vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Subject : Formal Dispute of Improper Repossession Fee and Request for Investigation To Whom It May Concern, I am submitting this formal complaint and dispute regarding an improper and unsupported fee that has been added to my auto loan account with Santander Consumer USA ( Account Number : My vehicle was repossessed in XX/XX/XXXX. The repossession involved third-party vendors, including XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I retrieved my vehicle. At that time, the towing company required me to provide my original key so they could drive the vehicle out to me. The key I provided was the same key issued to me when I originally obtained the vehicle. At no point did the towing company cut, replace, or program a new key or key fob. Despite this, I was charged a key fee exceeding {$300.00}, which has been added to my loan balance by Santander Consumer USA. I have made multiple attempts to resolve this issue : I contacted the towing company, which directed me back to the lender. I contacted Santander Consumer USA numerous times between XX/XX/XXXX and XX/XX/XXXX disputing this charge. I specifically requested documentation or proof that a key was made or programmed. To date, Santander Consumer USA has failed to provide any evidence that this service was performed. Instead, I have been told that I am responsible for paying this fee regardless of the lack of supporting documentation. This charge is improper for the following reasons : 1. No key cutting, duplication, or programming service was performed. 2. The towing company used my original key, which I personally provided. 3. The fee does not represent an actual, necessary, or reasonable repossession expense. 4. The lender has failed to validate the legitimacy of the charge despite repeated requests. Under applicable consumer protection laws, including Uniform Commercial Code Article 9, repossession-related fees must be reasonable and reflect actual costs incurred. Charging for a service that was not performed is deceptive and potentially fraudulent. Requested Resolution : I am requesting the following actions : Immediate removal of the key fee from my account balance A corrected account statement reflecting this adjustment Written confirmation that this improper charge has been resolved A full accounting of all repossession-related fees, including supporting documentation If this matter is not resolved promptly, I am prepared to pursue further action, including additional regulatory complaints and potential legal remedies. I am requesting a formal investigation into this matter and a written response within a reasonable timeframe. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Prince Parker & Associates
State: NC

Complaint narrative:
I sent an email to XXXX on Wednesday XX/XX/XXXX asking them to remove me from their text list after they could not verify an account or origin of text message. Somehow the email thread is no longer in my inbox but I do have a screenshot of my email to them on XX/XX/XXXX requesting more information about the origin of the debt, to which they kept responding to me to call them incessantly for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I refinanced my mortgage with Navy Federal Credit Union, which also serviced my prior loan. The refinance funded on XX/XX/XXXX. During the payoff of the prior loan, the lender initially charged interest for XX/XX/XXXX despite payoff funds being disbursed on XX/XX/XXXX. The lender has acknowledged this error and issued a refund. A second issue remains unresolved. Through reconciliation of the payoff statement, title company disbursement ledger, escrow refund, transaction history, and the Closing Disclosure, I identified a discrepancy of exactly {$97.00}. The Closing Disclosure lists recording fees of {$79.00} and does not disclose any additional {$97.00} fee. However, the lender has confirmed that a {$97.00} fee was required and paid as part of the payoff, describing it as a lien release recording fee. The lender has provided internal payoff documentation showing that the {$97.00} fee was included in the payoff amount. However, the lender has not identified where this fee appears on the Closing Disclosure or provided any documentation showing that it was disclosed to or authorized by the borrower in writing. In addition, the escrow refund issued to me was {$97.00} lower than expected based on the disclosed payoff and closing costs, indicating that this amount was effectively paid from borrower funds in connection with the payoff. The lender has not provided a reconciliation showing any source of funds for this fee other than borrower funds. The lender has repeatedly explained the nature of the fee and stated that it is standard and assessed by the county, but has not addressed the lack of disclosure on the Closing Disclosure or explained how the fee was funded if not charged to the borrower. Because this fee was charged to the borrower but does not appear on the Closing Disclosure, it appears to be an undisclosed borrower-paid fee inconsistent with TRID disclosure requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
This is a formal complaint submitted to the Consumer Financial Protection Bureau regarding a fraudulent account being reported on my credit file. I am disputing a debt in the approximate amount of {$14000.00} that is currently being reported by a collection agency and associated with a XXXX account which per my phone call has now not been handed over to Tenaglia and Hunts. I have no knowledge of this debt and believe it to be fraudulent. On XX/XX/year>, I took action to request validation of this debt by contacting both XXXX and the the debt collector ( Tenaglia and Hunt ) and attempting to obtain documentation verifying the legitimacy of the account. Despite my efforts, I have not received any response or sufficient evidence to validate the debt. Additionally, I contacted XXXX by phone to address this matter, but they failed to respond or provide any information regarding the alleged account. The account continues to be reported on my credit reports with XXXX, XXXX, and XXXX despite being formally disputed. Reporting a debt without proper validation and continuing to report it as accurate while it is under dispute may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that this matter be investigated immediately and that the fraudulent account be removed from my credit reports. If the collection agency and/or XXXX XXXX Bank can not provide proper validation of this debt, they should not be permitted to continue reporting it. I expect a prompt resolution to this matter and removal of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: RI

Complaint narrative:
Mountain America Credit Union changed the verification process to only allow a text or phone call to access accounts. I have several CDs with MACU. The issue is that on the login interface that I see, only the phone call option is available. I see my phone number listed twice ( maybe one should be for text but both options call me ). A computer reads the verification code very quickly then hangs up. There is no option to replay. I can not catch all the numbers even after trying several times. I called MACU and spoke to a rep. She said that she is the entire tech dept. I clearly explained the issue. The rep replied that I need to listen to the numbers and write them down - not understanding the issue. I again and again explained the issue but the rep would not assist me. She said I can fix it AFTER logging in. I asked her to fix it and she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MO

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
Between the dates of XX/XX/XXXX thru XXXX, XXXX, My bank account ( Chime ) Card was used fraudulently, as well as my phone was stolen, that enabled access to my account. I was XXXX assaulted and put into hospital care. I provided proof of fraudulent transactions and police report to Chime, and they still denied me the return of my funds. They acknowledged on XX/XX/XXXX, cancelling the card, and mailing me a new one, in which they stated was delivered on XX/XX/XXXX, but was not. Then between XX/XX/year> thru XX/XX/XXXX. I was placed into medical care in XXXX, XXXX During this time my account was accessed. I reordered a new card. My disputes keep continuing to be denied even after providing documentation and the individuals that I speak to on the phone keep inputting my information improperly causing the issues to not be resolved. They are fraudulently holding my funds and not returning them to me. Due to HIPAA laws, I can not provide every piece of documents, and XXXX of the associates ask for me to submit my medical records as proof during a phone call. The documents include the showing of the police report and XXXX assault, medical stay records, and some of the disputes that were declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I initiated an ACH transfer from my XXXX account to a XXXX account. I made a clerical error by inputting the wrong account number. I contacted XXXX customer service and spoke with a supervisor to request an ACH Reversal due to incorrect recipient data, as permitted under XXXX rules. The bank refused to initiate the recovery process or investigate the error, failing to comply with my rights under Regulation E ( Electronic Fund Transfer Act ), which requires financial institutions to investigate reported errors in electronic fund transfers. I am requesting that XXXX contacts the receiving bank ( XXXX ) to recover the funds sent in error before they are withdrawn by an unintended recipient. Exact amount : {$1000.00} Report date : XX/XX/year> at XXXX am XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: NY

Complaint narrative:
In XXXX Capital One blocked me from using my account for identity purpose. They asked me to send them picture ID which I did twice ( copy of XXXX drivers license ) Account was still blocked said it wasn't usable and told me to go to nearest branch with ID No branch available in my area. Added picture ID to my phone to open my account ( which I have 2 of ) still would not let me into account Called and directed them to close the account that I would send a check for the balance minus my {$3.00} cash rewards. I mailed check they closed my account on XX/XX/year> But did not apply my cash rewards leaving a balance of {$3.00} In XXXX statement I got charged a {$3.00} late fee and {$0.00} interest I contacted Capital One and talked to a XXXX XXXXXXXX about this he state he could only apply for the cash rewards part of my balance ( which he has not done as of this time ) I would be responsible for the late fee and interest. So they are charging me a late fee and interest on they fees for not applying by cash rewards before closing my account THIS IS NOT RIGHT I destroy the card that day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased what I believed to be an authentic XXXX jacket. I used PayPal to complete the transaction. The listing appeared legitimate, the branding looked authentic, and I had no reason to question the transaction at the time. When the jacket arrived, the measurements were so significantly off that I began investigating its authenticity. After contacting XXXX directly, I confirmed the jacket is a counterfeit. I contacted the seller and requested a refund. Their response was to instruct me to mail the counterfeit jacket to another one of their customers - and only then would they issue a refund. I refused to participate in defrauding another consumer who had no knowledge they would be receiving a fake product. The seller subsequently refused to issue any refund. I have screenshots of these conversations. I then filed a dispute with PayPal, submitting documented evidence including screenshots of all seller communications, and explicitly stated that their platform had been used to facilitate the sale of counterfeit goods. I requested that the transaction be voided. PayPal denied my dispute, stating that it did not meet their qualifications for a billing dispute providing no further explanation. I am filing this complaint for the following reasons : 1. PayPal failed to provide adequate consumer protections. Despite documented evidence of fraud and the sale of counterfeit goods, PayPal denied my dispute without meaningful investigation. This represents a failure of their stated buyer protection policies. 2. PayPal 's platform was used to knowingly facilitate the sale of counterfeit goods. The seller 's willingness to condition my refund on passing the counterfeit product to another customer makes clear this was not an isolated mistake- this was an intentional scheme. PayPal 's denial effectively sanctions this conduct. 3. PayPal 's dispute resolution process is inadequate and deceptive. Denying a documented fraud claim without explanation is inconsistent with those representations and potentially deceptive under the Consumer Financial Protection Act. I am requesting that the CFPB investigate PayPal 's handling of this dispute and their broader failure to protect consumers from fraud conducted through their platform. I am seeking a full refund of the transaction amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Finance of America Holdings LLC
State: PA

Complaint narrative:
At first they would not talk after her death, now they are harassing me with letters and sending the sheriff to my house, calling and more letters, I am waiting on probate with the court, They said they couldnt talk because I have a lawyer. Now they are sending papers from the funeral home and pictures of my Mothers guest book, This is so hurtful all over again. Its bad enough that she did this, Because she was not in her right mind at XXXX XXXX XXXX! Finance America, does this to all older people, I know for a fact, Three other older people in XXXX! and a woman in Texas! Their interest rates are set up to lose your home!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX XXXX i responded to an email from PNC bank, stating to call asap regarding possible fraud charges. \n\nI called number provided in which they stated I would have to go into a branch in order to access any funds.\n\nOn XXXX XXXX XXXX XXXX I went into the only PNC bank in area, XXXX Fl and followed instructions per fraud dept. \n\nThe branch manager said he could not even see any info in my account and they only told him he could not discuss anything with me regarding my account. \n\nIve stayed on hold for hours and hours periodically , to no avail. \nI did get someone this morning at XXXX XXXX, in which they told me my account was under review, and no money can be accessed until the review was complete. \n\nThey offered no timeline, only saying possibly 30 to 90 day review. \nI told them I was traveling. And PNC was the only bank that I use. I have ZERO money in any other institution. I have no money to pay for gas, hotel, cell bill, car note, NOTHING. I even got sick and need medical attention and my prescription medications cannot even be picked up without payment. \n\nThese are life threatening issues I am facing with nobody that can do anything about it. \n\nI am following protocol. However, when I told the PNC FRAUD, that I am dealing with life threatening issues due to them withholding my money , for no reason whatsoever, they hung up the phone on me. \n\nPlease Advise what my next step of action is as I am in a state of shock over this matter. \n\nRegards,\XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
Both companies sent their demand letters and Notices of Right to Cure directly to my employer starting in XX/XX/year>, never to me or my home address. I contacted them twice to inform them they had violated FDCPA laws by directly sending their demands to my employer on 3 separate dates. I disputed the debt and informed them of their violations. The last letter I faxed to them was on XX/XX/year>. As of today, XX/XX/year>, I have not heard from either company about this so called debt. The have violated collection practices by not confirming the debt and contacting my employer directly. My employer should not have seen any of the documents they sent to the office. I have never lived at the company address so what they did was intentional.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation