vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding an extended deposit hold on a {$1000.00} check by TD Bank. 
I have been a TD Bank customer for over 20 years and have regularly deposited checks from this same source without prior issues. Despite this history, TD Bank has held this {$1000.00} check for over seven days. 
I contacted TD Bank by phone and requested that the check be released. TD Bank declined and did not provide a written explanation or justification for the extended hold. 
I was also unable to submit a written complaint through TD Banks secure message system due to a system error, which prevented written escalation. 
I am requesting that TD Bank release the funds immediately and provide a written explanation for the extended hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: NV

Complaint narrative:
This complaint concerns loan servicing and title administration, not payment amount.

Huntington National Bank holds the original XXXX certificate of title for my vehicle and has failed for several months to complete the lienholder actions required for an interstate title transfer to XXXX XXXX DMV requires the original physical title, properly completed by the lienholder, to be mailed directly to them.

Because Huntington has not completed this step, I am unable to title the vehicle in my home state and am being prevented from refinancing the loan at a materially lower rate. This has caused ongoing financial harm.

I have attempted to resolve this by phone multiple times and have experienced long holds followed by repeated call disconnections, without resolution or escalation.

I am requesting that Huntington either ( 1 ) mail the original XXXX  title to XXXX DMV with the lienholder section completed, or ( 2 ) provide a written explanation for why it will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
After monthly calls to Avant CC to get my due date changed from the XXXX to the XXXX, in addition to ask them to quit charging me {$31.00} monthly for a late fee. My payment is made EVERY month, always before the XXXX of the month... typically, on the XXXX. I have not been in the best physical condition and am in and out of the hospital. For example, I was released yesterday from a XXXX XXXX  after XXXX weeks of XXXX XXXX XXXX XXXX XXXX I have 14 days to finish. I went online to make my Avant CC payment and noticed a {$31.00} late fee. My minimum payment is approx {$45.00}, and I always pay over my minimum. I closed my card in XX/XX/year>, and continue to have this monthly stress!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
This complaint concerns a mortgage secured by property in XXXX XXXX, NJ. Mr. Coopers CFPB response letter dated XX/XX/XXXX states that there were no open workout reviews on file and that the loan was denied for loss mitigation on XX/XX/XXXX solely due to insufficient time to evaluate because of a scheduled foreclosure sale date, expressly stating the denial was not due to an XXXX XXXX. 

That explanation is inconsistent with the actual course of dealing and creates a procedural dead end. From XXXX through XX/XX/XXXX, I submitted loss-mitigation documentation repeatedly and in good faith, while the servicer issued shifting requests, claimed non-receipt, and required re-transmissions. In XX/XX/XXXX, I resent documents on XX/XX/XXXX and again on XX/XX/XXXX only because Mr. Cooper represented that documents had not been received and because of portal errors ; these were duplicates, and no material deficiency was ever identified. 

I received the most recent written notice relevant to this denial on XX/XX/XXXX, only days before the scheduled XX/XX/XXXX sheriffs sale. 

After receiving that notice, I requested non-foreclosure alternatives ( sale/deed in lieu ) and was told by telephone on XX/XX/XXXX that it was too late, and I submitted a written request on XX/XX/XXXX, including involvement by New Jersey Department of Community Affairs seeking an adjournment to consider a sale or deed in lieu. 

The servicers position that denial was based on insufficient time is not a borrower-created delay ; it is the result of the servicer continuing to solicit cooperation and re-submissions while simultaneously advancing foreclosure toward a sale date the servicer controlled. The servicers own sequencing also prevented pursuing a sale/deed-in-lieu while a modification review was pending, leaving me procedurally barred from all resolution options. 

I request CFPB review of ( 1 ) the servicers insufficient time denial rationale in light of the sustained document submissions and compelled re-transmissions, ( 2 ) the late timing of notice relative to the sale date, and ( 3 ) the servicers handling of loss-mitigation options that resulted in a procedural dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: CO

Complaint narrative:
I enrolled in an online educational program with XXXX XXXX but did not complete the program and stopped participating shortly after enrollment. 
I requested cancellation because I became aware of publicly documented lawsuits, investigations, and enforcement actions involving XXXX XXXX and its affiliated entities. These actions raised serious concerns about deceptive enrollment practices and misrepresentation of educational value, including : Misleading students about accreditation and credit transferability Inflated job placement rates and career success claims False advertising of program availability or externship opportunities Improper use of military seals or military-related marketing These matters demonstrate recurring themes of misrepresentation that have affected students and drawn scrutiny from state and federal regulators. 
On XX/XX/year>, I contacted XXXX XXXX by phone and requested to cancel/withdraw from the program based on these concerns. I spoke with a representative named XXXX, who acknowledged that I called to cancel and stated that she documented my cancellation request in my account notes. Despite this acknowledgment, my cancellation was refused and not processed. 
After that call, I did not continue coursework. I later contacted XXXX XXXX again regarding the account and was told that accounts are not canceled once sent to collections. 
Subsequently, I received written notice that my account had been referred to an external collection agency, Ability Recovery Services LLC, allegedly due to non-payment and lack of contact. This statement is inaccurate because I did contact XXXX XXXX, requested cancellation, and that request was acknowledged by their representative. 
At the time the account was referred to collections : I had requested cancellation/withdrawal, The program was not completed, and The account was disputed. 
Despite this, XXXX XXXX transferred the account to a collection agency. I requested documentation and validation of the alleged debt and collection activity, but the account was still sent to collections without proper resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: KY

Complaint narrative:
keeps trying to take my money out for subscriptions i dont owe, not letting me pay for anything from cash app because of the money its taking out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I deposited a legitimate check into my XXXX * TRADE account [ # XXXX ], which was immediately accepted. Within hours, my account was arbitrarily restricted without notice or explanation. 

I contacted support multiple times and provided FULL verification : - Government-issued driver 's license - Social Security card - Recent utility bill - Selfie holding ID - Bank statements matching name/address Despite this, XXXX * TRADE claims a " voice mismatch '' ( I have a naturally higher-pitched voice that goes in and out due to medical transition ) and refuses to unrestrict. XXXX notes now XXXX all agents from assisting, even closing the account. 

I can not : - Access my $ XXXX balance - Withdraw funds - Close the account This violates Regulation XXXX ( fund availability ), FCRA ( unjust credit freeze ), and XXXX * TRADE 's own terms. It's false fraud accusation causing financial harmno suspicious activity occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX on XX/XX/XXXX and before I received the card in the mail capitol one restricted the card and requested additional information such as my state issued ID and a bank statement or a utility bill. I dont pay utilities so I dont have any under my name so I have to use a bank statement. It is now XX/XX/XXXX and I have been constantly sending in documents for almost XXXX weeks and they will not verify them. I called XX/XX/XXXX and finally got a hold of a fraud specialist manger after almost XXXX and I spent an hour and a half on the phone with capital one as they tried to get a hold of my bank. We were on hold with my bank for quite a while, which isnt an issue I am fine with waiting to get this issue resolved. I was then informed by the manger that there were time limits on calls and that I needed to call back tomorrow. I have wasted countless hours of my life on the phone with capital one with no resolution. Capital one and my bank XXXX XXXX XXXX XXXX arent cooperating with each other and they are making it impossible for me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OH

Complaint narrative:
I received a letter about a debt that i have no clue about this please contact me on my email or cellular phone please do not send anymore letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Santander Consumer USA is unlawfully refusing to release a lien on my vehicle after the auto loan was charged off and closed. 

Vehicle Information : VIN : XXXX Account Number : XXXX According to Santanders own reporting, this account was : Closed on XX/XX/year> Charged Off / Profit and Loss Write-Off No longer an active or enforceable loan obligation Despite this, Santander continues to maintain a lien on my vehicle and has refused to release it. They claimed the account was back-dated to justify their refusal. Back-dating is an internal accounting practice and does not create or revive a legal security interest. 

Legal Basis : Nevada Revised Statutes ( NRS 482.432 ) Lienholders must release a lien within 15 days after it is satisfied or discharged UCC 9-513 A creditor must file a lien termination when it no longer has an enforceable security interest Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Creditors may not maintain or report inaccurate or misleading information I previously sent a written demand for lien release to Santanders Title Release Department ( XXXX ) and received no response. 

I am requesting CFPB intervention to compel Santander Consumer USA to : Release the lien immediately Electronically notify Nevada XXXX of lien termination Provide written confirmation of lien release Santanders continued refusal is preventing me from obtaining a clear title and constitutes improper lien retention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Dispute and Demand for Deletion Inaccurate / Unverifiable Reporting To Whom It May Concern, I am formally disputing the above-referenced account and demanding deletion of any credit reporting related to it. 

This account is disputed because the information being furnished is inaccurate, incomplete, and unverifiable, and you have failed to provide competent evidence that : I owe the alleged debt, The amount being reported is accurate, You have legal standing to collect or report this account. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to cease reporting information that can not be verified and to correct or delete inaccurate information. 

Accordingly, I demand that you : XXXX. Immediately delete this account from XXXX, XXXX, and XXXX  ; XXXX. Provide written proof of deletion ; or XXXX. Provide full validation, including the original contract, complete payment history, and proof of your ownership of the debt. 

If you can not provide such validation, you are required by law to delete this account. 

Failure to comply will result in formal complaints filed with the CFPB, the Florida Attorney General, and pursuit of all legal remedies available to me. 

This letter is not an acknowledgment of any debt. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CO

Complaint narrative:
My identity was still in and this debt is not mine. I keep telling these debt collectors that my identity was stolen and they still report to the credit bureaus and demand demanding me to pay it for a debt thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing this complaint regarding serious and ongoing issues with my XXXX XXXX XXXX XXXX administered by XXXX XXXX. 

Issue # XXXX : Failure to credit promised rewards. 
I applied for this card specifically due to a promotional offer of XXXX XXXX XXXX XXXXXXXX XXXX points. Although I inadvertently did not include my XXXX  XXXX account number on the original application, I contacted customer service months ago to correct this. I was repeatedly assured that the issue would be resolved and that the points transfer had been approved. I was told on multiple occasions that the points would appear within a couple of weeks. As of today, the points have still not been credited, despite repeated follow-ups over several months. 

Issue # XXXX : Improper card decline for insufficient funds. 
On XX/XX/year>, my card was declined for insufficient funds despite the fact that my account was paid in full over a week ago, my statement is not due until XX/XX/XXXX, and my balance is well below my credit limit. A customer service representative acknowledged that the decline was an error and stated that it should not have happened. I was told it would take at least XXXX hours to investigate. This caused embarrassment and disrupted a legitimate transaction. 

Issue # XXXX : Unjustified low credit limit and failed increase request. 
I was issued an unusually low credit limit despite an excellent credit history. I have held Bank of America credit cards for over 35 years, have never been late on a payment, and typically pay balances in full monthly. I recently closed XXXX cards with credit limits exceeding {$20000.00} each. At XXXX suggestion, I added my husband as a co-borrower to increase my limit, yet the request was denied twice without meaningful explanation. 

Resulting harm : Due to XXXX mishandling of my account, repeated hard inquiries, account instability, and unresolved errors, my credit score has dropped by over XXXX points. This is unacceptable and has caused financial and emotional distress.

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 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
I am filing this complaint against TitleMax regarding an auto title loan that I believe is predatory and designed to trap consumers in continuous debt. 

I took out a title loan using my vehicle as collateral. Although I have made payments, the majority of my payments go toward interest only, not principal. Currently, I am paying approximately {$1500.00} per month in interest, while the loan balance continues to increase instead of decrease. 

On [ XX/XX/year> ], I contacted TitleMax to ask for assistance or alternative options such as a payment plan, hardship program, or loan modification. I was told that no options are available, that I should pay when I have the money, and that interest and late fees will continue to accrue daily. They also confirmed they do not offer any repayment assistance or principal reduction options. 

TitleMax holds my vehicle title, which prevents me from selling the car to pay off the loan. This leaves me with no realistic exit other than surrendering the vehicle, despite having made significant payments. 

I believe this lending structure is unfair, deceptive, and predatory, as it relies on excessive interest, lack of transparency, and refusal to provide reasonable repayment alternatives. I am requesting that this complaint be reviewed and that TitleMax be required to provide fair resolution options or relief. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
RADIUS GLOBAL can not provide permissible purposes. This is not a transaction authorized by me. I did not benefit from this transaction. This is a violation of my consumer rights, my privacy rights and the Gramm Leach Bliley Act. They have access to my non public personal information without my consent. This is false and misleading and deceptive business practices. This is a VIOLATION OF THE LAW! Violation of privity of contract. Radius Global can not provide permissible purposes. This is fraudulent. This is a result of identity theft.

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 2026-01-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased the following items under Invoice # XXXX : XXXX XXXX Qty XXXX {$3300.00} XXXX XXXX Qty XXXX {$1500.00} Total : {$4800.00} I did not receive these items. I contacted the merchant 7 days after the expected delivery date ( XX/XX/year> ). After a delay, the merchant responded via email stating that the items were discontinued and no longer available, and that they had accepted the loss associated with the dispute, effectively leaving me without the goods or a refund. 
I have submitted all correspondence and supporting proof of this issue to AMEX. Despite this, my dispute remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I have disputed for the last year through XXXX  and XXXX  with no help.I called heights XXXX they told me they dont report to the bureaus Then I called XXXX collection they said do not report to the bureau so I need your help its not a auto loan and wrong amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
On XX/XX/XXXX, I officially sold my home and the outstanding mortgage of {$170000.00} was paid off in full to Volunteer Mortgage Loan Servicing. Later that day I called Volunteer Mortgage Loan Servicing to give them my new address to send a check for my escrow refund and other documents. I was told I should receive the check and documents in around 20 days. By XXXX XXXX, I still hadnt received my escrow refund check or other documents that were supposed to be sent. I called XXXX and the man I spoke to stated it had been mailed out several weeks ago and confirmed they had the right address on file. He stated the refund check was for over {$3000.00} and he wasnt sure why it hadnt arrived and told me it would be delivered in a large envelope. As of XX/XX/XXXX, I still have not received my escrow refund check or other pertinent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I paid a pet grooming service using cashapp & was unaware that their account was suspended due to fraud. The owner told me to request a refund & pay through XXXX. I made the additional payment through XXXX, meanwhile I requested the refund ( was denied ). I made an appeal ( was denied ). I called to speak to a live representative & was told that they did verify the business 's account was under review for fraud, so they could appeal my refund on their end & open an investigation ( was denied ). All of the dates are included in the screenshots. Cashapp is not a secure money resource. I will only use XXXX moving forward.

Company response to consumer: Closed with explanation