vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off my loan on XX/XX/year> and I contacted capital one on the XXXX of XXXX. Multiple agents were able to confirm that the payment had posted. However, the agents stated that they MUST wait XXXX business days to release - despite confirming they received it. Their statement states it XXXX take up business days. 

I talked to multiple agents and couldn't even give me a release or anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
I disputed Transunion about a credit collection account listed as XXXX XXXX 2 times due to inaccuracy. It came back verified ; however, they did not provide me with any information that tells me it was verified. I requested the following : Provide me with the full method of verification, including the name of the individual you contacted and the evidence supplied to verify this debt. 
Also, due to error, another credit bureau deleted this inaccuracy from my credit report. 
I have never heard of XXXX XXXX or agreed to my account being sold to this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I received a Pennsylvania XXXX XXXX Notice in XX/XX/XXXX and complied within the required timeframe. I completed my required housing counseling appointment on XX/XX/XXXX, as stated on my XXXX XXXX notice, and entered the HEMAP assistance process. 

My housing counselor timely notified my mortgage servicer, Rushmore Servicing, with documentation confirming my XXXX XXXX protection, completion of counseling, and active HEMAP involvement. This notice was provided within all required statutory timelines. 

Despite this, Rushmore Servicing continued to state that my loan was being placed into foreclosure and began assessing attorney and foreclosure-related fees. I made numerous phone calls informing XXXX that I was protected under Act XXXX and actively engaged in XXXX, but the issue was not resolved. 

To further document my protected status, my housing counselor sent written notice and supporting documentation to Rushmore Servicing on XX/XX/XXXX, as did myself. Again, after a lengthy phone conversation with a XXXX representative I sent a dispute of attorney fees letter on XX/XX/XXXX. Despite these written notices and my numerous calls, XXXX continued to assess or threaten attorney fees during the active XXXX XXXX review XXXX. 

I have not received any foreclosure complaint, court papers, docket number, or sheriff service. XXXX has continued to request loss mitigation documents, including a XXXX XXXX Assistance XXXX, indicating the loan remains in pre-foreclosure review. 

I am requesting that the CFPB require Rushmore Servicing to cease foreclosure-related activity, remove all improperly assessed attorney fees, provide a corrected reinstatement amount excluding attorney fees, and comply with Pennsylvania XXXX XXXX and applicable federal servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I had paid my car payment on XX/XX/year>. It got taken out of my account and the bank reflects it on my statement, I have a trace number and Santander consumer USA is claiming they never received a payment, Ive called them multiple times and they keep telling me to XXXX them again. I dont have access to a fax machine and they are refusing to give me an email to send my proof too. This is ridiculous and I believe Im covered by XXXX so I have refused to make more payments until it is resolved. They are being ridiculously hard to work with, refuse to acknowledge my payment and told me to just pay it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
My money is gone and Im unable to access the Cash app site and locked me out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is reporting two different amounts for two different unknow accounts on my credit report, I was never notified of any debt. I am writing to formally dispute a collection account appearing on my credit report that I do not recognize. I have no knowledge of this debt and have never entered into any agreement with the collection company reporting it.

Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), I am requesting full validation of the alleged debt. Additionally, under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), all reported information must be accurate and verifiable. I am requesting a reinvestigation under FCRA 611 ( a ). I do not have a contract with this company.

I am disputing this account and requesting full validation of the alleged debt. Please provide a copy of the original signed contract, proof of ownership or legal assignment, and a complete itemization of the amount claimed to be due. Under FDCPA 1692g, a debt must be properly validated, and under FCRA 607 ( b ), information reported must be accurate and verifiable. If this information can not be provided, the account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We went to open checking account in BOFA on XXXX XXXX, XXXX in the branch of XXXX, located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with my sister who has a legal status in XXXX and provided electricity bills, her passport, her other document ID. 
The worker in the bank is literally told us the following on my question : So, you open accounts for illegals in the country, but you refuse to open the legal visa holder the account in BOFA '' .He siad : Yes, But illegals live in the country. '' On my question, should XXXX XXXX record that statement, can you repepat it? He left the room, consulted with his coworkers/ or boss, then he came back to the room, ( with all the documents and passport including still lying on his desk ) he didnt look at us, gathered in silence his computer, dont even looked at us at all silently left the room. That was disgusting, disrespectul, and with such discriminating to us, and especially to my sister, who came in XXXX on legal status by law. 
The name of this representative in the bank who treated us with this very discriminating and disrespectful way, was : XXXX XXXXXXXX XXXX XXXX  We sited in the room for XXXX minutes, wondering what happened, then we went out to the lobby, and asked the XXXX  XXXX the same question and we didnt get the clear answer : Does really illegals in XXXX have more rights to open accounts than legal visa holders? '' XXXX XXXXXXXX told us to wait in the lobby while someone will attend XXXX. We sited around XXXX XXXX. with kids getting tired, and noone from BOFA REPS came to us to explain the situation. We left. This was very discriminative act towards legal visa holders in XXXX, very XXXX, very disrespectful action.And I want publicity to know about this case and not to recommend any person to open accounts in BOFA at all.I 'm going to publish this story in XXXX, XXXX XXXX XXXXXXXX, and other public media and social media so XXXX people know how really legal immigrants treated in XXXX compare to illegals criminals who come to the country crossing the border illegally, and have more rights than any legal alien visa holder in XXXX. I have convo recordered with BOFA Rep. in the lobby and witness to this conversation with rep. XXXX 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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITI Bank Credit Card Account I was using Citi bank 's AA advantage card from last one year. Upon the year end when renewal neared I called the bank and requested them to close my account as I did not wish to renew the account. Renewal would cost me an annual renewal fee of {$99.00}. To that the customer agent told me to downgrade the card to Citi 's mile-up card. This way I would not have to pay the annual renewal charge. I agreed to that and my card was downgraded but the next month I was charged {$99.00} for renewal. I was told this charge would be reversed in next 2 billing cycles. Instead of reversing I was charged a lates fees and an interest on the initial renewal charge. Now the total sum was {$130.00}. I called the bank again and talked to them about this and they said I need to do nothing and this all charge will settle on it's own. But now I started to get call that my payment is overdue for more than XXXX  days and so on. I get daily automated calls. When I reached out to CITI again. They say you should pay the minimum payment due to keep my account current. And I should call to get this refunded later. 

My Issue is when I did not spend anything and the charge which should not have been there initially was put up by the bank and then the associated fees was also charged. Why should I be paying anything and block my money with them and then take trouble to call them again and get myself refunded where I should not have been charged at all.

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 monetary relief
Consumer complaint received 2026-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: AK

Complaint narrative:
Previous CFPB Case # XXXX and XXXX XXXX. XXXX, XXXX, and XXXX. In response to your lettered dated XX/XX/year> in Paragraph XXXX, you stated that XXXX is not reporting these accounts to the credit bureaus. However, a review of all credit bureaus these accounts are listed. 

Additionally, these accounts do not belong to me. I have already provided a copy of the originally filed police report that lists the accounts as identity theft. In addition, XXXXXXXX XXXX reference number XXXX has already properly conducted an investigation and has agreed this was identity theft. 

Please close each of these accounts and remove them from my credit bureau files. Otherwise, I will file a lawsuit on XXXX, XXXX, as well as name each and every complaint specialist who have signed the letters for damages to be determined in court for failure to complete a complete and accurate investigation into the identity theft. 

Additionally, the claim of a phone number or an e-mail address does not verify nor validate any 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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I made a substantial payment to the wrong credit card company Capital one ( It was my mistake ) But have been trying to get the money I over paid back, so I can pay the right credit card company. I have been trying for going on almost two months now, I called them 4 times and each time I'm told it's under review and the check should be sent out in ten days. 
Today I called and to talked to a supervisor. 
And again was told the same thing under review be patient and keep calling back. 
There is no reason in today 's modern age that it should take this long to get my own money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: IL

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I bought a new car from XXXX XXXXXXXX I put XXXX $ down and had my bank ( Chime ) send XXXX XXXX a check for {$20000.00} XXXX XXXXXXXX received the check and called me to pick up the car XXXX days later they called me back and said the check didn't clear I called Chime and they said the check was cashed by the recipient The recipient ( XXXX XXXXXXXX ) said the check was no good Neither Chime or XXXX XXXX has returned my {$20000.00} I am a XXXX Veteran and I need some help to recover my money Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart Mediation Services
State: MI

Complaint narrative:
LOCKHART is falsely reporting on my credit. I have never had any accounts with them. Per my research LOCKHART is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I am the court-appointed XXXX of the XXXX  of my late father pursuant to certified Letters of Administration . Santander XXXX  holds funds belonging to the decedent. 

I was instructed to, and mailed complete estate documentation to Santander on XX/XX/XXXX, and again by email on XX/XX/XXXX, including Letters of Administration, death certificate, estate XXXX confirmation, a cover letter, and identification. I requested confirmation of receipt and notice of when processing would begin. 

Santander has provided no acknowledgment of receipt, no request for additional documentation, no deficiency notice, and no processing timeline. 

On a follow-up phone call today, Santander refused to connect me with a supervisor from Legal department and refused to provide the date the review began or any maximum processing timeframe.

Santanders failure to acknowledge or process this estate claim is preventing lawful administration of the estate, including payment of obligations. I am requesting immediate written confirmation of receipt and prompt release of estate funds, or a written explanation identifying the specific reason for the continued delay.

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 2026-01-12 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
elp 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 non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL
State: GA

Complaint narrative:
The parking was paid for. 


information snows : How can you dispute the debt? 
You had Notico of Non-Compliance with XXXX XXXX XXXX XXXX, with Notice of Non-Compliance number XXXX As of XXXX, you owed Between XXXX XXXX XXXX You were charged this amount in interest + Call or write to us by XXXX, to dispute all or part of the debt. If you do not, we will assume that our information XXXX correct If you write to us by XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents, We accept disputes electronically al toward the debt Total amount of the debt now ; XXXX XXXX XXXX XXXX What else can you do Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XXXX we must stop collection until we sond you XXXX use the form below or write tc without the form. We accept such requests electronically a " oxygenem * Go to www.cipb.gov/debt.collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you Contact XXXX about your payment optone Pongase en contacto con nosotros para solicitar XXXX XXXX de XXXX XXXX XXXX XXXX XXXX this form to : Oxygen XXXX XXXX XXXX XXXX Fl XXXX, FL. XXXX [ ] * p XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX How do you want to respond? 
Chock all that dool I want to dispute the debt because I think : This is not my debt. 
The

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
I am disputing the accuracy and validity of a collection account being reported on my credit file. 

I made multiple good-faith attempts to cancel my gym membership at anytime fitness prior to the billing date of XX/XX/XXXX, but the gym was unreachable and provided no response. Despite these documented pre-billing cancellation attempts, the account was billed and later sent to collections. 

Before XX/XX/XXXX : I made repeated phone calls to the gym location to cancel my membership. I have call records showing these attempts. No calls were answered, and no return contact or voicemail option was provided. 

After XX/XX/XXXX : I received a message stating that my account was due. 
XX/XX/XXXX : I sent a written cancellation email. 

XX/XX/XXXX : I sent a second written cancellation email after receiving no response. 

XX/XX/XXXX : I was informed by XXXX major credit bureaus ( XXXX ) XXXX my credit report now includes an account that is in collection status worth around {$200.00}. 

XXXX XXXX : I forwarded the cancellation email to anytime fitness again and I received a call a few hours later from the XXXX XXXX XXXXXXXX ( XXXX XXXX and the collection agency that my XX/XX/XXXX email was received by the gym ; however, no response was ever provided because it was under a different management that was irresponsible and there is nothing they can do at this point. 

Despite these good-faith attempts to cancel, the account was sent to collections and is now being reported as a valid collection account.

Company response to consumer: Closed with explanation