vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: MA

Complaint narrative:
On XX/XX/year> a transaction in the amount of {$900.00} was made to the merchant XXXX using my Digital credit card numbers I didn not make this transaction and did not authorize this transaction. Goldman Sachs is stating that I am liable for this transaction. 
I have gone to my local police department and filed a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, Bank of America issued XXXX checks to me under case number XXXX as part of their response to a prior CFPB complaint I filed earlier in XXXX. One check was for a small amount, and the other check was for a much larger amount. I received both checks, and neither check was deposited or cashed. 

Both checks has since expired, and remain unused. 

I contacted Bank of America twice by email requesting that the larger check be reissued. My emails were sent on XX/XX/XXXX and XX/XX/XXXX, but I have not received any response or follow-up from the bank. 

I still have both original checks in my possession. I am requesting that Bank of America reissue the larger check and provide a timely response regarding the status of my request.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Texas Guaranteed
State: KY

Complaint narrative:
This complaint on Trellis mirrors our complaint against XXXX. XXXXrellis Board of Directors exercises all oversight of Trellis and subsidiaries including XXXX. Despite Trellis having been duly informed through prior CFPB filings and notifications, Trellis Board has continued to fail to exercise adequate oversight and adequate supervision over XXXX as evidenced by a ) XXXX continues to contact us despite a CEASE and Desist. 
b ) Trellis subsidiary XXXX continues to engage in false and misleading contact using a purported Ombudsman unmonitored email address. 
c ) Trellis subsidiary continues to make false claims of a a debt which we have disputed and for which Trellis has provided no XXXX Treasury documentation to validate any debt. 
d ) Trellis has failed to produce evidence from XXXX Treasury to dispute our contact with XXXX Treasury who confirmed multiple times that we owe nothing. 
XXXX ) Trellis has not disavowed that Trellis and XXXX purported to be federal agencies or acting on behalf of federal agencies, therefore, Trellis has ratified the misrepresentation f ) Because the Trellis Board is specifically notified in their personal, individual, and official capacities, the individual Board members of Trellis are here by served Notice of their individual governance failures and participation in the continued adverse actions of XXXX and the continued misrepresentations by XXXX who are ultimately under the oversight auspices of the individual Trellis Board members acting as the Board of Directors of Trellis. 

Therefore all of the claims attach to the individual board members.Trellis Company Executive Leadership ( publicly identified ) : XXXX XXXX XXXX, XXXX, successor XXXX & XXXX XXXX XXXX. 
Trellis Company Board of Directors ( publicly listed by Trellis Company ) : XXXX XXXX, successor Board Chair. 
XXXX XXXX, successor XXXX XXXX XXXX. 
XXXX XXXX, Ph.D., successor XXXX XXXX XXXX. 
XXXX XXXX, successor XXXX XXXX. 
XXXX XXXX, successor XXXX XXXX. 
XXXX XXXX XXXX, successor XXXX XXXX. 
Welcome XXXX, XXXX, successor XXXX XXXX. 
Notice to XXXX is Notice to Principal. Notice to Principal is Notice to XXXX, Successors, Assigns. The XXXX is served Notice of governance failure and continued adverse actions of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ). 
I had an alleged debt originally associated with a {$1900.00} loan from XXXX. Due to financial hardship and illness in 2025, I was unable to complete repayment. 
When I accessed my XXXX XXXX account, I discovered that my fathers phone number and address were listed as my contact information. My father has no connection to this loan, is not a co-signer or authorized party, and his information was never provided by me in relation to this account. 
I immediately corrected the account by removing my fathers contact information and replacing it with my own phone number and address. 
Despite this, XXXX XXXX contacted my father and disclosed my debt-related and personal information without authorization. This included text messages sent to my father containing information about the alleged debt. 
In addition, XXXX XXXX mailed a letter to my fathers address that contained my financial and debt-related information, including details of the alleged account. This letter was sent to a third party with no legal or authorized connection to the debt. 
When I logged back into my XXXX XXXX account, I found that my fathers phone number and address had been added back to my account without my authorization. 
I then contacted XXXX XXXX in writing to notify them of the unauthorized third-party disclosures, the improper use of my fathers contact information, and the mailing of my financial information to him. As of today, I have received no response. 
XXXX XXXX conduct constitutes improper third-party disclosure, unauthorized communication, and ongoing violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Selene Holdings LLC
State: OH

Complaint narrative:
I am submitting this complaint to request clarification and discretionary review regarding credit reporting for my mortgage account serviced by Selene XXXX I want to be clear at the outset that I am not disputing the accuracy of the reporting. 

In XX/XX/year>, a single late payment was reported following a temporary job loss and a transfer of servicing from Loan Depot to Selene XXXX At the time of the transition, I understood that I was in compliance with a repayment arrangement that would prevent adverse credit reporting if maintained. I later learned that the account was reported as late once it was no longer fully current after transfer. 

Immediately upon learning of the late reporting, I brought the account current. Since that time, I have maintained over XXXX full year of perfect, on-time payments, enrolled the account in auto-pay, and have consistently paid more than the required principal and interest each month. This is the only late payment on my credit history, and my overall credit profile is otherwise very strong. 

I recently submitted a goodwill request to Selene XXXX  asking whether the single late payment could be removed as a discretionary courtesy in light of my sustained corrective behavior. Selene responded that the reporting was accurate, which I do not contest, and stated that it is required under the Fair Credit Reporting Act ( FCRA ) to report payments as received.

My concern is not with the accuracy of the reporting, but with the characterization that Selene is required by the FCRA to continue reporting the delinquency. My understanding is that the FCRA requires accuracy but permits, rather than mandates, the continued reporting of historical delinquencies when information is accurate. I am therefore seeking clarification as to whether discretionary goodwill review is available and whether my request received substantive consideration beyond a standard compliance response. 

I am respectfully requesting that Selene XXXX  review my account at the appropriate supervisory or executive level to determine whether a goodwill adjustment may be appropriate given : * The isolated nature of the late payment * The temporary hardship involved * Immediate remediation once notified * A sustained pattern of perfect payment performance since I appreciate the CFPBs assistance in facilitating a careful review of this matter. I am not alleging a violation, but rather requesting fair consideration and clarity regarding Selene XXXX discretionary policies related to credit reporting. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
What Happened : In XX/XX/year>, I contracted XXXX XXXX XXXX XXXX for extensive foundation repairs and related work, including mold treatment, installation of XXXX drains, a sump pump, structural reinforcement, and utility routing for a washer-dryer installation. A deck was also replaced. I paid an initial deposit of {$12000.00} in cash. 
After completion of the first phase in XX/XX/year>, I attempted to pay the remaining {$70000.00} via wire transfer from my XXXX XXXX  account, but XXXX declined the transfer. At the contractors instruction, I issued XXXX checks for {$35000.00} each, payable to XXXX XXXX, the contractors accountant. XXXX cleared both XXXX Bank, where XXXX XXXX deposited the checks, froze the funds, closed his account, and prohibited him from opening a new one. PNC continues to hold the {$70000.00}. XXXX confirms the funds have left my account and states the issue is entirely with PNC. PNC has been unresponsive except for XXXX callback directing me to another department. 

Who Is Involved Me and my wife : XXXX XXXX and XXXX XXXX ; My Bank : XXXX XXXX  ; Receiving Bank : PNC Bank ; XXXX : XXXX XXXX XXXX XXXX ; Owner of Stateside and our primary contact : XXXX XXXX ; Contractors Accountant : XXXX XXXX Problem : PNC Bank is holding {$70000.00} that was paid from my XXXX XXXX  account. I have no access to these funds, and the XXXX has not been paid. Both banks are deflecting responsibility, and PNC has provided no resolution or meaningful communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a debt collection letter from Midland Credit Management stating they are attempting to collect an alleged debt owed to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  for an account ending in XXXX in the amount of {$3900.00} ( MCM Account XXXX ). Per my legal counsel, I dispute this alleged debt in its entirety. This account is not mine. I did not open, authorize, or benefit from this account associated with the referenced account number, and I do not owe the amount claimed. I sent a request already surrounding this debt and was met with no response. I am requesting that Midland Credit Management immediately cease collection efforts directed to me and correct their records to reflect that this is not my account. I also request written confirmation that my personal information has been removed from their collection file for this account and that I will not be contacted again regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I did not receive written validation notice from Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: United Shore Financial Services, LLC
State: TN

Complaint narrative:
It happen in XXXX XXXX I paid XXXX for the appraisal and he told me that since the appraisal wasn't what we expected since I couldn't get money back from refinancing we stop the deal no final papers were sign he told me I would have my refund back in my account on XXXX XXXX I never received it and he won't answer the phone his name is XXXX XXXX and he works for XXXX XXXX XXXXs the payment on my account shows UWM

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information this company is reporting to the credit bureaus under the account referenced above. 

I previously disputed this account directly with the credit reporting agencies. Despite my dispute, the company continues to report information that appears to be inaccurate, incomplete, and not properly verified. 

To date, the company has failed to provide documentation sufficient to validate the accuracy of this account, including a complete payment history, the original contract or agreement bearing my signature, and documentation establishing the companys legal authority to report this account. 

Reporting unverifiable or incomplete information violates the Fair Credit Reporting Acts requirement that furnishers ensure maximum possible accuracy. Without proper validation, the continued reporting of this account is misleading and harmful. 

I am requesting that this matter be fully investigated and that the account be corrected or removed from my credit reports if it can not be verified as accurate and complete.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: APPLE FINANCIAL HOLDINGS, INC.
State: CO

Complaint narrative:
To Whom It May Concern : I need assistance with obtaining additional information, detailed information would be helpful, concerning the account closure of my checking and savings accounts with Apple Bank for Savings which is scheduled to close on XX/XX/2026. 

This is not an attempt to prevent the account closure, but Apple Bank says they are not allowed to tell me why the account is closing. If there is any fraud associated with the account, I need to know so that I can adequately file a report with local law enforcement or FBI as financial crimes is a serious matter. 

Please also note, that upon account closure, Apple Bank for Savings would like to mail me a check, but I can XXXX myself any funds remaining in the account. Apple Bank for Savings is aware of my current pay schedule, and I think that their current date to close my account prevents me from being capable of withdrawing any funds prior to account closure, but I can be wrong. 

I will make another attempt to extend the deadline to withdraw these funds, but I do request your assistance in obtaining information on the account closure so that I can alert the appropriate authorities. 


Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Attempted to use HSA debit card at Dr. office and was declined. I tried to login to account in waiting room and found password no longer worked. I immediately check phone and e-mail ( including spam ) records for any chance HSA bank attempted to contact me - nothing. 
Contacted HSA debit card dept. the next day, XX/XX/year>, I answered the security questions as required and confirmed to their satisfaction that my request for reimbursement over the weekend was not a fraudulent occurrence. I was promised that the issue would be resolved by the fraud department within XXXX hrs. I called XXXX XX/XX/year> to verify the account had been restored as I was still un-able to login to my account to check balances and use my benefits card I needed for the pharmacy and Dr. appt I had scheduled today. After nearly an hour on the phone I was finally transferred to a supervisor that told me the fraud department again needed XXXX hours and there is nothing that could be done. I was then promised first thing in the morning, then promised XXXX hours and it would be resolved. I am convinced HSA bank is at " best '' inept and should lose their license as a financial institution.... at " worst '' they are insolvent and skipped every step that ANY other financial institution in XXXX would take to freeze my account because they are illegitimate and insolvent and could not cover the few XXXX dollars I was requesting of the few XXXX dollars they are holding hostage as " fraud ''. 

This is unfortunately NOT my first run in with their complete and total incompetence when they mailed ( w/o my request ) a check for {$1800.00} to a dentist ( I haven't seen a dentist in over a decade ) in a town I'd never been to approx XXXX prior. Once I learned of their mistake ( a few weeks prior to the incident in question ) I contacted their fraud department, faxing the form they required. I followed up after waiting and hearing nothing from them, I called to check status and was laughed at being told that department " loses '' faxes all the time. I then mailed the form certified mail to assure that it wouldn't " get lost '' this time and started my own investigative work. I tracked down the check and had the dentist office mail it back to me. They, after contacting HSA bank who was XXXX help, had kept my check without cashing it for approx. XXXX because they had no patient with my name. Once again, In my opinion HSA bank fraud department has shown to me twice in just a few weeks they are incompetent, un-caring, unable, and not equipped to even be considered a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: WA

Complaint narrative:
I received a letter ( to an address at which I haven't lived since 2014 or so ) saying that I do not need to make a payment on a {$1300.00} student loan due to my enrollment status. I have not been enrolled in college on a student loan in almost XXXX years- and I've already paid off my student loan from that time in full. I have no idea what debt this collection agency is talking about, but I don't owe it. My only student loan was paid off over a decade ago - I'm receiving this notice completely out of nowhere.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
National Credit Systems Inc. is requesting {$190.00} for 3 weeks of electricity from XX/XX/year> to XX/XX/year> and providing no documentation for usage or charges from said landlord Single Family Homes. 
Contract was executed with XXXX XXXX XXXX XXXX not Single Family Homes. No lease ( including terms ) exists with Single Family Homes who National Credit Systems claimed it was with. 

XXXX XXXX XXXX XXXX who I signed the lease agreement with was charging me for all utilites ( water, sewer, trash & electricity ) for XXXX, XXXX & XXXX even though the lease agreement was for electric only. I requested a summary of charges during this time which they would not provide. This is why they are refusing to provide a usage summary of electric for the {$190.00}. 

I can provide the rental agreement supporting this claim along with monthly charges backing the information provided.

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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My leased vehicle ( XXXX XXXX XXXX XXXX ) was repossessed by Kia Finance on XX/XX/XXXX. 

After the repossession, Kia Finance did not provide me with the required Notice of Right to Cure / Notice of Intent to Sell, nor did they provide the location of the vehicle or the amount required to reinstate my lease.

I later learned that Kia Finance mailed the post-repossession notice on XX/XX/XXXX to an old address that I no longer occupy, even though my current, correct mailing address was on file and Kia Finance continues to use that address for other correspondence.

Because the notice was sent to an address where I do not receive mail, I was never legally notified of my rights or the deadline to act.

Kia Finance has refused to properly resend the notice to my correct address, preventing me from exercising my legal right to cure and reinstate the lease before any sale.

As of today, Kia Finance is telling me that even though they mailed everything to the wrong address, it does not matter.

As a result, my vehicle continues to accrue storage and repossession fees that I was never given a chance to avoid.

Kia Finance and its repossession agent has also been withholding my personal belongings, until today, that were inside the vehicle.

Kia Finances failure to properly serve the required notice has caused me financial harm and has deprived me of the opportunity to reinstate my lease or retrieve my property.

I have the entire call from today on record of the woman from Kia Finance telling me that they sent it to the wrong address. If you'd like, please ask.

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