vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 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: Westlake Services, LLC
State: HI

Complaint narrative:
My Autoloan with Westlake Financial was paid off on XX/XX/25, at which a customer service agent reached out to me to let me know it was paid off and I'd receive my car title in 7-10 business days. I have called 7 times from XXXX and not XXXX live representative is connected to their phone line. Their website can not access any information, their live chat feature does not work on their website, and the amount of information they're able to give me on their pre-recorded phone lines to minimal to nothing. Not one person has reached out regarding my car title and it is impossible to get any information from their website and from their phone contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: HUNTINGTON NATIONAL BANK, THE
State: VA

Complaint narrative:
Requested title at Va XXXX XX/XX/year> Spoke with Huntington to request a removal of the lien XX/XX/year> - Requested title at XXXX XX/XX/scrub>XXXX XXXX  - Requested Huntington release electron lien, was told " overnight '' Representative stated they would fax the lien release as well directly to XXXX - no fax received 2 days later. 

XX/XX/year>- visited my local XXXX and told lien still in place Called Huntington and told it would take 10 business days to release the electronic lien Escalated to supervisor, and again told " overnight. '' XX/XX/year>XXXX XXXX XXXX  still states electronic lien in place Called Huntington and escalated and told 2-3 business days to release lien XX/XX/year> - XXXX still states electronic lien in place Called Huntington, when began to file a complaint, phone call was disconnected TWICE. 

Called a 3rd time and escalated to a manager. 

In total, I have spent 4-6 hours on the phone ( mostly on hold ) with Huntington and 6 hours in DMV with appointments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: IL

Complaint narrative:
VANCE HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/year> I initiated a payment through my online bill pay Santander XXXX  XXXX. The payment was for {$4600.00} to a contractor that had done painting for me. 
The payment was supposed to be drafted and mailed to vendor. 

On XX/XX/year> when I tried to log into my banking, all my accounts were locked down and frozen. I spent an hour and a half going round and round with CS rep. It was determined that there wasn't any fraudulent activity on my account and I had indeed initiated the payment to this vendor as well as confirmed some other payments on the account in the last couple of months. I was given a pass code via text and was told all was well. 

On Monday XXXX XXXX I attempted to pay another vendor via XXXX for plantation shutters installed at my home. This payment was not allowed to go through. Spent another hour and a half on the phone going round and round with these reps. I was finally able to get the payment to fund, Since the XXXX of XXXX my bill pay in my online banking has been locked down with this message. [ status : 11 ] We are experiencing problems with your BillPay service. Please try again later. If you continue to experience issues accessing your BillPay service, please contact our Customer Service Center representatives at XXXX. 
I have called numerous times about this and they can't give me any answers. On the interim I have not been able to pay any bills that are coming in and due. I don't know if my scheduled payments prior to this odyssey have funded or what the status is. They never notified me that they cancelled the oriignal payment to my painter initiated on the XXXX of XXXX, so was in hot water with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
In XXXXXXXX XXXX XXXX two of my loans from XXXX XXXX XXXX XXXXXXXX were part of Borrower Defense class action. They were both discharged shortly after and show a negative balance of what I have personally paid ( {$370.00} and {$650.00} ) and to be refunded back to me. It has been over a year and I have not been refunded. They keep telling me it is still in the process of being discharged even though it says it is already discharged on their site and on Studentaid.gov. I have contacted both numerous times and they point fingers at each other basically. I just need to know when my money will be refunded back to me. They say its a 7 months process but here we are 12 months later and nothing. They told me to reach out to the borrower defense line but then they say I have to reach out to the loan servicer or Dept of Education. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter is sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am requesting validation of this debt. Please provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and principal 3. Copies of any documents bearing my signature that show I agreed to assume this debt 4. Proof that you are legally authorized to collect this debt in my state 5. The date of last payment and the date the debt was incurred Until this information is provided, please cease all collection activity, including reporting this account to any credit reporting agencies. If this debt has already been reported, please inform the credit bureaus that the account is in dispute. 

This request is not an acknowledgment of liability for the debt. 

Thank you for your cooperation. 

Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX call XXXX. Caller ID -Account Services. XXXX I spoke to started going on about a debt from check & go. That I owed XXXX XXXX Told him I had spoken to someone in a so called law office about this over a yr ago. That I didn't recall owing this money. Caller XXXX XXXX was very rude then. Told me to hush at one point. Told me " You borrowed money and didn't pay it back '' ( with attitude ). Said " Maybe you should talk to XXXX, XXXX or XXXX about this loan ''. XXXX is my dead father ( pasted XX/XX/XXXX ). XXXX is my XXXXXXXX XXXX  old grandmother ( who as of XX/XX/XXXX, yesterday is in the hospital ). And XXXX is my ex-wife, who I * was a victim of domestic XXXX XXXX ago. That was extremely hurtful and unnecessary. 
When I tried calling back twice to the number. A person answered saying I had reach transportation co. 
I get multiple calls a day. For over a yr now. 

More then a yr ago. Someone called me with a local area code. They told me they where court possessing person. But for me to call this law office first to stop it. I called the so called law office. Told them to the best of my knowledge, I did not owe the debt. And was not aware of it. 

I feel harassment, threaten, upset ( my head hurts, this call with XXXX just happened XXXX ago ), sad people would act this way & highly disrespected. 
Please I am in need of help. Please find this debt Co and individual. Please let them know this is wrong and to do better

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Home Loan Center, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXLoan company\nPhone number XXXX XXXX XXXX  \nHe said I was approved from XXXX an the. Took my information \nThen told me I'd have to purchase a perfection plan from XXXX  an then my money would go through \nIt was a scam \nI want my XXXX back an my information deleted they took an they claimed to be apart of tXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint against Wells Fargo Bank regarding a missing ATM cash deposit, the banks delay in allowing me to file a report, and the failure of Wells Fargos Executive Resolution Department to provide information or resolution. 

On XX/XX/XXXX, I made a cash deposit at a Wells Fargo ATM located at XXXX Tx. The ATM accepted the cash, but the funds were never credited to my account, and no receipt was provided. 

Immediately after noticing the missing deposit, I contacted Wells Fargo by phone multiple times over the following XXXX weeks. During each call, I was told the funds would appear in my account within a few days and that no further action was required. Based on these repeated assurances, I did not file a formal report at that time. 

After approximately XXXX weeks with no resolution, I went into a Wells Fargo branch on XX/XX/XXXX and filed a formal report. The claim was later escalated to Wells Fargos Executive Resolution Department. 

It has now been more than 14 days since the report was filed. Despite escalation, Wells Fargo has refused to provide any meaningful updates, documentation, or explanation of how its investigation was conducted. The Executive Resolution Department has not communicated findings or responded substantively. 

ATM cash deposits are auditable and subject to balancing and reconciliation. Wells Fargo has not explained whether ATM cash counts, audit logs, or surveillance were reviewed, nor has it provided evidence disputing that the deposit was made. 

Wells Fargo also denied provisional credit without clear justification, despite the reporting delay being caused by the banks own instructions and assurances. 

I am a single mother and currently unemployed. The missing funds were intended for basic necessities, and Wells Fargos failure to act has caused severe financial hardship. 

I am requesting that Wells Fargo be required to : XXXX. Provide written documentation of the ATM audit and investigation steps taken XXXX. Explain the basis for denying provisional credit XXXX. Issue provisional credit immediately while the investigation is ongoing XXXX Credit my account for the missing ATM deposit if no evidence disproves that the deposit occurred Given the lack of response even after executive escalation, I am requesting immediate regulatory assistance. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged monthly service fees on my Everyday Checking account. I contacted Wells Fargo regarding these fees, and I was provided with courtesy credits totaling {$20.00} : XXXX {$10.00} credit on XX/XX/year>, and XXXX {$10.00} credit on XX/XX/year>. I acknowledge that these credits were issued. 

However, these credits did not address the underlying issue that led to subsequent service fees. In XX/XX/year>, Wells Fargo implemented a policy change to the fee waiver requirements for its Everyday Checking account. The Wells Fargo mobile app and account statements present checking and savings balances in a combined manner. Even when I select only my checking account, the app generates a Combined Statement of Accounts and displays aggregated balances. 

Because of this presentation, it was not clear that my checking account alone no longer met the updated fee waiver requirements. I relied on the balances displayed in the app and believed my checking account continued to qualify for the fee waiver. 

A subsequent $ XXXX  monthly service fee was later assessed. When I contacted Wells Fargo again, the bank declined to issue an additional refund, citing the prior courtesy credits. 
I believe the fee resulted from confusing account presentation and insufficient disclosure following the policy change, which made it difficult to independently verify eligibility or take corrective action before the fee was charged.

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 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Red River Credit Corporation
State: OK

Complaint narrative:
I am submitting this complaint regarding improper and deceptive debt collection practices by Red River Credit Corporation. 

During a phone call on or about Friday XX/XX/XXXX, a representative who identified herself as a manager stated that she had reviewed my credit report and commented that she saw I purchased a new vehicle after late payments were reported. This statement was made during a collection call and was used to pressure me to pay the alleged debt. 

Referencing and characterizing my credit report activity in this manner was unnecessary to verify the debt and was used to shame and coerce payment. This conduct constitutes a deceptive and misleading representation in connection with the collection of a debt and is a violation of 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ). 

When I attempted to discuss resolution options, the representative refused to consider a settlement and stated that the company would continue with collection calls. 

During the same call, I informed the representative that I am planning to file bankruptcy still. Despite this, the representative continued the call and made statements regarding negative credit consequences, including that certain actions would hurt my credit. These statements were made after I disclosed my intent to file bankruptcy and were used to pressure payment rather than provide factual information. 

I have since requested that all communication be in writing only. I am concerned that Red River Credit is engaging in unfair and improper collection practices and using consumer credit information as leverage during phone calls. 

I am requesting that this matter be investigated and that Red River Credit be instructed to comply with federal law.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
In XXXXXXXX XXXX I was tricked by a foreign scammer to take out a loan from SoFi Financial company for {$22000.00}. I am taking steps to officially report this by getting a police report, and submitted an IdentityTheft Report.

I am sending a detailed letter with bank statements and the above to SoFi requesting they discharge the loan and repay the first oayment also made vis the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
The mortgage company will not remove my tax from my escrow. I called and provided information 1 year ago showing that I am exempt. I was then told that I could not have this removed from my escrow until the actual bill was mailed by the county of XXXX. The county later billed me {$0.00} as listed in the examption in XX/XX/XXXX. I was then rebilled for the property tax in my escrow for the following year of XXXX. I again provided documentation showing my examption and was told they can't remove the tax from my escrow until I have at least 80 % loan to value on the loan. My loan is a VA loan an this is not required as it is backed by the VA. I want my current escrow surplus refunded to me and the {$1900.00} of county taxes removed from my escrow payment. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing this letter to formally report an unacceptable situation that occurred at the Santander branch in XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

On that day, I went to the ATM to make a cash deposit totaling {$3000.00}. During the transaction, the ATM returned {$200.00}, successfully processing only {$2800.00} as the deposit. I then retrieved my card and initiated a second transaction to deposit the remaining {$200.00}. 

During this second attempt, the ATM kept my {$200.00}, instructed me to remove my card, did not issue any receipt, and the money was never credited to my account. 

I immediately went inside the branch to report what had happened. To my disbelief, no resolution was offered on-site, and I was instructed to contact Customer Service XXXX After calling, I was informed that I would need to send this letter by mail and wait up to 10 days to possibly receive a temporary credit of {$200.00}. 

This situation is ridiculous and extremely frustrating. 
This money is intended for a scheduled payment, and now I am forced to find another way to cover the {$200.00} that your ATM wrongfully retained. In addition, I wasted valuable time writing this letter and will now have to go to the post office, since Santander does not accept email complaints and does not provide a fax number. 

I am deeply disappointed by the lack of urgency and care shown in handling this matter. In my view, the correct approach would have been to immediately credit the amount and then conduct any necessary investigation afterward. 

I am formally expressing my frustration and dissatisfaction with how this issue has been handled. Once this matter is resolved, I want to make it clear that I intend to close my account with Santander, as this experience has completely undermined my trust in the bank. 

Case ID : XXXX Sincerely, XXXX XXXX XXXX Phone : 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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: GA

Complaint narrative:
I submitted a dispute to Sezzle on XX/XX/year> regarding a defective item purchased from a merchant. Sezzle accepted the dispute, opened a case, and requested multiple rounds of documentation, including photos, order details, and diagnostic confirmation from the manufacturer. I provided all requested evidence promptly. 

During the review, the merchant confirmed in writing that the item was defective and eligible for a refund under their guarantee policy. Sezzle continued processing the dispute, asked for additional documentation, and indicated they were reviewing the case. 

After I submitted every document Sezzle requested, the company abruptly closed the dispute and stated they could not proceed because the order was more than 90 days old. If this policy applied, Sezzle should have rejected the dispute immediately instead of accepting it, requesting evidence, and actively processing it for several days. Their actions caused me to rely on the dispute process in good faith. 

Sezzles actions conflict with their own policies. They accepted the dispute, requested evidence, and engaged in review, which effectively waived the 90day cutoff they later cited. Their policies also state they will correct errors and handle transaction issues in good faith, but they refused to forward the dispute to the merchant even after the merchant confirmed refund eligibility. Sezzles retroactive use of the 90day rule after completing the review contradicts their published process and created an unfair and misleading experience. 

This raises several consumerprotection concerns, including unfair and deceptive practices, detrimental reliance, failure to act in good faith, and improper denial of a valid dispute after the company initiated and directed the review process. The merchant already confirmed refund eligibility, but Sezzle refused to process the refund or escalate the dispute. 

I am requesting that Sezzle honor the dispute they accepted and processed, or issue a refund/credit consistent with the merchants confirmation of refund eligibility. 

This dispute also affected my ability to communicate during medical situations. At the time of the purchase, my son was hospitalized, and my daughter is currently hospitalized. I needed the refurbished watch added to my cellular line so I could stay reachable while at work, where personal devices are not allowed. Sezzles refusal to process the refund after accepting and reviewing the dispute created additional hardship during ongoing medical circumstances.

Company response to consumer: Closed with explanation