to provide proper documentation showing that I owe this debt or that they have the legal authority to report or collect it. 

This account continues to be reported as accurate despite my dispute, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). Reporting unverified or inaccurate information is harmful to my credit profile. 

Because CCS has not provided competent validation, I am requesting that this account be deleted from all consumer reporting agencies immediately. 

I respectfully request that the CFPB investigate this matter and require Credit Collection Services to remove this inaccurate tradeline from my credit reports. 

Thank you for your assistance. 

Sincerely, XXXX XXXX [ XXXX XXXX AL, XXXX ]

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: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX XXXX XXXX managed by Carrington on XX/XX/XXXX. It seems that they have lost my XXXX payment for XXXX. I have sent them proof and both XXXX XXXX and Carrington have acknowledged that the payment was sent to them but they are still showing it as a missing payment. Im not sure what else I can do. I have already spent hours in the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year>, I was the victim of a fraudulent rental scam after responding to a listing on XXXX XXXX. The individual falsely represented themselves as a licensed broker and induced me, through misrepresentation and coercion, to send {$640.00} via XXXX XXXX to hold a rental property that ultimately did not exist. 

Immediately upon discovering the fraud, I contacted U.S. Bank and filed a dispute for the unauthorized and fraudulently induced transaction. U.S. Bank issued a provisional credit but later reversed it, concluding that the transaction was authorized solely because I used XXXX XXXX, without adequately considering the fraudulent circumstances, misrepresentation, or coercion involved. 

During the dispute process, I repeatedly requested a detailed explanation of how Regulation E was applied, what investigative steps were taken, and copies of any documentation relied upon in denying my claim. U.S. Bank did not provide meaningful investigative findings, supporting documentation, or a clear explanation demonstrating that a reasonable investigation occurred, as required under Regulation E ( 12 CFR 1005.11 ).

I was not given a fair opportunity to submit all evidence, including screenshots of communications, transaction attempts via XXXX, and proof of the fraudulent scheme. Despite escalating the issue multiple times and submitting a written appeal to the Office of the President, my dispute was closed without transparency or proper evaluation of the fraud.

I believe U.S. Bank failed to conduct a reasonable investigation, improperly treated a fraudulently induced transaction as authorized, and did not comply with its obligations under Regulation E.

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