vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX. Incident & Payoff Agreement : The leased vehicle was declared a total loss on XX/XX/XXXX. On XX/XX/XXXX, a Letter of Guarantee ( LOG ) for {$24000.00} was sent to Kia Finance. On XX/XX/XXXX, I called Kia and Kia automatic voice system confirmed that {$24000.00} was the total payoff amount required to satisfy the debt. Based on this confirmed quote, XXXX XXXX issued a check for exactly {$24000.00} on XX/XX/XXXX. XXXX. Misinformation & Overpayment : Following the total loss, Kia representatives instructed me to continue making monthly payments ( {$350.00} ), promising a full refund once the settlement was finalized. Relying on this, I made the first payment since I wanted to protect my credit score. Even after the payoff check was issued on XX/XX/XXXX, Kia Finance failed to stop the automatic withdrawal, resulting in a second payment on XX/XX/XXXX. Total overpayment : {$700.00}. XXXX. Unauthorized Deduction & Deceptive Claims : On XX/XX/XXXX, I called Kia Finance to dispute the unauthorized withdrawal. The representative shifted the responsibility to me, claiming the payment occurred because " automatic payments were on, '' and then told me to " call back in XXXX days '' to delay the process. Furthermore, Kia Finance is now attempting to arbitrarily withhold {$500.00} from my overpaid funds. This is completely unauthorized. Kia Finance provided a specific Payoff Quote of {$24000.00} on XX/XX/XXXX, and they received that exact amount from the insurance company on XX/XX/XXXX. Since the requested payoff amount was met 100 %, the account should have been closed with a {$0.00} balance. Kia Finance has no legal right to seize my personal monthly lease payments to cover any additional costs after their own payoff quote was satisfied. XXXX. Legal & Ethical Violation : Kia Finance has been made whole by receiving the full requested payoff of {$24000.00}. They have no legal or contractual right to seize {$500.00} from my overpaid monthly lease payments to cover a deductible. Holding my personal funds hostage after the debt has been satisfied is a predatory and deceptive business practice.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I attempted to make a CASH deposit at the ATM at the US Bank branch in XXXX, CA at XXXX XXXX XXXX XXXX. The machine drawer opened recieved my cash ( {$900.00} in XXXX dollar bills ). The machine hesitated, gave me a message " it was counting my cash could take up to a minute '', then a message saying '' it could not complete this transaction '', it took the cash it counted it and told me the machine could not complete the transaction. As well, I did not receive a recipt to the transaction. I put my card in again, acting as if I was going to make another cash deposit, so I could see if the cash was still in the drawer ; it was not. I checked my balance immediately while at the ATM, and there was no credit for the deposit. A XXXXXXXX deposit and a XXXX withdrawal appeared on my online balance, which has now disappeared. The XXXX XXXX operator I was talking to that night acknowledged the deposit and withdrawal of XXXX XXXX and said clearly there was a problem cuz we don't have XXXX deposits or withdrawals, and it indicates an issue. I finally got through to a XXXX last Tuesday afternoon, she told me she was going to personally follow up and send me a message today on her results. As of now, today, Thursday at XXXX XXXX. I have not had a response from her. I have reported this twice via email to my contact at the branch I made the deposit at, only to be told they do not have authorization or control of the ATM, that they are serviced by an outside company. I've made XXXX calls to their XXXX XXXX line and XXXX departments, on hold for over XXXX minutes each time and disconnected after XXXX minutes of reduntant Q & A, only to be told the same thing, " that investigation takes XXXX to XXXX days. This is not a complicated situation, a simple count of cash received and cash credited the naxt day to this machine would show it's {$900.00} over. as of today, XXXX XXXX no response from the XXXX dept on my missing ATM deposit from Friday night. No messages, no emails, no calls, no follow-up. Currently hustling cash so I can make my rent by XXXX today without a {$620.00} late penalty. The account is for : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I am submitting this complaint because Navient has failed to provide historical loan servicing documentation necessary to verify the accuracy of my XXXX student loan balance and capitalization history during the period when Navient ( formerly XXXX XXXX ) serviced my loans. My dispute concerns a significant capitalization entry recorded on XX/XX/XXXX described as XXXX Capitalization in the amount of {$28000.00}. This entry substantially increased the principal balance of the loans. Despite written requests for documentation explaining this transaction, Navient has not provided the accounting records necessary to verify how this capitalization amount was calculated. To verify the accuracy of the balance created during Navients servicing period, I respectfully request the loan-level accounting supporting the XX/XX/XXXX XXXX capitalization of {$28000.00}. Specifically, please provide : the principal balance used in the capitalization calculation the interest rate applied to each loan the accrual start and end dates used for the calculation the amount of interest capitalized for each individual loan included in the entry the daily interest accrual worksheet supporting the calculation In addition, because the loans were serviced by Navient during the relevant period, I am requesting the historical servicing records necessary to understand the servicing actions that contributed to the balance growth during XXXX. Please provide : internal account notes related to the loans during the XXXX servicing period servicing call logs or call notes associated with the account forbearance request forms or records of forbearance approvals disclosures provided at the time of any forbearance approvals explaining interest accrual or capitalization effects servicing communications or notices sent between XXXX and XXXX related to capitalization or balance changes These records are necessary to verify the accuracy of the balance generated during Navients servicing period and to understand the servicing actions that resulted in the large capitalization event described above. To date, despite written requests and supporting documentation, Navient has not provided the accounting records or historical servicing documentation needed to verify the accuracy of the capitalization and loan balance. I am requesting that Navient provide the loan-level accounting and servicing records necessary to substantiate the capitalization and balance created during its servicing of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have maintained this credit card account for over XXXX years and have never had a XXXX-day late payment. XXXX years ago after reporting my card lost, the account number was changed and a new card was issued. A few days later I made my payment online, on the due date, XX/XX/year>. Unbeknownst to me at the time, the portal temporarily displayed both the closed account and the new XXXX - I had no idea until later. The system apparently defaulted to the original, canceled account, and the transaction was completed. I was issued a confirmation number which I documented and retained. Approximately XXXX week later, I was notified that my payment had not been received. I called immediately and explained that I had in fact made the payment on time, and had a confirmation number to prove it. This was casually dismissed by the XXXX XXXX XXXX at the time, who said because of a technical glitch it had been treated as a non-payment. I proceeded to make a corrective payment right then. He removed the {$30.00} late fee at my request and that was the end of it. Several billing cycles later I realized that as a result of this misapplied payment, a penalty APR of nearly XXXX % had been applied to the account. I again called XXXX XXXX to have it corrected, and once again the event was dismissed. I was advised that paying off the balance subject to a higher rate ( approximately {$2000.00} at that time ) would result in removal of the penalty APR. Since that time : - I have made every payment on time ; - Have consistently paid more than the required minimum ; - Have ceased using the card entirely ; - Have reduced the balance by more than {$4000.00}. Despite this, the penalty APR remains in effect and the balance subject to the higher rate has increased. Because this issue is the result of Citibanks online portal temporarily displaying XXXX accounts with no notification or instruction- not from any failure to make a timely payment - I formally dispute both the imposition and continued application of the penalty APR.

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 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Loan period XXXX amount {$1500.00} Forbearance Loan period XX/XX/XXXX - XX/XX/XXXX amount {$3000.00} Forbearance Loan period XX/XX/XXXX - XX/XX/XXXX amount {$2000.00} Forbearance Loan period XX/XX/XXXX - XX/XX/XXXX amount {$4100.00} Forbearance Loan period XX/XX/XXXX - XX/XX/XXXX amount {$1100.00} Forbearance Loan period XX/XX/XXXX - XX/XX/XXXX amount {$2300.00} Forbearance Loan period XX/XX/XXXX - XX/XX/XXXX amount {$2100.00} Forbearance Loan period XX/XX/XXXX - XX/XX/XXXX amount {$4300.00} Forbearance Loan period XX/XX/XXXX - XX/XX/XXXX amount {$3500.00} Forbearance Loan period XX/XX/XXXX - XX/XX/XXXX amount {$6400.00} Forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Media Collections, Inc
State: IL

Complaint narrative:
I am an educator the company called my work place while I was lecturing. I told them not to call my work. After I called back, told them the claim was inaccurate. Provided proof of overcharging on the companys part that they were collecting debt for, they have not eliminated my collection claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Attached letter sent below : ATTENTIVELY REVIEW my formal written composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Today, I mailed out a notice and demand for verification of an alleged debt to the collection agency. The main reason for this complaint is to ensure they receive my notice attached to this complaint and to create an additional record of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: WA

Complaint narrative:
My loan was with XXXX. I received an email at the end of XXXX from LoanCare stating my loan was being transferred to LoanCare. I recieved a letter on XX/XX/XXXX stating that LoanCare would begin accepting payments as of XX/XX/XXXX. Nowhere did it state that if you have automatic payments set up that you would not need to do this again. I have had my loan sold and transferred before and had to create an account and set up automatic payments. LoanCare instructed me to download their app. The app immediately prompts you to set up automatic payments. Somehow this caused Loancare to take a {$2700.00} on XXXX and an additional {$2700.00} on XXXX. My mortgage payments currently are {$2700.00}. I contacted the company. The agent told me I had to show proof of paying them twice. I find this point ludicrous as they have the XXXX payments in their system. They want a XXXX of my statement. My next statement does not land until XX/XX/XXXX and will only show up to XX/XX/XXXX. The agent stated I could send a screenshot of the payments which I did. Loancare just emailed me that they require a XXXX of my bank statement to show proof that I double paid. Every time I say this, I get angrier. I will not have a XXXX showing the double payment until the middle of XXXX. My family now has to use credit cards because of this company. I know if I was late that there would be a late fee charge. For them, just sit back and try to wait me out. This is their mistake and should never happen. Proving this is beyond ridiculous. This is a bad faith company

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 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I missed a payment and i know i missed a payment and they continue to call me every single day and multiple times a day, even off of unknown numbers and i told them to stop calling me regarding the payment and he said if i dont pay theyll send me to debt collectors but i didnt record it, i have proof of all of the calls, multiple times a day. i know i have to pay and i will pay i just forget to and i dont want them calling me all the time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: OH

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as requested under XXXX XXXX ( b ) ( XXXX ) despite this XXXX added collections to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Tilt Finance, Inc.
State: ND

Complaint narrative:
I have an autosave account with Tilt. I have {$120.00} in that account and I am trying to transfer that money to myXXXX XXXX Checking account which is linked. When I try to do the transfer online I get an error messaging saying XXXX XXXX Customer ID for provided user was not found, customer ID returned was O '' I have messaged them SIX times and they have opened SIX differnet support cases but nobody has responded with resolution. Today I called them and w as on hold for 15 minutes and then they hung up on me. I have been trying to access this money for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a victim of identity theft. A fraudulent credit card account was opened in my name with Bank of America ( Account XXXX : XXXX ) without my knowledge or authorization. This account is appearing on my credit report with a balance of {$96000.00} and I have no knowledge of this account, its charges, or any payment activity associated with it. I have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report No. XXXX, dated XX/XX/year> ). I have also submitted a formal written dispute to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) invoking my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires the bureaus to block fraudulent information within XXXX business days of receiving a valid identity theft report. Despite this, the fraudulent account continues to damage my credit and financial well-being. I am requesting that the CFPB investigate this matter, ensure that Bank of America properly closes and flags this account as fraudulent, and that all three credit bureaus comply with their legal obligations under FCRA Section 605B to block and remove this item from my credit report immediately. I am seeking full removal of this account from all credit reports and written confirmation from Bank of America and the credit bureaus that this matter has been resolved.

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 2026-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Skillman Ford Inc
State: IN

Complaint narrative:
Despite the lawful request for rescission of the transaction due to misrepresentation, failed financing, and statutory title violations, Ray Skillman Ford has continued to place, or allow this account to be placed, in collections. We were also subjected to threats and intimidation when attempting to resolve these issues, including statements that they would sue us, win because they have more money, and ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: AL

Complaint narrative:
Management came to my place of employment violating my rights and disclosing my personal information to my employer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Our Account # : XXXX Creditor : XXXX XXXX XXXX Creditor 's Account # : XXXX Balance Due : {$590.00} Account was paid off through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Its been 3 years since they wouldnt let me use my Cash App account I made an appeal in XX/XX/XXXX and today and nothing worked I been using that account to support my daughter and they wont give it back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Account locked with {$3000.00} frozen due to unreasonable doubt

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 2026-03-06 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: Concord Servicing Corporation
State: FL

Complaint narrative:
Ive asked this company to submit proper documentation that I was the one who originally open the account. And I was never given the document I requested. This company is violating my rights they have not provided validation I nformation Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation