vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
Whom It May Concern, I am submitting this formal complaint regarding ongoing and unresolved payment processing issues with my auto loan account. These issues have been occurring consistently since XXXX and have resulted in repeated late fees and returned payment fees due to errors that do not appear to be caused by me. 

Since XXXX, my payments have never been processed consistently. Each month I am told I owe additional charges such as returned payment fees or late fees, despite the fact that payments are made from the same bank account that has sufficient funds. My bank has confirmed multiple times that no payment attempts were received or that payment attempts were delayed well after the due date. 

Most recently, I made a payment on XX/XX/XXXX for a payment due on XX/XX/XXXX. The payment never showed as pending, and no debit attempt was visible from my bank. When I contacted your customer service department, I was informed that payments can take 16 business days to post and that nothing could be done. After this delay, I was charged a {$15.00} returned payment fee, even though my bank confirmed no failed transaction occurred.

This pattern strongly suggests improper or delayed payment processing on your end. I have repeatedly requested assistance and asked to speak with a supervisor, but those requests were denied. I am consistently told that customer service can only see what the system shows and that no corrective action can be taken.

I am deeply concerned that these recurring issues are placing my account at risk of delinquency through no fault of my own and may result in unnecessary fees, credit damage, or potential repossession. This situation has caused significant stress and financial frustration.

I am requesting the following : A full review of my payment history since XXXX Reversal of all improperly assessed late fees and returned payment fees Written confirmation that my account is not considered delinquent Assurance that future payments will be processed correctly and on time If this matter is not resolved promptly, I am requesting that this complaint remain on record with the appropriate consumer protection agencies. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: PNC Bank N.A.
State: NJ

Complaint narrative:
Our two bank accounts with PNC Bank in XXXX, NJ were hacked. 
On XX/XX/XXXX XXXX XXXX XXXX withdrew {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  withdrew {$16000.00} from our Account. Then on XX/XX/XXXX, XXXX XXXX XXXX XXXX withdrew {$5000.00}. out of our other account. 
I called the bank, and told them to put an alert on my account on I think XX/XX/XXXX so they don't hit our other account. They didn't do that and on XX/XX/XXXX they took the {$5000.00} out. I filed police reports on both these accounts. Today XX/XX/XXXX the bank still hasn't gotten back to me with proof of authorizations from me. We called a few times and we have left messages for a phone call back. We are a mom & pop shop. This is alot of money that needs to be returned.Our bank accounts were emptied out. We need this money to run our business, {$35000.00} is alot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I received a credit card in the mail, from Current.com, that I did not apply for. I was able to get access to the XXXX accou

nt through the mobile app, by using my driver 's license. There were three cards on there, the one I had, another credit card, a debit card, and a checking account. I called them today, and closed the accounts. The same day, I also received a welcome letter for a XXXX XXXX, I did not open. I called them, and they're escalating the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm hit my XXXX and XXXX  on my credit report. I didnt open this and was a victim of identity theft! This needs removed from credit report because this wasnt me and filled police report on this item as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Item ordered on XX/XX/year> ( XXXX  online ), billed to credit card on XX/XX/year>. Item never picked up, credit issued on XX/XX/year>. Next day, it was billed to my credit card again. I called Capital One, told them I never picked up the product, credit issued XX/XX/year>, then billed back to credit card SAME DAY. Called again, credit issued again on XX/XX/XXXX, then billed AGAIN on XX/XX/year>. Capital One issues a credit then charges it back to the credit card. PRODUCT WAS NEVER PICKED UP FROM STORE. I do not owe this amount, and Capital One needs to issue a credit and close the dispute. It is very very difficult to speak to anyone at Capital One- they read from preprinted narrative, very difficult to understand them ( English is not their first language ), and they ask extremely irritating and stupid questions. Example : Did you ever give XXXX  your credit card information? Uh, the credit card is already set up in XXXX  online system. 

I sent letters to both Capital One and XXXX  explaining all of this. Capital One 's response- was that they already resolved and closed this case. And the same amount still appears on my statement. WHICH I DO NOT OWE AND WILL NOT PAY. I have not heard back from XXXX. And the store will not speak to me about this because it is a credit card issue. When I call the number to talk to XXXX  customer service, they tell me to call Capital One. No one is taking responsibility for this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/XXXX around XXXX, i went to US Bank because i had been scammed into believeing an email i recieved was from my Mortage company threatening forclosure. I went straight to my bank once i realised it was a scam, no one in the branch could help, they told me to call the dispute line which i did that same day. Now on XX/XX/XXXX i called my bank looking for an update, only to find out that my disbute was declined but i never recieved any mail or information as to why. I requested more information today and they said to call back in a couple of hours or tomorrow to find out why it was declined.

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 2026-01-08 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
The following contract was apart of a title jump everything about the contract from the start was fraud I never signed anything on the itemization page nor did XXXX print my name on the contract it was printed on the contract not signed by me also the dealership I went threw had supposedly closed from what credit acceptance says but even if thats true how could you hold me responsible for something your partnership the dealership was fully fraudulent act in the first place the screenshot from the XXXX XXXX I never owned a XXXX XXXX thats stating I was suppose to trade in

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Did a claim for XXXX transactions for lost card unauthorized use- {$75.00} XXXX XXXX {$180.00} XXXX {$100.00} XXXX XXXX {$210.00} XXXX, {$360.00} XXXX XXXX, {$1900.00} XXXX XXXX lost card XX/XX/XXXX claim information XXXX on XX/XX/XXXX and has no update or provisional credit provided to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I applied for a HELOC and got approved. 
HELOC is XXXX. 
Bank of america employees XXXX and XXXX were my point of contact. 

Now. 
During the application process they told me if I withdraw XXXX for 3 month my interest will be lower and i did it. 
This was in XXXX. 
I never had any HELOC or mortgage ever in my life. 
BoA never advised me that withdrawing XXXX will destroy my credit which happened this month when my XXXX  score dropped XXXX!!!! Points. 
I immediately emailed and called ( left voice mail ) last week XX/XX/year> with XXXX XXXX and XXXX XXXX. 
None of them got back to me in nearly a week. 
I feel ripped off by them and BoA. 
Next week my car lease is finished and I need to get a new car which will be a way higher interest rate because of this lousy credit score. 
I ALWAYS maintained a credit score of at least XXXX. 
It upsets me for BoA to withhold such important information. 
Customers feel the pain while the bank hands out a higher loan to collect more interest.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
On XXXX 2025. I placed it order for XXXX  using Zip pay later, website to XXXX, XXXXXXXX XXXX XXXX XXXX 
Due to the fact that it was on XXXX day, XXXX XXXX was closed and the order was canceled by XXXX  because all this grocery stores in my surrounding area was also closed. 

But Zip it's still charging me for the items i never received in installment payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I was charged a late fee for a mortgage payment that was one day past the grace period. 
Since my loan began in XX/XX/XXXX, I have maintained a strong overall on-time payment history, with only one prior late payment in XX/XX/XXXX. I am not disputing the payment date, but this reflects an isolated timing issue rather than a pattern of delinquency. 

I requested a one-time courtesy waiver based on my overall payment history, which was refused without meaningful review. 

I am requesting removal of the late fee in the amount of XXXX as a courtesy adjustment, consistent with standard mortgage servicing practices for borrowers with otherwise good payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX, XXXX, MN XXXX Re : COLLECTION AMOUNT {$1400.00} ( XXXX ) To Whom It May Concern : I am writing in response to your communication regarding the alleged debt referenced above. I dispute the validity of this debit in its entirety. 

Under the Fair Debt collections Practices ( FDCPA ), I am requesting verification and validation of this debt. Please provide the following : 1. The amount of the alleged debt, including a detailed breakdown of fees, interest and charges.

2. The name and address of the original creditor 3. Documentation proving I am legally obligated to pay this debt.

4. A copy of any agreement bearing my signature 5. Proof that your company is authorized to collect this debt Until you provide proper verification, you must cease all collection activities, including reporting or continuing to report this account to any credit reporting agencies. 
If this debt has been reported to the credit bureaus, please note that it must be marked as disputed. 
This letter is not a refusal to pay, but a formal notice that the debt is disputed. Please respond in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, my XXXX XXXX was stolen in XXXX XXXX XXXX XXXX XXXX Between XX/XX/year> and XX/XX/year>, XXXX unauthorized wire transfers totaling {$20000.00} were sent from my Chase business bank account to XXXX domestic bank accounts I do not recognize, to people I do not know. 
- XXXX wire transfers of {$9800.00} and {$10000.00} to an account of XXXX XXXX XXXXXXXX in XXXX, XXXX ( recipients name/address/email/ last XXXX of account # available ) were validated both by Chase services at XXXXXXXX XXXX XXXXXXXX time on XX/XX/year>. These large amounts should have needed verification. 
- XXXX wire transfer of {$1000.00} to XXXX XXXX XXXX XXXX, MO happened to another recipient on XX/XX/year>. ( recipients name/same address than the bank/ last XXXX of account # available ) Under Regulation E ( 12 CFR 1005.6 ) and UCC Article 4A , I am protected against unauthorized electronic fund transfers. I suspended my phone line with XXXX on the day of the theft XX/XX/year>, which is within the two-business-day window required, and notified Chase on XX/XX/year>, when I was back home and able to check on my accounts money was actually stolen ( my passwords are strong passwords automated with facial recognition on the devices ). 

These transfers were a massive departure from my normal banking history and i never use wire transfers. Chase failed to follow commercially reasonable security procedures by allowing XXXX large-sum wires to be processed in rapid succession from a device that had been compromised. Despite filing a police report to the XXXX XXXXXXXX XXXX XXXXXXXX ( Case # XXXX ), a police report to XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX ) a FTC report ( Case XXXX XXXX ), and a FBI IC3 report ( ID # XXXX ), Chase has denied my initial claim and hasn't provided written information concerning the last wire transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I have XXXX different issues I am trying to get info/ repayment for. I am not sure of dates or amounts, because I dont have any documentation. 

First I was harassed by Portfolio Recovery Associates for various credit card they said they owned debt for... I could verify, but set up payment... then I have been unable to log into their site for several months to check on balances. I was afraid not to enroll in their program because they kept harassing me and told me they would bring legal action. 

The other .. and most important complaint I have is with XXXX XXXX who said they could cancel our timeshare or be reimbursed the original XXXX we needed to pay for their assistance .. We lost XXXX. of dollars to XXXXXXXX XXXX XXXX XXXX XXXXXXXX Va who kept increasing our maintenance fees etc. they wouldn't let us cancel so I contacted XXXX XXXX after reading XXXX XXXX 's claims they could cancel our time share or be refunded our money to Them ... they did nothing .. and property ended up on action block, THEN we were charged XXXX from IRS XXXX had to pay because it said it was an asset... Seriously? What a rip off... I have tried repeatedly over the years to contact XXXX XXXX, especially when I hear a commercial from XXXX XXXX claiming he can help legally cancel a timeshare... LIES ... all LIES. I am sick over all the XXXX  of dollars I have spent trying to get out of a timeshare.... between paying Portfolio Associates who said they " bought " my debt with no verification, and XXXX XXXX who ended up costing us XXXX  extra of money we didnt have... hence .. trying to get rid of timeshare... it almost bankrupted us ... Can you help us recover any money we threw away to these people? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I paid off my auto loan with Westlake Financial in full and requested release of the vehicle lien. Westlake issued XXXX separate Lien Satisfied letters ; however, they failed to properly release the lien with the State of Florida. 
I contacted Westlake Financial at least XXXX times by phone, including conversations with managers and representatives from the titles department. Throughout these calls, I received inconsistent and contradictory instructions. At times, I was told I must personally go to the XXXX to request the title, and at other times I was told the title would be mailed to my home. 
On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX confirmed that the XXXX remains active under XXXX XXXX XXXX XXXX, meaning Westlake Financial has not submitted the required lien release documentation to the State of Florida as required by law. Because the lien is still active, the XXXX confirmed I can not obtain a clear title. 
Despite being notified of this issue, XXXX XXXX continues to delay corrective action and improperly shifts responsibility to me, preventing me from receiving my lawful vehicle title. I am requesting immediate release of the lien with the State of Florida and prompt issuance of my vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
Hello, Finally Mohela fixed the problem with my student loans being reported as double, but they still have not completed the " recount '' of my PSLF, which they have been saying for at least a year now they would do. Because of this, my PSLF with student aid.gov is stalled, and is showing that I'm XXXX  months short, rather than counting all XXXX  months that should be on there. With the shocking things this administration is doing, I am nervous that I will lose my opportunity to count all of the public service years that I have dedicated my life to, while being severly underpaid. I am hoping that you can please help me. My next step is going to have to be to hire an attorney if something can not be figured out. I am desperate for someone to take this seriously. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding Citibanks refusal to reimburse {$750.00} withdrawn from my account due to identity theft. 
An unknown individual physically entered a Citibank branch, impersonated me using my actual government-issued ID, and withdrew {$750.00} in cash. I was not present and did not authorize this transaction. 
This incident was reported to law enforcement and a police report has already been filed. I also possess photo evidence of the individual who used my ID to withdraw the funds. The person shown is not me. 
Citibank issued a written denial of my fraud claim without explaining how teller verification procedures, branch surveillance footage, or ID authentication records supported their conclusion. 
This matter was incorrectly handled as a routine transaction dispute instead of in-branch identity theft. I am requesting reimbursement of the stolen funds and a full fraud and security investigation.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Credit system international Inc. is still reporting on my credit score. I have no knowledge of this company never had a contract with them.

Company response to consumer: Closed with explanation