vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am filing this complaint against Santander XXXX USA regarding an unresolved vehicle title matter that has caused significant hardship. Vehicle Details : - VIN : XXXX - Title Number : XXXX - Year/Make : XXXX XXXX - Lienholder : Santander XXXX USA - Santander Account Address : XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Background : I purchased this vehicle in Florida on XX/XX/XXXX. I subsequently relocated to Ohio and need to register my vehicle in my new state. Under federal and state consumer protection laws, my lienholder is obligated to facilitate the timely transfer of my vehicle title when I relocate to a new state. The Problem : On XX/XX/XXXX, Santander XXXX USA submitted a request to Florida XXXX for the paper title. It has now been nearly 3 months ( 85+ days ) and XXXX DHSMV has not responded to Santander 's request. Despite multiple calls to Santander 's customer service, they have been unable to resolve this matter or escalate it effectively with XXXX DHSMV. As a result, I am unable to register my vehicle in Ohio, which is causing me significant hardship including potential legal issues for driving an unregistered out-of-state vehicle. What I Am Requesting : 1. Santander XXXX USA to immediately escalate this matter with XXXX DHSMV at the highest level 2. Santander to provide me a written update within 15 days on the status of my title 3. Santander to provide a clear timeline for resolution 4. If XXXX DHSMV continues to be unresponsive, Santander should explore alternative legal remedies to release the lien and facilitate my Ohio title transfer This delay is unacceptable and is preventing me from legally registering my vehicle in my state of residence. I respectfully request the CFPB 's intervention to ensure Santander fulfills its obligations as my lienholder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX I was shopping for a rental car for a 15 day vacation in the XXXX. I initially made reservations through XXXX XXXX website ( XXXX was the apparent vendor. ) I made a total of four reservations ( one for IXXXX one for XXXX two times, ( the second two reservations were substantially cheaper ) and subsequently received confirmation of reservation each time to my email. I decided within days that the offers were better, directly through car rental sites. I promptly canceled the four reservations and received credit within a few days for each of the four reservations. A fifth charge for {$270.00}, for which I never received any confirmation email still remained on my account. I waited to see if it would be credited. Within a few days, around mid XXXX, I notified B of A, and the agent thought it looked fraudulent, canceled my card, filed the dispute, and sent me a new card. The bank sent me paperwork that was forwarded by XXXX that showed the charge, but failed to reveal any reservation/confirmation number. I contacted the rental car company ( XXXX ) in XXXX. They had absolutely no information pertaining to this charge. I spoke to XXXX in their XXXX office in XXXX, and the agent said there was a reservation made in XXXX, but this was not known to the agent I spoke with in XXXX. B of A insisted I received the vendors service ( I was never in XXXX during this vacation ) and I resubmitted the fraud claim, explaining that there was no reservation number associated with this charge, and furthermore my vacation was in the XXXX not XXXX. Their fraud agents admitted it was very unusual that there was no reservation number for a rental car. I have been a credit card customer with B of A for over 30 years. I am incredulous about their treatment to this matter. ( I typically cycled {$40000.00} per year through my account. ) They generated the same paperwork each time I appealed their decision, which proved nothing. I closed the account, paid the account off in full, less the fraudulent charge of {$270.00}.

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 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I have been reaching the company since XXXX about paying my property tax they told me they would pay about up until theyve been rude I have to pay my own property tax even tho I have escrow account with them I paid because I had letter saying if I dont pay by XX/XX/XXXX my lien would be sold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: RI

Complaint narrative:
I am writing regarding the adverse action notice dated XX/XX/year>, concerning my credit application submitted through Mercedes-Benz Financial Services . Your letter states that my application was denied based on Suspected Fraud information obtained from XXXX. I formally dispute this allegation and demand an immediate investigation into the source and accuracy of this designation. I am the true and lawful consumer whose identity was used in the application. Any implication that fraudulent activity exists associated with my identity, credit profile, or application is inaccurate, harmful, and damaging to my reputation and financial standing. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681i, I demand that Mercedes-Benz Financial Services provide : 1. The exact information relied upon to classify my application as Suspected Fraud. 2. The method of verification used. 3. The name and contact information of any third party or automated system involved in this decision. 4. Copies of any records, alerts, fraud indicators, or communications associated with my application. 5. A complete reinvestigation of this adverse action. Please note that reporting or relying upon inaccurate fraud-related information without reasonable verification may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. I am requesting immediate correction of any inaccurate fraud designation associated with my identity and written confirmation once your investigation has been completed. I reserve all rights under federal and state consumer protection laws. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX someone hacked my XXXX account. They tried to charge my default credit card, a Bank of America business card, but the company recognized it as a default charge. They then went and charged another Bank of America XXXX card I had already canceled with Bank of America and Bank of America let the charge go through. I immediately notified bank of America it was a fraudulent charge and they froze the charge. They have since multiple times told me they will not reimburse me. I have since paid because in order to avoid credit dings, I have my accounts set up to auto-pay. I previously had been told I would not be charged until it was resolved. I received no notification and was just charged. I am attaching proof that I have never charged that much from my XXXX account ever and BoA personal should have recognized this, as my business XX/XX/XXXX card did. Most importantly, they should not allow charges to go through on a canceled credit card. XXXX will not allow me to access my account because it was hacked and XXXX will not respond to my attempts to resolve this, either. So there is a large amount of money sitting in my XXXX account that the hackers charged. XXXX recognized it was hackers, so they froze my account.

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the account referenced above. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act and the Rosenthal Fair Debt Collection Practices Act. Under these laws, I am requesting that you provide the following : 1. The amount of the alleged debt, including an itemization of interest, fees, and charges ( see also California Civil Code 1788.52 ) 2. The name and address of the original creditor 3. Documentation bearing my signature evidencing that I agreed to this debt 4. Proof that your company has the legal authority to collect on this debt ( including assignment or purchase documentation ) 5. Confirmation of the date of default and that the debt is within the applicable statute of limitations ( see California Code of Civil Procedure 337 ) Additionally, if you are a debt buyer, you are required under California Civil Code 1788.58 to possess sufficient documentation to substantiate the debt before attempting collection or legal action. Please also be advised that under Fair Credit Reporting Act, you may not report or continue to report this account to any credit reporting agency without providing accurate and verifiable information. If you fail to provide adequate validation of this debt, you must cease collection efforts and notify any credit reporting agencies to delete this account. Furthermore, pending your response, you are to cease all collection activity as required under 15 U.S.C. 1692g ( b ). I request that all future communication be conducted in writing only. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have another complaint about Wells Fargo and now there is this problem. I deposited a check on XX/XX/year>. I still don't have access to my money, I am being told by multiple Wells Fargo employees that their check system is saying that these funds are likely to not be paid. This is a check from a title company trust account, these funds are guaranteed. Today I went to the title company 's bank, XXXX XXXX and spoke with the president. He told me that Wells Fargo has the money since XX/XX/year>. Wells Fargo also made the first {$270.00} available to me the day after I made the deposit so none of what I've been told makes sense. I've also been told by other people that because I have filed complaints against them that they have put an " investigative lock '' on my account. If that is true, that is retaliation. They have no right to hold money because I filed a complaint against them. I am not a new customer, I had opened an estate account with Wells Fargo and deposited {$80000.00} that was available TWO DAYS AFTER THE DEPOSIT and that was with Wells Fargo so they can't use the excuse that it is a new account because I have been established as a customer and they can't use the " the check may not be paid '' excuse either because they have the money. I even brought a letter of indemnity from XXXX XXXX stating that they gave Wells Fargo the money on XX/XX/XXXX, signed by the president but the branch manager refused to do anything about it. I am in a life safety emergency and I told multiple Wells Fargo employees this yet they still refuse to release my funds. This is absolutely outrageous that an {$80000.00} check from the SAME TITLE COMPANY AND BANK AS THIS ONE CLEARED IN 2 DAYS YET WELLS FARGO IS GIVING ME THIS MUCH TROUBLE WITH A {$3000.00} CHECK. I believe it's because I filed complaints with this agency as well as with the OCC and that is why they holding the money even though they have had it since XX/XX/XXXX. Wells Fargo has put me through so much the past two months and now this. It has to stop. They need to make these funds available immediately.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing this complaint against Ally Financial regarding a wrongful repossession, failure to honor a written settlement agreement, and inaccurate credit reporting. On XX/XX/year>, Ally Financial, through its legal representative ( XXXX XXXX XXXX XXXX ), issued a written settlement agreement stating that my account could be resolved for {$24000.00} in full satisfaction of the debt. At the time the settlement was issued, I had already secured a dealership buyer ( XXXX XXXX XXXX ) willing to purchase the vehicle and remit payment in accordance with the settlement. The dealership contacted Ally Financial to obtain payoff instructions. However, Ally Financials servicing department provided a conflicting payoff amount of {$28000.00} instead of honoring the agreed {$24000.00} settlement. This internal discrepancy prevented the dealership from completing the transaction. Despite my active efforts to complete payment under the settlement agreement and Allys awareness of the ongoing transaction, Ally proceeded with repossession of the vehicle. After repossessing and selling the vehicle at auction, Ally Financial issued a deficiency balance of approximately {$4100.00} and reported the account as a charged-off debt to consumer reporting agencies. This conduct raises the following issues : - Failure to honor a written settlement agreement - Interference with my ability to perform under the agreement - Wrongful repossession while settlement performance was in progress - Reporting inaccurate and misleading information to credit bureaus I have sent multiple certified letters to Ally Financial disputing the deficiency and requesting resolution. Three of those letters were confirmed delivered, and Ally has failed to respond. I am requesting the following resolution : 1. Immediate deletion of all negative credit reporting related to this account 2. Waiver of the alleged deficiency balance and update to {$0.00} balance 3. Written confirmation that the account is resolved in full If this matter is not resolved, I will pursue all available legal remedies, including claims under the Fair Credit Reporting Act and applicable state laws governing secured transactions and repossession practices.

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint regarding an alleged debt being reported and collected by LVNV Funding LLC and Resurgent Capital Services LP. I disputed this account and requested proper validation of the debt. In response the company provided only a summary of account information. This does not meet the requirements for validation under the fair debt collection practices act. they did not provide : A signed contract or application complete account statements from the original creditor Documentation showing a valid chain of ownership of the debt Proof that I am legally obligated to pay this debt Despite failing to properly validate the debt, the company continues to report this account on my credit report, which I believe is inaccurate and unverifiable. his may be a violation of the FAIR CREDIT Reporting Act I am requesting that the company either provide proper validation as required by law or immediately delete this account from all credit reporting agencies. I also request that they provide the method of verification used to report this account. I am seeking a full investigation and resolution of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a XXXX account only shortly to have it locked my account with my money in ot. I made one transfer and the XXXX started. They refuse to release my money after countless attempts of trying to resolve the problem. I sent document after document but to no avail. Ive been going thru this for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Core Issue : Failure to refund an unauthorized XXXX deduction of {$460.00}, despite four separate confirmations from Chase representatives that the payment was cancelled. Description of Events : I am filing this complaint due to Chases failure to return my funds after an erroneously processed BillPay transaction. XX/XX/year> : I contacted Chase by phone to explicitly cancel an upcoming scheduled XXXX XXXX of {$460.00} to XXXX. The Chase representative confirmed the cancellation was successful. XX/XX/year> : Despite the confirmed cancellation, Chase deducted the {$460.00} from my account. XX/XX/year> : I called Chase. The representative assured me the payment was cancelled in their system, could not explain why the deduction occurred, and stated the funds would be refunded to my account in " a couple of days. '' XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> : I made three separate follow-up calls to Chase. On each call, representatives confirmed the cancellation, provided no explanation for the error, and falsely promised the funds would be in my account " later today or tomorrow. '' As of filing this complaint, my money has not been returned. Chase 's system failure has locked up my capital, caused me to lose interest on my funds, and forced me to transfer additional outside money into this account simply to maintain my {$1500.00} minimum balance and avoid being unfairly penalized with monthly maintenance fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a secured card with b of a and was approved. I put XXXX down. They mailed it. Card never came. Flagged as fraud. Called 3 times waiting on the phone up to 2 hours each time. They close the account without talking to me. I finally get someone on the phone and they can't tell me why it was flagged. They said I closed it. I never spoke to anyone. They said reapply. I did and it dinged my credit and I was denied. I am tired of bank of america and closing all accounts.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted Bank of America on XX/XX/XXXX to open a claim for unauthorized XXXX transfers and referenced claim number is XXXX. To date, Bank of America has denied my claim. I have change bank account number, reset my online banking password, reset my device and use a new passcode. The following XXXX transactions were unauthorized and I did not grant actual authority. I did not initiate these transfers, nor did I grant any personexpressly or otherwisethe authority to move these funds. XXXX {$400.00} XXXX {$100.00} XXXX {$500.00} XXXX {$500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$800.00} XXXX {$500.00} XXXX {$500.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} Total unauthorized XXXX transfers {$4300.00}.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I purchased a round-trip airline ticket using my Chase Sapphire Reserve credit card. During my trip, XXXX flight XXXX ( XXXX to XXXX ) scheduled for XX/XX/year> was cancelled. The airline explicitly documented the cancellation as due to operational reasons. This cancellation disrupted my trip while in transit and required me to incur additional expenses, including lodging, meals, and replacement transportation to return to the United States. I purchased alternate return travel on XX/XX/year>, as I was unable to obtain a timely rebooking through the airline. I submitted a Trip Interruption claim under the Chase Sapphire Reserve benefits program. I provided documentation, including the airlines cancellation notice and receipts for expenses incurred. The total amount of expenses incurred due to this trip interruption is approximately {$4800.00}, including replacement transportation, lodging, and meals. The claim was denied based on a XXXX-related exclusion. I appealed the decision and clarified that my claim is based on the airlines documented operational cancellation, which directly caused the interruption and resulting expenses. Despite this, the claim was denied again after second-level review. My concern is that the claims administrator is applying a broad exclusion that does not align with the documented cause of loss provided by the airline. The direct cause of my loss was an operational cancellation, and I am requesting a formal review of the claim based on the actual documented cause and the benefits provided under the credit card. I am seeking reconsideration of my claim and reimbursement of the eligible expenses incurred as a result of this trip interruption.

Company response to consumer: Closed with explanation