vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I am filing this complaint regarding a retail installment sales contract financed through my original loan purchased by The Huntington National Bank. 

In XXXX, I purchased a new travel trailer from XXXX  XXXX  in Indiana. The loan contract contains the required FTC Holder Rule language stating that any holder of the contract is subject to all claims and defenses that I could assert against the seller. 

Since purchase, a latent structural defect has become apparent in the trailers underbelly and flooring system. The defect allows moisture retention that causes structural floor deterioration and presents a potential safety risk during road travel. 

Additionally, I have discovered that two separate Bills of Sale exist for this transaction, dated nine days apart. The second version added an AS IS clause at pickup without clear explanation of what changed between the two documents. I am currently working with the Indiana Attorney Generals office ( Case # XXXX ), and an XXXX safety defect report has been opened ( Investigation # XXXX ). 

Both the selling dealer ( XXXX XXXX ) and manufacturer ( XXXX XXXX have declined responsibility. 

Under the FTC Holder Rule, I am formally asserting my claims and defenses against the seller as applicable to Huntington as the contract holder.

I am requesting that Huntington : 1. Acknowledge this dispute under the Holder Rule.

2. Review the full funding package it received from the dealer, including which Bill of Sale version was submitted. 
3. Mark the account as disputed.

4. Refrain from adverse credit reporting related to the disputed amount.

5. Communicate with the dealer regarding resolution of this matter. 

This complaint concerns the lenders obligations as a contract holder under federal regulation and the proper handling of a disputed retail installment contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
link to XXXX ( XX/XX/XXXX ). i went through bank statements per photo attached and some dates missed but no all per their statements. SPS acquired XX/XX/XXXX and a REP stated to me DO NOT pay any payments until fully transferred so payment isn't sitting in lingo during transfer, convo was RECORDED. therefore, XX/XX/XXXX, wouldve been first payment. SPS increased monthly payment XX/XX/XXXX per statement, but NO notification was sent to me. This {$14000.00} past due is incorrect, the payments made biweekly all of XXXX per docs. The payments made in XXXX AND these Foreclosure and Attorney fees should be removed. i was told before the fees can be removed this too is RECORDED. This {$820.00} modification is UNFAIR for DURATION of the loan. SPS can not just change my loan amount higher on a 4.5 % interest rate and a {$61000.00} initial payout. The modification needs to be long enough to pay off the past due amount. I'm garnished by my job for a XXXX  XXXX and by law SPS require so much of a modification. i paid {$740.00} three months. End of XXXX {$740.00} paid for XX/XX/XXXX. End of XX/XX/XXXX paid for XX/XX/XXXX. XX/XX/XXXX split half & XX/XX/XXXX Half paid for XXXX. i was told these payments went to past due and NOT actual payments so now their statements show these months missed. i will save all these complaints, all my personal docs are noted and highlighted if SPS tries to foreclose on me, I'm ready to present this to the Judge. THIS PAST DUE OF {$14000.00} IS NOT CORRECT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I attempted to open a XXXX  account, including a business account. I uploaded all the required documents as prompted, with my passport being the final step. I have a U.S. visa, but the prompt never specified that a U.S. visa page was required. The following day, I was notified that my account had been suspended. I contacted customer service, but was given no reason they simply said I would be notified of the outcome via email. I waited two weeks and received nothing. I reached out to customer service again, still with no explanation provided. I then requested to close my account, but the representative said they did not have the authority to do so, and again promised that I would be contacted by email. Two weeks later, I finally received an email informing me that my account had been closed. All of my other bank accounts remain in normal use. I suspect that XXXX engaged in XXXX discrimination and illegally accessed my personal information beyond what was necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: NH

Complaint narrative:
Credit Acceptance Corporation repossessed my car on XX/XX/year> without me being in default and without providing a default notice. 

XXXX XXXX in XXXX NH who towed the car and took possession of personal items in the car and will not release them.

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 2026-02-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
am reporting entity [ company,21st Mortgage Corporation , manufactured home lender us ] for unfair business practices. 

The company has refused to communicate with me in writing despite repeated requests and is refusing to confirm receipt of a valid payment made via XXXX XXXX on XX/XX/year> and they normally apply the payment the same day, but they are refusing to confirm receipt of payment since I requested everything we do be done in writing I have proof of payment and multiple unanswered written communications. Their actions appear to be part of a pattern of ignoring consumer rights and failing to provide transparency regarding payments. 

I am concerned this behavior may impact my account status and credit reporting. 

I am submitting this complaint so the issue is formally documented and reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: KY

Complaint narrative:
Ic systems who is working with XXXX to collect a balance I already paid. IC systems continually ask for proof of payment so i gave them proof through a fax number they provided me yet they will send only tell me that they sent it to XXXX and that I would need to talk to XXXX but when I try to contact XXXX it refers me to IC systems I gave all parties XXXX, XXXX and IC systems proof yet they refuse to respond even after proof that I already paid but no answers will they give me.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recived message for payment paid to XXXX XXXX XXXX XXXX {$40.00} I use my bank Wells Fargo account And send payment, but have a misstake from bank worker and that pa sent adder office, I send that office message for bank worker did misstak return my payment that office return {$39.00} after that I deposit chash extra {$5.00} for payment return XXXX XXXX XXXX XXXX after one da I when check my bank they are pick up {$40.00} payment after two day I call XXXX XXXX XXXX XXXX say payment they recived the day me for dont received payment that payment very important for my life please check and sent me who or what office sent my payment, I send your office my bank Wells Fargo stetment

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Complaint Against TD Bank Extended Check Hold I am filing this complaint regarding an extended hold placed by TD Bank on a cashiers check deposit in the amount of {$8500.00}. 

The check was deposited on XX/XX/year>. TD Bank issued a notice stating that the funds would be available no later than XX/XX/year>, citing a hold pending verification. However, this delay has caused severe financial and humanitarian hardship. 

The deposited check represents my own funds that were returned to me via cashiers check from a company XXXX XXXX XXXX XXXX ). I have written confirmation from the issuer verifying the legitimacy and purpose of the funds. Despite this, TD Bank has refused to release the funds prior to the stated hold date, even after escalation requests. 

These funds are urgently needed for a time-sensitive immigration bond payment with a court deadline of XX/XX/year>. The banks hold has placed my family at serious risk of legal and humanitarian consequences. 

I am requesting : 1. Immediate review of the hold under Regulation CC. 
XXXX. Confirmation that the check has fully cleared through the issuing bank. 
XXXX. Consideration for early release of the funds due to documented urgent circumstances. 
XXXX. Written explanation detailing the legal basis for the extended hold. 

I believe this matter requires supervisory review and expedited resolution. 

I have proof of refunded money, letter from XXXX XXXX XXXX, I have a photo of my check that previously I sent to XXXX XXXX XXXX, and after they refunded my money back Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am filing a complaint regarding USAA Federal Savings Banks denial of my fraud claim related to a bank-impersonation social engineering scam. 

On XX/XX/year>, I was contacted by an individual posing as a USAA representative who falsely claimed my account was at risk. Acting under this deception and urgency, I was led to complete a XXXX transfer of {$570.00}. I believed I was protecting my account from fraud. 

Once I realized the individual was not affiliated with USAA, I immediately reported the incident. I filed a formal dispute ( Dispute ID XXXX ), submitted a written appeal, and provided a police report from the XXXX Police Department ( Tracking Number XXXX ). 

USAA denied the claim on the basis that the transaction was authorized, relying on XXXX Terms of Service. However, this conclusion fails to account for the fact that the authorization was obtained through criminal impersonation and deception. I did not knowingly or willingly authorize a fraudulent transfer. 

I am requesting that USAA reconsider this determination under consumer protections applicable to impersonation and social engineering fraud and return the disputed funds.

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 2026-02-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I am submitting this complaint to formally dispute a medical debt that has been placed in collections by Medical Data Systems on behalf of XXXX XXXX XXXX XXXX. 

The account reflects a balance of {$14000.00} and is reported as unpaid. I dispute the accuracy and validity of this debt. I have not received sufficient documentation to confirm that this amount is correct, properly billed, or that I am legally responsible for the charges. I have also not been provided with a complete itemized statement showing how this balance was calculated, including any insurance payments, contractual adjustments, or financial assistance that may apply.

Because this account has been reported as a collection, it may be negatively affecting my credit profile. Reporting a debt without proper verification is concerning and potentially inaccurate. 

I am requesting full validation of this debt, including : A detailed, itemized billing statement Proof that I am financially responsible for the charges Documentation showing the amount is accurate after all insurance processing and adjustments Evidence that the collection agency has the legal authority to collect this debt If the debt can not be fully verified and documented, I request that it be corrected or removed from all credit reporting agencies and collection activity cease immediately. 

I respectfully request a thorough investigation and written confirmation of the findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I notified Citi XXXX that an account had been opened in my name without my knowledge, authorization, or consent. I did not apply for this account, did not authorize anyone to open it on my behalf, and have never used the account. 

I informed Citi XXXX that this matter involved identity theft and the non-consensual use of my personal information. I subsequently provided supporting documentation, including a Police Report and FTC Identity Theft Report, which were faxed and emailed to the bank. 

Citi XXXX closed my claim but verbally advised that the investigation could be reopened. I requested copies of the documents relied upon to open the account, including the original application/enrollment records, identity verification XXXX XXXX XXXX documentation, method of application, and any IP or device-related identifiers associated with the account opening. 

Despite multiple requests, Citi XXXX did not provide the requested documentation. 

On XX/XX/year>, I formally submitted a written reinvestigation request, along with a notarized identity theft statement, Police Report, and FTC Identity Theft Report. Citi XXXX has indicated whether the matter is still under review nor has it not produced the requested supporting records.

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 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: FC HoldCo LLC
State: IL

Complaint narrative:
I am filing this complaint due to XXXX XXXX XXXX 's failure to honor hardship assistance promises, their deletion of communication records, and their repeated harassment of third parties. 

Ignored Hardship & Deleted Records : Between XX/XX/XXXX and XX/XX/XXXX, I responded to XXXX separate email invitations from XXXX  offering 'special programs for financial hardship. ' I provided details regarding my unemployment and current housing instability via XXXX secure messaging portal. XXXX failed to respond to these details in writing. XXXX has since removed access to these secure messages sent by XXXX XXXX, effectively deleting the XXXX XXXX of my good-faith attempts to resolve this debt. The second email I received was from a XXXX XXXX but stated the same : XXXX XXXX XXXX has special programs to assist customers facing short term hardships or unforeseen circumstances. If you would like to inquire about XXXX of these programs, please contact a XXXX account XXXX today to discuss your situation. I, again, responded asking who exactly to contact. I received a follow up email to call instead of an email contact so that I could have details in writing. 

Illegal Third-Party Harassment : Despite having my direct email address and being in active communication with me, XXXX began a campaign of harassment against my family. They contacted my mother at least XXXX times, my ex-husband multiple times, and even my ex-husband 's girlfrienda person with whom I have no legal or financial connection and my ex-husband 's mother. These calls began after the initial email contact was made and I became homeless, which I believe was a retaliatory 'shame tactic ' rather than a legitimate attempt to locate me. 

Repossession during Dispute : On XX/XX/XXXX, my vehicle was assumed to have been repossessed in Illinois while I was still awaiting the written hardship details promised by XXXX. I received no notice by email, the most reliable way to make contact with me. I email XXXX XXXX for confirmation that the vehicle was repossessed but have received no response.

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 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have a debt settlement company that has been trying to settle a debt we have with Wells Fargo and their law firm, XXXX AND XXXX. We have been to court 3 times and they say they have not received anything from our debt company. I myself have even tried emailing multiple times as well. This law firm representing Wells Fargo does not respond or any calls or emails. Instead, they keep sending court orders, so they keep tacking on extra court fees. We want to settle this debt, we are not ignoring it. They are ignoring us and just trying to take us to court every time. XXXX reviews say this law firm is known for not responding back. Something needs to be done. We are being harassed over and over for something that could have been settled 4 months ago.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am filing this complaint regarding Portfolio XXXX  continued reporting of an inaccurate collection account on my credit report. 
I disputed this account, and Portfolio Recovery responded with dispute resolved subscriber disagrees, yet they continue reporting the account as an open collection with a balance of {$640.00}. 
Portfolio Recovery has failed to comply with its obligations under the Fair Credit Reporting Act, specifically XXXX U.S.C. XXXX ( b ), which requires a reasonable investigation upon notice of dispute. Simply verifying information without correcting inaccuracies does not satisfy this requirement. 
Additionally, continued reporting of disputed and inaccurate information violates XXXX U.S.C. XXXX ( b ), which requires maximum possible accuracy in credit reporting. 
Because this account remains inaccurate and disputed, and because Portfolio Recovery has failed to properly resolve the dispute, I am demanding immediate deletion of this account from all consumer reporting agencies. 
I am not requesting further verification. I am requesting deletion due to failure to properly investigate and correct inaccurate reporting.

Company response to consumer: Closed with explanation