vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I went to XXXX in XXXX XXXX, TX to look at a used truck. Salesman brought up a different truck for me to test drive because he assumed I would " like this one better ''. He never disclosed the price to me, I only found out the price by going to their website and looking up the truck. This truck was double the price of the one I came to see. While filling out the paperwork, the salesman asked how much money I made and I told him {$2500.00} a month. He asked if I had a cosigner, I said no. He said " let me go talk to financial and see what we can do. He came back and said " good news, we got you approved! '' and I walked out of there with the keys and an {$1100.00} monthly payment. I was never asked to prove income. I went to two other dealerships to get second opinions and everyone I talked to at both places told me that no bank would have approved me for an auto loan half of my income. One of the salesman from the other dealerships told me to return to XXXX and ask them for a copy of the original application I submitted. I tried to do this and was denied. I even expressed to the financial manager that I had reason to believe my application had been fraudulently altered and was still approached with " the application is proprietary to XXXX, we do not have to show you anything. '' I then turned to the financial institution that approved the loan, Toyota Financial Services, asked them to provide me with a copy of the application XXXX submitted on my behalf, and was met with the same outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: MS

Complaint narrative:
Chime Bank I never had an account with chime but it says I do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Transworld Systems XXXX representatives are calling from different numbers throughout the day. I asked why they were calling they would not give me any information until I gave them my address XXXX  email. I refuse XXXX  the representative said she could not answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Description of Complaint : PNC Bank is wrongfully withholding {$8300.00} in severance wages ( issued by XXXX ) despite having verified my identity through other recurring state deposits ( Workforce unemployment ) under the same name. 
On [ Date ], I deposited the check via ATM. PNC rejected the check due XXXX  a " name mismatch, '' even though my federal credit file ( XXXX Report # XXXX ) XXXX  their own internal history with my unemployment deposits prove the names are my legal aliases. By physically mailing the check back XXXX  voiding its status, PNC has created a XXXX financial lockout during my documented medical crisis. 
Furthermore, the bank has frozen my account XXXX, when I requested help, dismissively referred me XXXX  " XXXX '' charity services instead of resolving their clerical error. This is a violation of Texas XXXX. & XXXX. Code XXXX ( XXXX XXXX ) XXXX constitutes a failure XXXX  exercise ordinary care. I have already escalated this XXXX  the Texas Department XXXX Banking. 
Desired Resolution : XXXX I demand an immediate Provisional Credit of {$8300.00} XXXX  a XXXX XXXX XXXX sent to XXXX XXXX to facilitate the immediate re-issuance of my wages. I also demand the immediate release of the retaliatory freeze on my account. The bank refused XXXX acknowledge my federal identity documents ( XXXX report ) XXXX told me XXXX  call the XXXX XXXX ( XXXX ) for charity instead of releasing my earned wages. They have effectively ceased communication while holding {$8300.00} of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of the {$300.00} XXXX XXXX XXXX associated with my XXXX XXXX credit card account ( annual fee : {$690.00} ). A key component of the cards value is the promised {$300.00} annual travel credit. XXXX Ones representatives provided me incorrect information about the credits expiration, XXXX  Capital One is now refusing XXXX  restore the credit, leaving me out {$300.00}. 

What happened : On XX/XX/year> at XXXX PM XXXX, I called Capital One Customer Service specifically XXXX  confirm when my {$300.00} annual travel credit would expire. 

The agent told me the credit expires on my anniversary date. 

I then asked for my anniversary date, and the agent stated it was XX/XX/year>. 

Based on that guidance, I planned XXXX  use the credit on XX/XX/year>. 

On XX/XX/year>, I attempted to use the {$300.00} annual travel credit XXXX  discovered it was no longer available. I immediately contacted Capital One customer support. I was told the credit expired at XXXX PM  XXXX XXXX on XX/XX/year>, XXXX  that they can not reinstate it. 

This is unreasonable XXXX  unfair for XXXX reasons : I asked in advance for the expiration date XXXX  relied on the agents explicit statement that the date was XX/XX/year>. 

Even if Capital One uses XXXX XXXX as an internal cutoff, the agent did not disclose that nuance XXXX  instead clearly stated the anniversary date was XX/XX/year>, which implies availability through that date. 

Escalation I escalated the issue XXXX  a supervisor. The supervisor was unhelpful XXXX  stated her XXXX does not take calls for issues like this. I also asked that Capital One review the call recording from XX/XX/year> at XXXX PM XXXX XXXX  confirm what I was told. The XXXX declined, citing policy. 

Why XXXX filing this complaint I pay {$690.00} annually for a premium card where the {$300.00} annual travel credit is a core advertised benefit. I did my due diligence by calling ahead XXXX  confirm the expiration date and relied on Capital  Ones guidance. Capital Ones refusal XXXX  correct their own error has resulted in a direct financial loss of {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is XXXX  again up XXXX  their no good tricks. Now on earlier this month they finally received the signed Loan Modification Documents from myself XXXX  XXXX XXXX. Now all of a sudden the signatures are no good despite them already informing a XXXX  party that every was good. Now these evil and prejudice practices shouldnt be going on here in the XXXX. These XXXX individuals are upset because I didnt except their bogus program. In which puts people in debt

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to inform you that XXXX XXXX XXXX, XXXX ( North Carolina XXXX XXXX XXXXXXXX ID # XXXX ) appears to be engaging in deceptive business practices regarding online sales to consumers in California. 

Today, I purchased a car part for {$230.00}. Within XXXX minute, I called the company to cancel, but they wanted to charge me a XXXX XXXX credit card refund processing fee. I explained to them that if you void the sale, there is no need for a refund and no credit card processing fees, aside from a possible {$0.00} authorization hold. 

I spoke to XXXX on the phone. He emailed me their terms and conditions, which were not made clear at checkout. Instead, the information was buried in a link that no reasonable consumer would click on. They are voiding the credit card charge and will not be charged the XXXX XXXX credit card processing fee ; therefore, by charging me XXXX XXXX, they are imposing a fee they will not incur. This fee was never properly disclosed or agreed to at the time of purchase, raising serious concerns about their transparency and fair business practices. 

I requested to speak to their owner, XXXX XXXX. Still, he refused to get on the phone, even after I explained to XXXX that I would report the matter to the California Attorney General and dispute it with American Express. XXXX stood firm and stated that XXXX said they would be charging the XXXX XXXX  credit card processing fee.They wound up refunding me {$220.00}, which is {$8.00} less than the refund should have been. 

I highly recommend that your office review XXXX XXXX XXXX of North Carolina and, if they are found to be out of compliance with their credit card processing practices in California, that they be fined or prevented from doing further business in the State of California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Re : Formal Complaint Failure to Validate Debt / Improper Handling of Identity Theft XXXX  Whom It XXXX Concern, I am submitting this formal complaint regarding a debt collection account being reported XXXX  pursued against me that does not belong XXXX  me. Despite multiple written requests, the collection agency has failed XXXX  provide proper debt validation XXXX  has mishandled my identity theft documentation. 
I formally requested validation of this alleged debt on XXXX separate occasions. Each time, the agency failed XXXX  provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Instead of supplying a signed contract, original application, or any competent evidence proving I am legally responsible for this debt, they provided only a basic ledger or account summary. A ledger alone does not constitute sufficient proof that this debt belongs XXXX  me. 
At the agencys request, I provided a copy of my police report documenting identity theft XXXX fraud related XXXX  this account. I also provided a copy of my drivers license solely XXXX  verify my identity XXXX  demonstrate that I am not the individual responsible for this debt. XXXX XXXX XXXX specifically instructed me XXXX  submit my identification so it could be compared with the identification allegedly on file for the account. 
However, I later discovered that the agency never had any identification on file for this account. This raises serious concerns about their investigation procedures XXXX  their request for my personal identification. I do not consent XXXX  my drivers license or personal identification being attached, stored, or associated with any account that does not belong XXXX  me. I am concerned this creates further risk of identity misuse. 
The agency has failed XXXX  : Properly validate the alleged debt after multiple requests Provide competent evidence that I am the responsible party Conduct a reasonable investigation after receiving my police report Protect my personal identifying information Cease collection activity on a disputed XXXX  fraudulent account Sincerely, XXXX 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 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
During the verification process in store, my paydates were noted, XXXX  they set my repaymet dates XXXX  days before i get paid. They didn't like me know get my debit card.Be used for repayment. They called on the first payment living know that my debit card was declined XXXX  i was past due. I asked him, why didn't they just charge my bank account XXXX. I was told now that the card was decline, It'll default XXXX  XXXX  XXXX  that the card will be removed from my profile, and they will only be XXXX  for the remainder of the term. 
They charged again before my paydate XXXX  when I told them that I could get that the money is in the account I asked if the payment I was going XXXX  make would be applied XXXX  the principal or just the fees. Because all alone I got was for XXXX I've made XXXX payment already XXXX\nNow it says, I owe XXXX. 
I asked the person now speaking with on the phone.If I made the payment now where does it apply. How much XXXX  the principal? How much XXXX  feese etc. She couldn't tell me. The log XXXX  website portal doesn't tell you. 

Additional way it shows I had a loan with this in the past. I have XXXX recolection of it... I wasn't told i was giving in the installment loan. I was told that how much I was approved for XXXX  how much I'll be paying back ... also in the portal, it shows that I was denied several times while I was in the store location each time, it shows more personal information that was submitted. 
The contract in all the stuff you're supposed XXXX  read was on the very small, tiny card reader screen ... the person signing me up gave a synopsis of what each screen said. She wouldn't let me leave until she had the phone XXXX  wanted me XXXX  create a book mark on my phone. Share a referral link, XXXX  then do a review. It was made XXXX  seem like it was all part of the process before getting the phones applied XXXX  debt card. I didn't even know the loans dont come from the storefront ... its some other lender

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX # XXXX, XXXX, TX XXXX RE : FINAL NOTICE- FAILURE XXXX  VALIDATE DEBT / VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : [ XXXX ] XXXX  Whom It XXXX Concern, This letter serves as a formal follow up XXXX  my previous Cease XXXX  Desist XXXX  Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant XXXX  XXXX XXXX XXXX of the Fair Debt Collection Practices ACT ( XXXX ) XXXX  XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. 
Your failure XXXX  provide constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title including all assignments XXXX  transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing XXXX  collect debt in my state ; XXXX. XXXX bond information A billing summary is NOT proof of debt ownership or legal authority XXXX  collect. Continued reporting of this unverifiable debt XXXX  credit bureaus is a violation of XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX  constitutes the furnishing of inaccurate XXXX  incomplete information. 

Additionally, continued collection efforts without proper validation, violates the FDCPA, specifically : - XXXX XXXX  XXXX - False or Misleading Representation - XXXX XXXX XXXX - Unfair practices- XXXX XXXX XXXX - Failure XXXX  validate debt If this account is not permanently deleted from all consumer reporting agencies XXXX  all collection efforts do not cease within XXXX calendar days, I will proceed with legal action against your agency under XXXX XXXX  XXXX XXXX  XXXX, including but not limited XXXX  statutory damages, punitive damages, legal fees, XXXX  costs. This is your final opportunity XXXX  resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) XXXX  my State Attorney General and pursue civil litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted the lender XXXX  resolve a XXXX delinquency. I spoke with XXXX XXXX XXXX in the XXXX Department regarding a loss mitigation review. The agent explicitly stated that a decision on my account would be made by XXXX, XX/XX/XXXX. I relied on this date to finalize my funds. 
However, the lender repossessed the vehicle on XX/XX/XXXX hours before the stated deadline. This " bait-and-switch '' tactic is a deceptive collection practice that prevented me from exercising my rights. 
Furthermore, the lender is now demanding approximately {$10000.00} XXXX  reinstate the loan. This amount is arbitrary XXXX  does not reflect the actual past-due payments. Under California XXXX XXXX XXXX ( Rees-Levering Act ), I have a right to reinstate by paying only the past-due amounts XXXX  reasonable fees, as I have only utilized XXXX reinstatement ( XX/XX/XXXX ) in the last XXXX  months. The lender is using the vehicle 's XXXX XXXX  force a full payoff or an inflated payment, knowing the vehicle has significant negative equity ( {$26000.00} ) XXXX  mechanical issues. This bad-faith XXXX has terminated my employment, which relies on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CO

Complaint narrative:
I am a guarantor for a lease at XXXX XXXX ( XXXX XXXX ). The tenants moved out on XX/XX/year>. On XX/XX/year>, the landlord prepared a " Statement of Deposit Accounting '' claiming I owed {$2400.00}, which included a massive charge of {$1100.00} for 17 days of XXXX rent despite the move-out occurring in XXXX. 

On XX/XX/year>, the landlord revised this statement after admitting to a billing error. They applied a credit of {$770.00} to remove part of the XXXX rent, bringing the balance down to {$1600.00}. I was never properly notified of this " corrected '' amount via email or mail before it was sent to collections. 

On XX/XX/year>, I received a collection notice from Hunter Warfield for {$1600.00}. On XX/XX/year>, I sent a formal Debt Validation and Dispute letter to Hunter Warfield via certified mail. I disputed the entire debt and requested specific proof for the following charges : {$560.00} for stove top replacement. {$440.00} for prorated carpet replacement. {$200.00} for apartment cleaning.

Hunter Warfield failed to respond to my validation request. Instead of providing the evidence, they reported the unverified debt to XXXX around XX/XX/year>. I disputed the account with XXXX, but the debt was " verified '' as accurate even though the underlying charges for damages have never been documented with invoices or receipts, and the rent charges were inconsistently calculated by the original creditor. 
This sequence of events shows that the debt is inaccurate, the creditors accounting is unreliable, and the collection agency is violating my rights under the FDCPA by reporting a debt they have failed to validate.

Furthermore, there is a severe failure in communication and notification : Hunter Warfield has been sending mail to an old address in XXXX XXXX, FL, despite the fact that I have lived in XXXX  for over 18 months. 

I have recently moved again from my previous XXXX, XXXX  address. 

Because the agency is using outdated contact information, I have been deprived of my right to receive and review the '10-day notice ' to settle the account before it impacted my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation