vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: VW Credit
State: TN

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX regarding a defective vehicle and deceptive business practices. 
Vehicle Information : Year/Make/Model : XXXX XXXX XXXX XXXX : XXXX Claim # : XXXX ( XXXXXXXX XXXX XXXXXXXX ) Previous Case # : XXXX Since purchasing this vehicle, I have experienced persistent and serious mechanical issues that compromise its safety and reliability. Despite multiple repair attempts and a prior claim, the same problems continue to resurfacequalifying this vehicle as a lemon under applicable consumer protection laws. 
The dealership failed to disclose critical information, including : A prior crash history Repeated repairs to the console, radio, and sound system Major component replacements ( alternator, battery, fuel pump ) Additionally, during a recall service at XXXXXXXX XXXX XXXXXXXX XXXX, unresolved coolant and water pump issues were discovered. These omissions and failures reflect deceptive and fraudulent business practices. I have XXXX children and a husband, and none of us feel safe driving or riding in this vehicle. Currently, the vehicle requires a coolant and water pump replacement due to prior mechanical issues originating from XXXX XXXX XXXX. 
Requested Resolution : I am formally requesting one or more of the following : A full refund of all money paid toward the principal loan amount. 
That XXXX buy back the vehicle without coding it as a repossession. 
A fair cash settlement offer to resolve this matter promptly. 

I am asking XXXX to act responsibly and resolve this claim in good faith. Please assist in holding these parties accountable and ensuring consumer protection. Additionally and initially the truck was taken in for a recall on Tuesday, XX/XX/XXXX, the same day XXXX responded with water pump and coolant pump issues which was already replaced twice. According to Georgia 's Lemon Law, the defective vehicle should be repaired by the manufacture or repurchase the vehicle, yet XXXX has denied responsibility. I submitted a consumer complaint on Wednesday, XX/XX/XXXX. I then, received a generic response on Friday, XX/XX/XXXX from XXXX a regional case XXXX. Now, on XX/XX/XXXX, I received a generic response from XXXX XXXX XXXX department refusing responsibility. How is this even possible, especially while looking at the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have had numerous international withdrawals made from my account. I filed disputes but was denied being told that they were authorized. Most of the transactions were made while my card was locked and also had block international transfers turned on. Some of the company names seem made up. Upon searching the company name I have been unsucessful in locating information on them. Ive also noticed that one company will try to make the transaction and it is declined but followed by the same amount by a new company name and that one processes. The latest example would be on XXXXXXXX XXXX at XXXX pm by company called XXXX for {$35.00} which was declined. Immediately after XXXX XXXX receives the payment for {$35.00}. 

There are numerous declines and withdrawals from international addresses. A few company names are XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX and more. 

Several times I canceled my card and received a new one. It keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I am part of the XXXX XXXX XXXX because XXXX XXXX  was found guilty of deceptive and fraudulent practices. In XX/XX/XXXX, I was provided notification from XXXX XXXX XXXX XXXX that my loans were being XXXX. The XXXX  was swift and the loans were taken to negative balances on Aidvantage and removed from my credit report. The part I am extremely frustrated with is receiving an answer on my refund amount, expected completion date and initially to confirm I was qualified for the refund. I found the proof on tXXXX XXXX XXXX XXXX XXXX  website that I am to receive a refund. 

I have contacted Aidvantage on multiple occasions with absolutely no answers. I escalated to file a claim with XXXX on XX/XX/XXXX after another bleak response from Aidvantage. The response I received was it is being worked on and this process should take a few months. We are just a couple of weeks away from the year mark and have not received any further information on our refunds. I am in XXXX XXXX  for this XXXX and the last update to my account was in XXXX ; yet I have not received my refund. I find it incredibly discouraging as this is a significant amount of money. I was on time with my payments and if I took over a year to get them an answer, I'd be in default and liable for all interest with my credit ruined. There needs to be some form of accountability to these service providers who are keeping the funds in their accounts gaining interest off of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I

am disputing inaccurate and inconsistent balances, improper fees, and misleading collection activity related to a repossessed and sold auto loan. My vehicle was repossessed on or abou
t XX/XX/XXXX, at a time when I was approximately 22 days late. After repossession, Santander continued to treat the loan as active in its online system, repeatedly displaying conflicting past-due amounts including {$1200.00}, {$2000.00}, and {$2900.00}.

Santander added repossession and sale-related fees before the vehicle was sold, and those fees appear multiple times in the transaction history as both charges and reversals. This caused fluctuating and misleading balances in the online account portal.

The vehicle was sold on XX/XX/XXXX. Santander later mailed a deficiency notice dated XX/XX/XXXX, which I did not receive until XX/XX/XXXX. That notice claims a deficiency balance of {$3200.00}, yet Santanders online system continued to show different balances at the same time, including a remaining balance of {$1300.00}. 

Since XX/XX/XXXX, Santander has contacted me daily by phone attempting to collect amounts that were inconsistent with the written deficiency notice and inconsistent with the online account history.

Additionally, Santander continues to report a balance of approximately {$20000.00} to the credit bureaus even though the vehicle has been sold and the account is closed. This balance does not reflect the alleged deficiency amount and is inaccurate.

I believe Santander failed to properly reconcile the account after repossession and sale, continued billing improperly, assessed questionable fees, and reported incorrect information to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding improper servicing of my mortgage loan by Mr. Cooper, including misapplication of payments, mishandling of a disaster-related forbearance, and conflicting and inaccurate information regarding my eligibility for loss mitigation. 

In or around XX/XX/XXXX, I was granted a forbearance related to a declared disaster. I was informed that missed payments would be added to the end of my loan and that no lump-sum payment would be required. I relied on this information in good faith. 

Despite this, my payments were later placed into a suspense account rather than applied to my loan, and my account began showing as delinquent. I continued making payments, but they were not properly credited. I was then told that I was not eligible for modification because I was allegedly not delinquent enough even though my account was simultaneously being treated as past due. 

This contradictory handling has resulted in : Incorrect delinquency reporting Accrued late fees and penalties A rapidly increasing balance not reflective of actual missed payments Conflicting and inaccurate information regarding modification eligibility I have made multiple attempts to resolve this directly with the servicer and have submitted a formal Notice of Error. Despite this, the issues remain unresolved. 

I am requesting the following corrective actions : 1. A full and accurate accounting of all payments received and how they were applied 2. Correction of any misapplied or unapplied payments 3. Removal of improperly assessed late fees and penalties 4. Review and correction of my loan status related to forbearance and loss mitigation 5. A clear determination of my eligibility for modification or other relief based on accurate information 6. Written confirmation of all corrections made I am not refusing to pay my mortgage. I am requesting that my payments be properly applied and my account accurately serviced in accordance with federal servicing regulations. 

Additionally : After submitting my Notice of Error and while this issue remains unresolved, Mr. Cooper has now returned a mortgage payment that was submitted and paid on XX/XX/XXXX. 

I have consistently attempted to make payments in good faith. The servicers decision to return funds while simultaneously claiming the account is delinquent further demonstrates improper servicing and prevents me from bringing the account current. 

I am requesting immediate clarification and correction of my account status, including written explanation for why payments are being refused while delinquency is alleged.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Im literally trying to call suncoast to report suspicious activity on my debit card. Upon calling, after 10 minutes of prompts and the system hanging up on me twice, i finally get a live person. He immediately met me with sarcasm. I asked him for a supervisor and he made a snarky remark. ( Just pull the call logs and you'll hear it. ) He put me on hold for over 20 minutes as a vindictive act for asking for a supervisor. This is absolutely unacceptable. My lively hood is literally in the balance and my bank thinks its okay to treat there customers like garbage. Now my card is in danger of further fruadently activity and I cant even call to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Was to pay off my mortgage and was advised that XXXX XXXX  can only take a wire transfer or mailed certified check. I went to my TD Bank on XX/XX/year> at XXXX am and completed the wire transfer and the money ( + the wire transfer fee ) were immediately taken from my checking account. {$38000.00} + {$30.00} fee. Federal wire ID / XXXXXXXX XXXX XXXXXXXX provided by the bank. 

I waited XXXX days even though the said the wire would go through the same day or at least the next day and XXXX XXXX  initially said they had no record of the wire being received. They then called me back ( XXXX XXXX, XXXX. XXXX  XXXX ) and said that the wire was returned to TD Bank the same day because it included an error with our mortgage account number. 

I spoke again with XXXX XXXX at TD Bank XXXX XXXX who said he would work with his wire department to find out why I did not get my money back. He then called and said TD Bank has no record of receiving the funds back from XXXX XXXX  ( who uses XXXX XXXX ). As such, he supplied via email a copy of the return wire which he said was SENT BACK THE XXXX XXXX ( XXXX ) - federal wire ID XXXX XXXXXXXX. 

I have had numerous conversations with both sides and no one can seem to fund this missing $ XXXX for over XXXX  days now and I am beside myself.

Company response to consumer: Closed with monetary relief
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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/year>, I was contacted by an individual impersonating my supervisor. I was instructed to purchase gift cards and was told I would be fully reimbursed. Relying on this representation, I made the purchases. 

Later that same evening, when I attempted to obtain reimbursement, the individual stopped responding. I immediately contacted my actual supervisor, who confirmed that he had not made the request and that I had been the victim of a scam. 

Within less than XXXX hours of discovering the fraud, I promptly contacted each credit card issuer used for the purchases. XXXX card issuers were able to flag and stop the transactions. Discover stated that it would investigate but did not prevent the transactions from processing while the investigation was pending. 

I would not have made these purchases but for the scammers misrepresentations. I also filed a police report and provided documentation supporting that this was a scam-induced transaction. 

Despite my prompt reporting, documentation, and the circumstances showing that my authorization was obtained through deception, Discover denied my fraud claim on the basis that I initiated the transactions, without addressing whether my consent was informed or considering the evidence of impersonation and scam activity. 

I am requesting that Discover conduct a meaningful review of this dispute, explain the specific policy basis for denying reimbursement in cases of scam-induced fraud, and address why no interim action was taken despite my immediate notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a prepaid XXXX for my birthday in the amount of {$50.00}. I peeled the sticker off and the 3rd set of numbers was scratched off. Ive been unable to get a representative on the phone and cant use the online tool to report a problem without having the full card number.

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: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened my Capital One quicksilver card ending in XXXX in XXXX of XXXX. Since opening the card I have had maybe XXXX weeks of uninterrupted use of the card. After I opened the card and before I even received it Capital One put a block on the card and I was asked to send in some ID documents and bank statements which I promptly did. Capital One verified my information and took the block off. A few days later the same block came back on the card and I was asked to send in the exact same information I had already sent in that was already verified. After explaining this to a supervisor she was able to lift that hold. Now my account has once again been on hold, this time for over a month. I was asked to send in a bank statement again, which I've done, and the account remains on hold. I'm not able to login to Capital One 's website or app so I have no sense of where my account stands, what my balance is, etc. I called Capital One to tell them that I have moved and to update my mailing address and they told me that they can not update the address because the account is on a hold. I told Capital One not to send any sensitive account documents to my old address since I no longer live there and they said sure and then sent my new card to my old address - the incorrect address that remains on my account to this day even though I've told the bank numerous times that I no longer live there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding the unjustified closure of my account and the failure of the company to provide transparency or respond to my repeated inquiries. 

The companys advertised services and stated terms and conditions did not align with how my account was handled. My account was closed without a clear explanation, without identifying a specific violation, and without giving me an opportunity to understand or resolve the issue. This action appears inconsistent with what was represented to me as a consumer at the time I used their services. 

Despite multiple attempts to contact customer support to obtain clarification and resolve the matter, I have received no meaningful response. While the company continues to collect fees from its users, it fails to provide basic communication or answers when customers raise legitimate concernsespecially when access to personal funds is affected. 

I believe it is unreasonable and unfair for a financial service to restrict or close an account based on undisclosed or vaguely enforced policies, while simultaneously refusing to explain its decisions or respond to customer inquiries. Consumers deserve transparency, accountability, and timely communication. 

I am requesting assistance in obtaining : XXXX. A clear explanation for the account closure XXXX. Identification of the specific terms allegedly violated XXXX. An explanation for the lack of response from customer support XXXX. Information regarding any appeal or resolution process Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: FL

Complaint narrative:
Subject : Formal Demand for Removal of Collection Account and Credit Bureau Reporting Due to Breach of Contract by XXXX I am writing to formally dispute and demand the removal of any and all debt collection activity and related credit bureau filings associated with XXXX. My position is that XXXX was in material breach of our contract prior to any alleged balance being sent to collections, thereby nullifying any enforceable claim for payment. 

XXXX filed for bankruptcy before fulfilling their contractual obligations to me, including but not limited to completing my XXXX treatment and providing the lifetime guarantee expressly promised in the agreement. Their failure to complete my treatment and to uphold that guarantee constitutes a clear breach of contract, and as such, I am not legally obligated to pay for services that were never rendered or completed. 

Furthermore, the contract between myself and XXXX contains a Right to Dispute clause, which grants me the right to dispute XXXX failure as a defense to any collection activity, including any undertaken by third parties such as XXXX XXXX XXXX  or TekCollect. I have previously submitted written disputes to both XXXX and TekCollect in accordance with this clause. 

Key points of the Contract with XXXX : XXXX. XXXX XXXX XXXX ( XXXX ) Is Not a Lender or Creditor The contract clearly states : Buyer acknowledges and agrees that XXXX is not a lender but rather the payment processing service provider of Provider [ XXXX ]. 
Therefore, XXXX never extended credit and does not have lender rights. Any attempts to collect this debt as if XXXX were a creditor are unsupported by the agreement. 

XXXX. Obligation Is Tied to Services from XXXX ( XXXX ) My financial obligation was specifically for services provided by XXXX. Since XXXX went bankrupt and failed to complete my treatment, leaving me without final XXXX XXXX or the lifetime guarantee, the terms of the agreement were materially breached. 

XXXX. Right to Dispute and Withhold Payment Based on Provider Breach The contract explicitly states : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES This clause gives me the legal right to raise XXXX failure as a defense to any collection activity, whether by XXXX or TekCollect. 

XXXX. No Further Charges Were Authorized I contacted XXXX XXXX XXXX in both XX/XX/XXXX and XX/XX/XXXX to dispute the charges and revoke authorization. After contact they stopped all billing. Any continued collection of this balance is both unauthorized and unjustified.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: TX

Complaint narrative:
I got a loan with lendnation back in XXXX  and they are calling my phone threatening to take me to court and garnish my wages for a loan that I took out for 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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX  LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief