vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
The documents Spring Oaks provided fail validation because : The promissory note does not show chain of ownership from XXXX to Spring Oaks. 
The assignment agreements do not list my account in any schedule. 
No account-level bill of sale was produced. 
No payment history or itemized ledger was provided. 
No proof of current ownership of my specific loan was produced. 
No documentation shows how the balance of {$2700.00} was calculated. 
Under FDCPA 809 ( b ) and controlling case law, validation must connect the consumer, the debt, the amount, and the collectors authority. Portfolio transfers without account identification do not satisfy this requirement. 
This is now my fourth complaint against Spring Oaks Capital regarding the XXXX account. This is not a duplicate complaint because the prior complaints were never properly resolved and the documentation provided still fails to meet federal validation and verification standards. 
Spring Oaks claims it provided debt validation in XX/XX/year>. The documents they uploaded consist of : A generic cover letter stating they confirmed the account A promissory note allegedly from XXXX naming me as borrower Portfolio-level assignment and assumption agreements between Prosper, Spring Oaks Capital, and Spring Oaks Capital SPV that do not list my name, account number, or balance anywhere in the schedules No loan-level bill of sale, no account-specific assignment, no payment ledger, no charge-off statement, and no complete transactional history. 
None of the assignment documents tie my specific account to Spring Oaks Capital. They merely show that portfolios of loans were transferred between companies, which does not establish that Spring Oaks owns my alleged debt or has authority to collect or report it. 
In addition, Spring Oaks own reporting contains material contradictions, including a charge-off date that precedes the last payment date, which is legally impossible and proves inaccurate reporting. This violates FCRA 607 ( b ) ( maximum possible accuracy ) and 623 ( a ) ( 1 ). 
Most critically, I never received any written initial notice of this debt before it was placed on my credit report, which is a direct violation of FDCPA 809 ( a ). That violation alone carries statutory damages of up to {$1000.00}. 
Despite repeated disputes since XX/XX/year>, Spring Oaks continues to report this account without lawful verification, in violation of : FDCPA 809 ( a ), 809 ( b ), 807 ( 8 ) FCRA 607 ( b ), 611 ( a ), 623 ( a ), 623 ( b ) Metro 2 accuracy and furnisher integrity standards This account has now remained on my credit for months without lawful validation, despite multiple disputes and CFPB filings.

Company response to consumer: Closed with explanation
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
To Whom It May Concern, This statement is provided to document the circumstances surrounding a disputed Discover Card charge and the resulting late payment. 
1. On or about XX/XX/2025, I placed an online order in the amount of {$83.00} with a company identified as XXXX, charging the purchase to my Discover Card. 
2. The merchant later informed me that they did not receive payment for this order. 
3. I then attempted to pay for the same order using XXXX. 
4. The merchant again indicated that payment was not received.

5. As a result, I cancelled the order.

6. Upon reviewing my Discover Card account, I discovered a charge in the amount of {$490.00} made to an entity identified as XXXX XXXX, a company with which I have never done business. 
7. I immediately reported this charge to Discover Card as unauthorized and fraudulent. 
8. I subsequently reviewed my XXXX account and discovered that the {$83.00} charge had been paid to the same entity, XXXX XXXX. 
9. I reported this charge to both XXXX and XXXX XXXX as unauthorized. After investigation, both XXXX and XXXX XXXX ruled in my favor and closed the cases accordingly. 
10. I have no knowledge of, nor have I ever authorized transactions with, XXXX XXXX or the entity now identified by Discover Card as XXXX XXXX XXXX XXXX. The charge is listed as merchandise ; however, I received no merchandise or services from any of these entities. 
11. Despite repeated requests, Discover Card has failed to provide any verifiable documentation identifying these companies or demonstrating that any goods or services were provided in exchange for the disputed charges. 
The disputed amount and any resulting late payment are the direct result of fraudulent and unauthorized activity. I acted promptly and in good faith to report these charges and resolve the matter. Any negative reporting related to this account is therefore inaccurate and should be corrected. 
This statement is true and accurate to the best of my knowledge. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Driveway Finance Corporation
State: FL

Complaint narrative:
I am going through a XXXX  XXXX case and the account that was on autopay for this loan has no money due to financial abuse. I tried to cancel the autopay through the Driveway app but apparently my cancellation of said autopay did not go through. However, I paid the amount due on the due date of XX/XX/year>. My account hasn't been delinquent ever. A non-sufficient fund fee of {$25.00} was applied to my account for the autopay that did not go through. I asked for a courtesy waiver and they said they are unable to do so. I was also told this was part of an internal policy that they do not have documented for the borrowers to be aware of. This was not made clear to me at any point throughout my loan not when it began nor when I signed up for the autopay through the app. I strongly believe this charge is unfair and un-necessary especially without prior and proper notice of such charges/fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I was enrolled in electronic statements for my XXXX credit card account. Despite this, I did not receive a single electronic statement for the entire year of 2025. 
XXXX does not provide access to credit card statements or transaction history through its web browser, and the XXXX mobile application fails to display statements, instead showing a red error message. As a result, I have no way to view, download, or retrieve my credit card transactions. 
On [ todays date ], I contacted XXXX customer support. I was transferred to a different team, which placed me back into the general call queue. A subsequent representative confirmed that they are unable to provide my 2025 transaction history or statements in electronic form and could not offer an alternative solution. 
Because XXXX has failed to provide required periodic statements or access to transaction records, I am unable to review my account activity or complete my tax filings. This lack of access has persisted for over a year and has caused financial and administrative harm. 
I believe this conduct violates the Electronic Fund Transfer Act ( Regulation E ) and Truth in Savings Act ( Regulation DD ) requirements to provide periodic statements or electronic access to account information, and may constitute an unfair practice under the Dodd-Frank Act.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This complaint is a follow-up to previously closed CFPB complaints XXXX and XXXX involving Wells Fargo. Both cases were closed before I was able to submit a rebuttal to Wells Fargos response. I am resubmitting because material facts remain unaddressed and Wells Fargo failed to conduct a reasonable fraud investigation involving impersonation, caller ID spoofing, and account takeover.

My deposit account loss occurred during an active account takeover. Before I transferred funds, unauthorized activity had already occurred, including internal transfers from savings to checking and an unauthorized XXXX cash advance deposited into my checking account. These events establish account compromise prior to my actions. 

The {$18000.00} transfer resulted from real-time impersonation fraud. The call displayed as Wells Fargo and appeared to originate from a legitimate Wells Fargo number. The caller posed as Wells Fargo fraud prevention, asked verification-style questions, and instructed specific steps. My actions occurred under deception during an ongoing compromise. Authorization obtained through impersonation and misrepresentation is not valid authorization under Regulation E.

Wells Fargo did not conduct a reasonable investigation. No one from Wells Fargo ever contacted me to discuss the case. No investigator interviewed me. I was never asked to explain the timeline, the impersonation call, or the unauthorized activity that preceded the transfer. Wells Fargo never requested screenshots, call logs, device or login data, or the police report number and deputy contact information. An investigation conducted without speaking to the consumer and without reviewing available evidence is not reasonable. 

The {$3600.00} XXXX cash advance is a separate unauthorized credit card transaction. I did not request or approve this advance. Depositing the proceeds into my checking account does not convert an unauthorized credit transaction into an authorized one. Credit card protections require independent review, which Wells Fargo failed to perform. 

Wells Fargo relied on a blanket conclusion of customer authorization because I initiated a transfer, ignoring impersonation, caller ID spoofing, and account takeover indicators. Regulation E requires a reasonable investigation based on the full facts.

I request CFPB review Wells Fargos investigative failures across both prior complaint numbers and require a substantive response. I request reimbursement of the {$18000.00} deposit account loss and reversal of the {$3600.00} credit card cash advance, including associated fees and interest.

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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This auto loan should have been closed/paid through an insurance settlement. XXXX included the deductible in the settlement and subrogation was completed. Despite this, the lender/dealer is claiming I still owe the deductible and is reporting/collecting a balance. I need the loan closed and balance corrected to {$0.00} and any negative reporting removed. They are claiming I owe the {$1000.00} deductible but obviously I dont if progressive sent them the settlement and they accepted and it was completed! I am supposed to receive {$390.00} refund back for an extra payment I made and they are refusing and are very rude. I have proof in emails and documents and audio recording of multiple phone calls with managers and supervisors who refuse to help!

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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime
State: FL

Complaint narrative:
DriveTime sold me a XXXX XXXX XXXX that was defective and unmerchantable at the time of sale. During the test drive on XX/XX/XXXX, the vehicle displayed a check-engine warning. I photographed the warning and immediately showed it to the DriveTime manager, who acknowledged the defect and stated the vehicle would be repaired before delivery. I relied on that representation when I activated insurance and completed the purchase. 

Despite those assurances, the vehicle failed shortly after delivery. On XX/XX/XXXX approximately 22 days after purchase XXXX XXXX XXXX documented engine overheating, coolant system failure, and escalating mechanical damage. A combustion test later failed and a blown head gasket was confirmed, requiring full engine replacement. 

Independent diagnosis by XXXX XXXX XXXX XXXX XXXX XXXX XXXX later confirmed that the engine had suffered internal damage, oil starvation, and excessive blow-by, and was operating in a worn and unsafe condition requiring replacement. Fountains documented that the engine was 5 quarts low on oil on arrival, was again 2.5 quarts low shortly thereafter, and that the engine was running poorly with a flashing check-engine light and internal mechanical damage. These findings establish that the engine was never fit for ordinary transportation and that the vehicle was sold with a failing and internally damaged engine. 

After DriveTime sold the vehicle in this defective condition, subsequent service by XXXX XXXX further damaged the vehicle by releasing it twice in an unsafe condition with broken intake components, vacuum and oil system failures, and improper reassembly, accelerating catastrophic engine failure. However, the underlying defect existed at the time DriveTime sold the vehicle and was misrepresented as repaired. 

DriveTimes warranty administrator, XXXX, acknowledged the failure by authorizing rental vehicles due to loss of use. One of those XXXX-authorized rentals was improperly left in my name and billed to me by XXXX XXXX in the amount of {$410.00}, which remains unpaid and prevents me from renting vehicles. 

Despite the vehicle being defective at delivery and later rendered economically destroyed, DriveTime and its assignee XXXX continued servicing and collecting on the loan. I have made a down payment and continuous monthly payments from XX/XX/XXXX through XX/XX/XXXX for a vehicle that was never fit for ordinary transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute an unauthorized transaction of {$4900.00} that was debited from our bank account on XX/XX/XXXX. 

This transaction was unauthorized. Neither I nor any other authorized signer on the associated bank account approved or knowingly consented to this charge. No goods or services were knowingly purchased, accessed, or received in exchange for this payment. No goods or services were knowingly purchased, accessed, or received in exchange for this payment. 


Details of the transaction : Amount : {$4900.00} Date of Transaction : XXXX Bank Account ( XXXX ) : XXXX Cash App Username/ # XXXX XXXX I am requesting l a full refund of the disputed amount. Additionally, I would appreciate a written confirmation that this issue is under review. 
Please acknowledge receipt of this dispute in writing within 10 business days. 


If this matter is not resolved promptly, I will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and the relevant state authorities. 

Thank you for your immediate attention to this critical matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Olympus Lending LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Direct : XXXX Text Number XXXX Website : XXXX Email : XXXX '' this company is harassing me and my family members for a debt my company XXXX XXXX is responsible for. I reached out to the actual company that we owe, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah months prior to hearing from this debt collector but XXXX never responded. How can I get the debt collector to leave me and my family alone and resolve my debt directly with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am filing this complaint against MOHELA for illegal collection activity and threats of wage garnishment regarding a debt that has been officially XXXX. 

I received approval notice from the U.S. Department of Education for Public Service Loan Forgiveness ( PSLF ). Despite this official federal determination that my balance keeps changing and MOHELA continues to send billing statements with fluctuating balances and is now threatening administrative wage garnishment.

This is a violation of the Higher Education Act and the FDCPA. I have attempted to resolve this with their customer service, but they have
failed to synchronize their records with the Federal Student Aid ( FSA ) database.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I paid off my Heloc by selling my home in XX/XX/year>. There was closing and the closing agent requested payoff and to close the Heloc after payoff. It was paid off but now they are trying to charge me {$230.00} to close the line and expect me to pay for it. The mortgage company is Shellpoint mortgage loan # 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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am a joint borrower on an auto loan serviced by Bridgecrest. I do not have possession of the vehicle. The co-borrower has exclusive control of the car, and I receive no benefit from it. 

I contacted Bridgecrest by email on XX/XX/year> regarding this matter, and again by customer service phone on XX/XX/year> to request XXXX-related hardship review or mitigation. I specifically requested escalation. The representative refused to escalate and stated that this was a civil court matter, despite my not disputing ownership or seeking possession of the vehicle. 

I am requesting that Bridgecrest review my account for hardship, mitigation, or relief due to lack of possession and XXXX/financial coercion, and that my account be properly documented. I am currently working with XXXX  XXXX advocates to get a sworn affidavit and supporting documentation, which will be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I contacted American Express on XX/XX/year>, to request a refund for a set of American Express gift cards that I inherited following my fathers passing. I was instructed by American Express to submit a XXXX  containing a copy of my identification and images of the front and back of all gift cards involved. I submitted the requested documents on XX/XX/year>. 

On XX/XX/year>, American Express contacted me and stated that the file containing the gift card images was too large to process. In response, I resubmitted the documentation as separate XXXX  files, breaking up the gift card images as instructed so they could be reviewed. 

On XX/XX/year>, I was asked to provide verification of my mailing address in order to receive the refund check. I provided the requested address verification on XX/XX/year>. After submitting this information, I received an email stating that my refund check would arrive within 34 weeks. 

Between XX/XX/year>, and XX/XX/year>, I contacted American Express and XXXX numerous times to follow up on the status of my refund. During these calls, I received inconsistent and conflicting information. At times, representatives stated they could not locate my submitted documentation. At other times, I was told that the refund check had already been sent and that I should continue waiting. 

On XX/XX/year>, after more than four months without receiving the refund, I emailed American Express requesting immediate resolution and stating that I would file a complaint with the CFPB if the matter was not resolved. In response, I was informed that I would need to restart the refund process entirely.

The gift cards are valid, and American Expresss website explicitly states that physical gift cards can not be redeemed directly by the consumer and that customers must request a refund through American Express. Despite fully complying with all instructions and submitting all requested documentation multiple times, I have not received the promised refund. 

I have attached copies of my communications and a list of the gift cards submitted. I am requesting that American Express honor the refund that was approved and communicated to me and issue the refund without requiring me to restart the process.

Company response to consumer: Closed with monetary relief