vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
I am a co-buyer on an auto loan financed through Byrider/CNAC in XXXX, Michigan. The vehicle was purchased XX/XX/XXXX. Within approximately XXXX month of purchase, the vehicle developed mechanical problems involving the XXXX purge system and possible transmission issues. The vehicle was taken to a mechanic for diagnosis. The vehicle was sold with a dealership warranty/service contract that included engine and transmission components. Despite reporting the problems, the issues were not properly resolved. We attempted to return the vehicle and offered to continue making payments in good faith. No payments were missed prior to repossession. The vehicle was repossessed XX/XX/XXXX while the matter was still being disputed. Neither I nor the primary buyer received written notice of repossession sale, notice of sale, or documentation explaining how the remaining balance was calculated. A balance of approximately {$13000.00} is still being reported without proper explanation. I am requesting validation of the remaining balance, proof that proper repossession notices were sent to both buyers, documentation of the vehicle sale, and explanation of how the deficiency balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/year> I was spoofed on call that came directly from the Navy federal customer service number XXXX, XXXX sent Navy federal my XXXX XXXX XXXXog displaying the calls and the pattern. I was at dinner with family and was spoofed under deception and multiplication by hackers or scammers. Ive put my trust in Navy federal for years and to deny my claim when you can clearly tell I was spoofed is unethical and a violation of their policy. Which clear states they will reimburse UNAUTHORIZED fraud claims, but they have to qualify it as unauthorized. Ive presented a police report, records from XXXX with the call logs, an email from the bank the funds were sent to stating I have no affiliation. Ive done XXXX appeals and they have denied each one. My husband is an XXXX XXXXXXXX XXXX XXXX and he is located in XXXX I do everything on the states for our children XXXX is such a lost to my household. The total amount that was transferred to the unauthorized account is {$1700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am filing a formal complaint against Kia XXXX XXXXXXXX regarding an unlawful attempt to reinstate a paid-off auto loan. The account in question was paid in full. Kia XXXX XXXX accepted the payoff, released its lien, and the vehicle title was issued to me free and clear. My credit reports reflect a XXXX balance. The underlying retail installment contract has been satisfied and extinguished. Months after the account was closed, Kia XXXX XXXX sent correspondence stating that the account is being reopened due to an alleged dealer payoff error. This is improper and unlawful. Any internal error between Kia XXXX and a dealership does not create a legal obligation on my part, nor does it permit reinstatement of a satisfied loan without my consent. Under Texas Business & Commerce Code 9.513, once a secured obligation is satisfied and a lien is released, the security interest is terminated. There is no legal basis to revive this account. Additionally, any attempt to reimpose a financial obligation after closure raises concerns under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am also a XXXX XXXX XXXX XXXX XXXX Kia XXXX XXXX actions are causing undue hardship and financial distress. Any attempt to impose or report an invalid debt further exacerbates that harm. I am requesting that Kia XXXX XXXX : Immediately confirm the account remains closed and will not be reinstated Cease all collection activity and communication regarding this matter Confirm that no negative or inaccurate credit reporting will occur If Kia XXXX XXXX continues to pursue this matter, I will pursue all available legal remedies. I am requesting a formal written response and resolution.

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 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal accepted funds into accounts it now restricts from accessing or returning them, effectively locking consumer funds without providing a reasonable method to resolve the issue. Please document that PayPal is holding funds that neither party can access or return and refusing manual review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
On XX/XX/2026, while I was residing in XXXX, I sent a payment of {$840.00} ( approximately XXXXXXXX XXXX XXXX via PayPal for what I believed to be a legitimate rental arrangement. The transaction was authorized from my account ; however, it was made under false pretenses as part of a scam. The individual I was communicating with misrepresented themselves and the legitimacy of the rental, and no service was ever provided at any point. Shortly after the transaction, I realized the listing was fraudulent and immediately reported the incident to both my bank and PayPal. I fully cooperated with both investigations and provided all requested documentation. I also filed a complaint with the FBIs Internet Crime Complaint Center ( IC3 ) and a police report with thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite this, my bank denied my claim on the basis that the transaction was authorized, without taking into account that this was a case of fraud by deception ( fraudulent inducement ), not a legitimate transaction. Additionally, after the claim was denied, the individual who received the funds contacted me again weeks later and referenced if I still wanted my refund, which further confirms their connection to the fraudulent transaction. I have retained records of this communication as evidence. I am requesting that my bank conduct a thorough re-investigation of this matter, taking into account the full circumstances of the scam, and provide reimbursement or recovery of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Tuesday, XX/XX/XXXX at XXXX XXXX i received an email from WELLS FARGO stating that they were unable to approve " my '' application for an Everyday Checking. I do not have a WELLS Fargo account, nor did i attempt to open one. On the same day a few minutes later i received another email again from Wells Fargo, stating " my '' account is ready to use, Everyday Checking has been opened with a {$320.00} Bonus offer. Shortly after i received a 3rd email stating to Track " my '' application with a code that was given. I at first thought it was spam, but then Today, Thursday, XX/XX/XXXX, i received another email from Wells Fargo telling me to sign on to start banking in the app. And again at XXXX XXXX, a welcome to XXXX email from Wells Fargo, stating that i was now enrolled and can start sending and receiving money. Then a couple more emails right after saying that my phone number has been changed and my delivery preference was changed for 2 accounts. I then went physically to the nearest Wells Fargo to verify if this was true and to close those accounts. Accounts were closed around XXXX XXXX today.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
{$800.00} was fraudulently taken from my account via XXXX XXXX transaction. I called the first time to open a dispute. Over the weekend they never reached out. I sent in the police report after calling them. They closed my case i called to get it reopened since they obviously did not look at the police report. Now they have closed it again and wont fix any issue. Terrible bank

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is different issue not being addressed previously! Chase failed to provide the documents upon which they made determination that transactions were authorised. Fraud Violations of FCRA 609 ( e ) and Regulation E. Narrative : I am a victim of identity theft and am disputing appr. {$11000.00} in fraudulent transactions occurring over a two-years period. I have filed an FTC Identity Theft Affidavit and a police report, yet Chase Bank continues to deny my claim and withhold mandatory legal documentation. 1. Violation of FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Chase has refused to provide business records related to an unauthorized replacement card requested on XX/XX/year>. Chase claims they have " no record '' of this call, which is a violation of my federal right to access records evidencing identity theft. If Chase used this call to authorize a card shipment, a metadata record ( including the inbound phone number ) must exist. 2. Negligent Issuance : The card was issued as a " replacement '' with the identical card number and expiration date as my existing card, effectively cloning a compromised account. Chases decision to bypass standard security protocols ( issuing a new number ) directly enabled {$11000.00} in fraud. 3. Violation of Regulation E ( 12 CFR 1005.11 ) : Chase denied my claim stating the transactions were " authorized. '' Under 12 CFR 1005.11 ( d ) ( 2 ), Chase is legally required to provide the documentation they relied upon for this decision. They have refused to do so. 4. Misapplication of the 60-Day Rule : Chase is applying a blanket denial based on a late reporting window. Under 12 CFR 1005.6, liability for unauthorized transfers occurring before the 61st day after the first fraudulent statement remains capped at {$50.00} or {$500.00}. Chase has failed to apply these tiered liability limits and has failed to meet its burden of proof to show these transactions were authorized. Requested Resolution : I demand that Chase : 1 ). Provide the Audit Trail and inbound call metadata for XXXX 2 ). Provide the Explanation of Findings and documentation used to verify authorization. 3 ). Reimburse the {$11000.00} in unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
Subject : Complaint Regarding PHH Mortgage Deed in Lieu Agreement, XXXX XXXX, and Failure to Honor Terms I am filing this complaint regarding my experience with PHH Mortgage Corporation related to a Deed in Lieu of Foreclosure agreement. During the Deed in Lieu process, I was clearly informed and led to believe that I would receive relocation assistance funds upon completion of the agreement. I relied on these representations in good faith while navigating an already difficult financial and personal situation. After completing my obligations, I was later informed that there is an outstanding lien preventing the release of these funds. However, despite repeated requests, PHH Mortgage has failed to provide clear documentation or proof of the alleged lien. I have conducted my own due diligence and have not been able to identify any such lien through available records. This has raised serious concerns about : Lack of transparency regarding the existence and origin of the lien Failure to provide supporting documentation when requested Potential misrepresentation of the terms and conditions of the Deed in Lieu agreement Withholding of funds that were promised and expected At the time of these events, I was also dealing with significant health-related challenges, which contributed to my financial hardship and eventual loss of the property. This made me particularly vulnerable and reliant on the accuracy and fairness of the information being provided by PHH Mortgage. The failure to release the agreed-upon funds has placed me in a difficult position, as I was depending on these funds to secure stable housing and reestablish myself. Resolution Requested : Immediate written proof and validation of the alleged lien, including origin, amount, and legal standing A full accounting of the Deed in Lieu agreement and any offsets applied Release of the promised relocation assistance funds if the lien can not be properly validated Review of PHH Mortgages handling of this matter for potential misconduct or improper servicing practices I am requesting prompt resolution, as this situation has caused both financial and personal hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
In XX/XX/XXXX, I requested FHA forbearance due to unemployment and loss of income. My Mortgage Assistance XXXX was marked complete on XX/XX/XXXX. However, my servicer, Onity Mortgage ( formerly PHH Mortgage ), misrouted my request into a loan modification instead of properly evaluating me for forbearance. I was placed into a trial payment plan that I did not request. During this time, I was advised not to make my XX/XX/XXXX payment while my account was under review. As a result, my account became delinquent. I was later approved for only a short-term ( XXXX ) forbearance, which ended in XX/XX/XXXX. My financial hardship has continued, and I currently have no income. Before the forbearance ended, I requested a forbearance extension due to ongoing hardship. However, my request was not properly reviewed. Instead, it was processed as a new Mortgage Assistance Application and denied. I was then informed that no further review would be completed because my account had already been reviewed within the same delinquency cycle. This has effectively blocked me from being evaluated for any assistance options, including a forbearance extension. Additionally, I have reason to believe my property may have been incorrectly marked as vacant, which may have negatively impacted my eligibility for assistance. As a result of these servicing actions, I am now approximately {$15000.00} delinquent and being directed toward foreclosure alternatives, despite actively seeking assistance and attempting to resolve my situation. I am requesting that the servicer : * Properly review my account for a forbearance extension based on my ongoing hardship * Correct any servicing errors, including occupancy status * Allow my case to be evaluated outside of automated restrictions preventing further review I am actively working to resolve my financial hardship and expect my situation to improve within the next several months, but I need appropriate consideration for available assistance options.

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 2026-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: PA

Complaint narrative:
I canceled with National Debt because I felt the fees being charged for their services were unfairly high. When I canceled with them, they said I still owed fees for debts that had already been settled and paid off. They told me that I was to pay them {$500.00} for services rendered. I paid {$25.00} on XX/XX/year>, {$50.00} on XX/XX/year> & {$50.00} on XX/XX/year>, toward the debt. Each time I have called and spoken to them since canceling the account, the payoff amount has fluctuated from XXXX to XXXX back to XXXX. The original amount to be paid was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the following account that is being reported on my credit file I do not recognize this account and I did not open it. I believe this account is the result of identity theft or fraudulent activity.Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you Conduct a full investigation of this account and provide verification that this account was legally opened by me. If you can not provide proof that this account belongs to me, I demand that it be permanently deleted from my credit report immediately. I also request that you block this information from my credit file as inaccurate under Section 605B of the FCRA, as this is a result of identity theft. Please confirm in writing once this account has been removed or corrected.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX unauthorized wire transfers. I notified Citibank within minutes of the withdrawals happening. They were not stopped. Citibank did not tell us about the happening or asking for our approval. Citibank fraud gave us a file # on XX/XX/year>. Our repeated phone inquiries result in " under investigation ''. No one has contacted us since XX/XX/year>.

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX has continued collection and repossession activity after repeated notice of an active dispute concerning the validity of the underlying vehicle contract. The underlying issue is that the vehicle tied to this loan can not be legally insured, driven, or registered. I have been disputing this matter for about a year and previously submitted complaints, written notice, and supporting records relating to the XXXX, insurance, registration, and contract issues. On XX/XX/year>, I called XXXX and was escalated to XXXX XXXX. During that call, I again explained that the contract was under active dispute and that I had already provided notice multiple times. XXXX XXXX told me the matter had only been escalated to them that day and confirmed that the account was not yet marked as disputed. I was instructed to send my records directly to XXXX XXXX by email. During and immediately after that XX/XX/year> call, I sent supporting documents in PDF form, including court records, arbitration records, prior correspondence, VIN-related records, insurance-related records, and complaint materials. XXXX XXXX acknowledged that they could view the PDF documents and stated that the materials would be forwarded for review. I also sent written follow-up emails on XX/XX/year> requesting confirmation that my account was under XXXX XXXX XXXX XXXX that my documents had been received and attached, and that repossession activity was being reviewed while the dispute was being evaluated. On XX/XX/year>, after receiving notice that the vehicle had been assigned for repossession, I again wrote to XXXX XXXX asking whether XXXX was in fact proceeding with repossession after I had already submitted my legal documentation. In a subsequent call with XXXX representative XXXX, ID XXXX, I again explained that the contract was under active dispute as to its validity and was told repossession would proceed if payment was not made. My complaint is that XXXX had repeated notice of this active dispute, requested and received documents through XXXX XXXX, and nevertheless continued repossession pressure without clearly confirming in writing whether the account was marked as disputed, whether the submitted documents were added to the account file, or who authorized continued repossession activity after notice. I am requesting written confirmation of the dispute status, confirmation that my documents were received and attached to the account, confirmation whether XXXX is proceeding with repossession, identification of who authorized that action after notice of dispute, and a halt to repossession activity while this matter is investigated. This tracks the XX/XX/XXXX call summary, your XX/XX/XXXX EO emails, the XX/XX/XXXX follow-up after the repossession notice, and the cleaned XXXX transcript

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I disputed these companies and i haven't gotten any information verifiable proof that i owe these companies. They need to be removed because it is harming me from advancing with a mortgage for my family.

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