vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
What happened : On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX location to rent a XXXX XXXX XXXX. I was assigned rental contract XXXX for vehicle XXXX During the rental process, the XXXX agent encountered a system error that prevented him from directly assigning me the XXXX XXXX XXXX XXXX To work around this system limitation, he temporarily added a different vehicle, XXXX, to my account in the computer system, then immediately removed it so he could properly assign me the XXXX XXXX XXXX that I actually wanted to rent. 

I never received keys to XXXX, never took possession of it, never drove it, and had absolutely no contact with this vehicle whatsoever. This was purely an administrative workaround by the XXXX employee to fix a problem with XXXX 's computer system. 

I drove only the XXXX XXXX XXXX throughout XXXX entire rental period from XX/XX/XXXX, through XX/XX/XXXX ( through subsequent contract renewals XXXX and XXXX ). XXXX 's own invoice for contract XXXX confirms that XXXX was my rental vehicle, which I drove XXXX miles. 

On XX/XX/XXXX, I received an invoice from XXXX demanding {$1400.00} for damage to vehicle XXXX ( Damage Claim XXXX ), allegedly incurred on XX/XX/XXXX. This is impossible because I never drove this vehicle, never possessed it, and only had contact with the XXXX XXXX XXXX. 

On XX/XX/XXXX, when I returned my actual rental vehicle XXXX, XXXX 's XXXX return inspection checksheet explicitly states : " No new damages were detected. '' Despite the clear facts that : XXXX continued to harass me with collection letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, threatening to send this fraudulent {$1400.00} claim to collections and report it to credit bureaus. 

I disputed this fraudulent claim by calling their customer service and they confirmed that they added a note on my account that I only drove XXXX and never had possession of XXXX. 

However, XXXX sent this fraudulent debt to a third-party collection agency, Summit A * R, Inc. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX ). 

On XX/XX/XXXX, I received a collection demand from Summit A * R, Inc. attempting to collect this fraudulent {$1400.00} debt, threatening to report negative information to credit bureaus if I do not pay. 

XXXX is now using a debt collector to intimidate me into paying for damage to a vehicle I never drove, never possessed, and had no contact with. The vehicle was only associated with my rental account for minutes due to their employee 's system workaround. 

I have attached all the documentation that I possess to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Synergetic Communication Inc
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling of unauthorized credit card transactions on my account. Navy Federal has denied my dispute and closed the matter despite failing to conduct a reasonable investigation as required under Regulation E and applicable card network rules. 

The unauthorized charges total {$1200.00} and consist of XXXX transactions from XXXX : {$880.00} on XX/XX/2025 {$360.00} on XX/XX/2025 I did not authorize either transaction, did not initiate them, and did not receive or benefit from any goods. I reported the charges promptly as unauthorized and provided truthful information throughout the investigation. 

Navy Federals denial relies solely on the assertion that a push notification was sent to my phone number and that the transaction was confirmed. A push notification response does not establish that I personally authorized the transactions, nor does it prove identity, intent, or control. Devices and phone numbers can be compromised, accessed by third parties, or misused without the account holders knowledge.

Navy Federal has not demonstrated : That I personally authorized either transaction That I received or benefited from the merchandise That the device, IP address, or shipping information matched my known usage That the transactions aligned with my historical spending behavior Additionally, Navy Federal refused to provide substantive investigative details, stating that they do not disclose internal investigation methods. This prevents meaningful review and raises concerns about whether a reasonable investigation occurred.

Despite my sworn denial of authorization for both charges, Navy Federal stated that the decision stands and closed the matter. XXXX on an automated confirmation alone does not meet regulatory standards for determining authorization and unfairly shifts the burden of fraud to the consumer. 

I am requesting that the CFPB require Navy Federal Credit Union to : Conduct a proper investigation consistent with Regulation E and card network requirements Provide a clear explanation of how authorization was determined for both transactions Correct the account by crediting the unauthorized total of {$1200.00} if authorization can not be proven I am seeking a fair resolution and correction of these unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
CFPB Complaint Narrative TD Bank TD Bank confirmed that a credit/refund was owed, highlighting their responsibility to act promptly. As of XX/XX/year>, no refund check has been received, which undermines trust and accountability. This acknowledgment should help them resolve the matter quickly. 
The delay constitutes unreasonable processing and non-compliance with Regulation Z ( Truth in Lending Act ). I would like to have a written confirmation of compliance to verify that proper procedures are being followed. 
The continued withholding of my credit balance constitutes improper handling of a completed payment and delayed disbursement of funds. I would like you to issue the refund owed and provide a written confirmation that the account has been fully resolved, with no remaining balance or reporting issues. XXXX resolution will reinforce their accountability and commitment to proper service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
In XXXX there was a lot of hurried activity to pay the XXXX XXXX policy for a condominium mortgage held by SPS mortgage company ( Select Portfolio Servicing Inc ) which failed to pay XXXX XXXX in a timely manner. They failed to pay LAST YEAR when the new policy started XX/XX/XXXX. Now that it is the new year of XXXX, the same issue has surfaced that SPS ( Select Portfolio Servicing ) company has failed to pay XXXX XXXX in a timely manner, I am devoting multiple hours on the phone to expedite payment of the XXXX insurance policy because SPS mortgage company has failed to properly pay the company in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
My student loans are serviced by MOHELA. I was formerly enrolled in the XXXX plan, which was deemed unconstitutional by the courts. Accordingly, MOHELA advised that I must apply for a new income based repayment plan. I submitted the application in XXXX and MOHELA confirmed receipt of the application. However, they still have not processed the application and Im left in limbo where forbearance is accruing without me being able to make a payment, and Im also not receiving any time credit for my enrollment in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX program. When I contacted MOHELA to request an update on my application status, they informed me that they have no idea how long it will take to process my application and that their internal guidelines do not require them to complete it in any specific amount of time. This entire situation is unethical and illegal and must be resolved immediately or my loans discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Approximately six years ago, I experienced significant personal hardship during a period when I lost access to my storage unit. As a result, I lost many of my personal belongings and important records. During that same time, I was unaware of what occurred with my bank account and did not receive clear communication or documentation explaining the issue. Since then, I have made multiple attempts to contact XXXX XXXX XXXX by email and other means to better understand or resolve any issues on my record. Unfortunately, I have never received a response. Recently, I attempted to open a bank account with XXXX. Initially, I was informed that everything was fine and the account was opened. However, about a week later, the account was unexpectedly closed, and I was instructed again to contact XXXX XXXX XXXX. I followed those instructions and reached out once more, but I still have not received any response. I am trying to resolve this matter in good faith so I can maintain a stable bank account and move forward responsibly. I respectfully request clarification regarding any records associated with my name and guidance on how to resolve them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I attempted to use an American Express gift card with a confirmed available balance of {$25.00}. The transaction was declined, and when I checked the balance online, the card was marked ON HOLD and unusable despite the funds being available. The only attempted transaction was declined and did not post, and no prior warning or explanation was provided for why the card was frozen. 

I called the customer service number listed on the official American Express gift card site and on the card itself to resolve the issue. The call quality was extremely poor and unprofessional. There was loud background noise, the representative repeatedly stated she could not hear me, and I could barely understand her due to the party happening around her and her extreme accent. Despite the inability to communicate clearly, I was told the card could no longer be used and that I would need to receive a replacement card. 

Due to the unsafe communication conditions and lack of clear information, I did not feel comfortable providing personal information over the phone. As a result, I was left without access to the funds on the card and without a secure or reasonable way to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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:
I am submitting this complaint regarding inaccurate federal student loan servicing by MOHELA that has negatively affected my Public Service Loan Forgiveness ( PSLF ) eligibility and repayment history.

Issue Summary MOHELA has incorrectly coded periods of my loan history ( XXXX ) as a grace period when the loans should have been recorded as forbearance due to financial hardship related to XXXX XXXX XXXX XXXX XXXX  This servicing error misrepresents my loan status and may improperly exclude qualifying months from PSLF credit. 

Background and Timeline From XXXX through XXXX, I was employed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX meeting PSLF employment requirements. 
During this same period, my loans were placed into a status that MOHELA now reflects as a grace period. 
I was not eligible for, did not request, and did not utilize a grace period during this time. Any deferment or forbearance granted was based on financial hardship during residency and fellowship training. 

Financial Hardship Explanation My individual annual income during XXXX was approximately {$45000.00} {$50000.00} as a medical trainee. 
My spouse at the time was also in medical residency and fellowship training, earning a similar trainee salary. 
We each carried separate federal student loan balances and were each independently responsible for IDR/IBR-eligible federal student loan repayment obligations. 
Although joint tax filings may reflect a higher household adjusted gross income, that income represented two trainee-level salaries supporting two separate federal student loan repayment burdens.

When evaluated on an individual borrower basis, required IDR/IBR payments relative to my income would have constituted a financial hardship, consistent with federal student loan standards for trainees.

Harm Caused As a result of MOHELAs incorrect loan status coding : My federal loan repayment history is inaccurate My PSLF qualifying payment count may be improperly reduced Incorrect information may have been reported to the Department of Education, affecting long-term loan forgiveness eligibility

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
The account was opened on XXXX, and funds were deposited using a business account, which I was unaware was against company policy. Around the XXXX, I was contacted and informed that the transfer had been canceled. I was advised that because the funds originated from a business account, they would need to be returned to the originating account and then resent from a different account. I followed these instructions as directed. 

The following day, I was contacted again and informed that the transaction had been canceled due to the companys inability to process business accounts. I then attempted to transfer the funds to a personal savings account ; however, that transaction was also canceled because it was not the original source of the funds. 

I have now made three separate attempts to have my funds returned, and each attempt has been canceled. Each time, I am met with repeated references to policy and escalations to supervisors, none of whom have been able to resolve the issue. 

At this point, I am requesting the immediate return of my {$2800.00} and the closure of my account I would attach documents but I am unable to access my account. I have been locked out since the XXXX and have tried to close my account in all 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase Sapphire Reserve cardmember and filed an XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) claim for damage to a rental vehicle returned on XX/XX/XXXX. The rental was booked through Chase XXXX and paid entirely with XXXX Rewards points. 

The XXXX claim was submitted on XX/XX/XXXX. Over the following weeks, Chases benefits XXXX, Virginia XXXX XXXX XXXX XXXX, requested additional documentation, including proof of payment, which was provided using Chase XXXX and Ultimate Rewards records. 

On XX/XX/XXXX, the claim was formally denied on the stated basis that the driver was not covered, despite the driver being an authorized user with an embossed Chase Sapphire Reserve card and listed on the rental agreement, which appears inconsistent with the published Guide to Benefits. 

On XX/XX/XXXX, I mailed a formal written appeal with supporting documentation to Virginia XXXX XXXX XXXX XXXX, requesting reconsideration and a written determination. The denial letter indicated that appeals would be reviewed and responded to within approximately XXXX days. 

As of XX/XX/XXXX, more than XXXX months have passed with no acknowledgment, response, or written determination from Chase or its XXXX. 

I am submitting this complaint due to the failure to respond to a complete and timely appeal and the absence of a written determination regarding a credit card benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
The Chase XXXX XXXX Department and Executive Offices continue to be extremely difficult to work with. I currently have an open case that should still be active with your Executive Offices ; however, none of my concerns have been resolved despite multiple phone calls, emails, and the submission of supporting documentation. 

I have now sent three separate emails to the Executive Office without receiving any response. I am requesting that Chase urgently improve internal communication between its departments to address the outstanding matters on my account and to provide mortgage assistance while these issues are being reviewed and resolved. 

My husband lost his job, which is documented with Chase, so Chase is aware of all of the multiple matters at hand. 

At this time, there appears to be no coordination or communication between departments, leaving meyour customercontinually reaching out for help with no meaningful progress. These matters should not be this difficult to resolve. The ongoing lack of response and assistance is directly impacting my family, while Chase has failed to provide adequate support. 

I am requesting immediate attention, clear communication, and a timely resolution. It should not be taking this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which imposes a duty on furnishers to provide accurate and complete information. 

The account listed below contains information that is inaccurate, incomplete, or misleading : Creditor/Furnisher Name : Santander XXXX XXXX Account Number ( partial ) : XXXX Item ( s ) in Dispute : _false payment balance XXXX This information is incorrect because : Ive been making payment towards my car note and the balance is supposed to be updated to {$24000.00} but it is showing the balance as {$26000.00}. The balance is wrong. 

Under the FCRA, once a dispute is submitted, the furnisher is required to conduct a reasonable investigation and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. 

I am requesting that this matter be investigated promptly and that the inaccurate information be corrected or deleted from my credit file. Please provide written confirmation of the results of your investigation. 

Enclosed are copies of documents supporting my position ( if applicable ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX apt XXXX _ City, State, ZIP : XXXX XXXX XXXX XXXX XXXX of SSN : XXXX Phone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, someone made a fraudulent charge to XXXX I called and disputed. A few weeks later they sent me an email saying that they had determined I did it. I called and reopened and also filed a police report with XXXX Police Department. XXXX XXXX XXXX XXXX XXXX I filed the report on XX/XX/year>. I have no idea who could have stolen my credit card number and used it. Goldman Sachs ( issuer of Apple Card ) just says that I did the purchase and wants me to pay the XXXX I have never had to do pay for something I did not do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
The company LVNV hasn't provided me with any debt collection information as to the original debt or the proof of them purchasing the debt and I asked them to and I don't believe they are even able to do debt collection in my state.

Company response to consumer: Closed with explanation