vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TD BANK US HOLDING COMPANY
State: ID

Complaint narrative:
My father originally financed a pickup truck through TD in XX/XX/XXXX. After his sudden passing in a motorcycle accident, my motherhis surviving spousewas left to manage his financial obligations while navigating immense grief and significant financial hardship. Unfortunately, TDs response to this situation has been deeply concerning. Despite being informed of the borrowers death, the company demonstrated a lack of compassion and flexibility, offering no meaningful assistance, hardship accommodations, or guidance regarding how to appropriately handle the account under these circumstances other than voluntarily surrendering the vehicle. Shortly thereafter, my grieving mother received a letter from TD Finance addressed directly to her deceased husband stating, we have the vehicle because you broke promises in our agreement. The letter contained no acknowledgement of his death and was not addressed to the estate, despite TD already having been informed of his passing. Receiving this communication caused significant and unnecessary emotional distress. I spoke directly with a TD representative on XX/XX/XXXX, and the interaction further highlighted serious concerns regarding TDs handling of this matter. During the conversation, the representative was dismissive, rude, and repeatedly stated, Im not sure what you want me to do, despite the situation and our concerns being clearly explained both in prior written communication and during the call itself. Additionally, when I expressed concerns regarding this employees conduct and requested contact information for her supervisor, I was informed that her supervisor does not take or make calls. Instead, I was told I could only speak with another XXXX at the same level. The representative stated this was internal company policy ; however, when I requested a copy or explanation of that policy, she refused to provide it. I subsequently requested a return call from another XXXX. That XXXX contacted me once, I returned the call and left a voicemail, and no follow-up call was ever made. I also asked whether our conversation was being recorded so that my concerns and feedback could be accurately reviewed. I was informed that the call was not being recorded. This raises additional concerns regarding TD Banks complaint handling, accountability, and quality assurance practices, particularly when consumers are attempting to report insensitive or inappropriate conduct by employees during highly sensitive circumstances. The overall handling of this situation reflects a serious breakdown in communication, professionalism, and compassion toward a grieving family attempting to responsibly address the financial obligations of a deceased loved one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I need assistance on getting crosscountry to honor the signed float down agreement for my rate. For more than XXXX days I have been told that I can not float down my rate becuase my rate of XXXX is better than current market rate. This is obviously a lie. From reading the signed float down agreement, it appears that my loan XXXX and/or her supervisor are either completely wrong or are intentionally attempting to stall and gaslight me until my float down window expires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
I have been a Chase credit card customer for over XXXX years. In XX/XX/year> I opened a new Chase commercial credit card. Ever since then, every time I try to access my online banking, my online account is locked for fraud. I log in from the same phone, same physical location every time. I then have to call Chase and send XXXX min, sometimes multiple days in a row, to get the account unlocked. This has been going on for XXXX months. I have spent probably XXXX hrs on the phone, having to take off work to resolve. I am unable to make credit card payments on time due to this. I cant get anyone to help resolve the root cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Before describing my complaint, I would like to note that the complaint category options provided did not accurately reflect the issue I am experiencing. I selected the option ( XXXX ) that most closely related to my situation, as there was no category or other option that fully captured the circumstances of this matter. The following is an accurate account of the events and issues I have experienced. I am filing this complaint regarding an unresolved title issue involving my auto loan refinance through Capital One Auto Finance that has prevented me from registering my vehicle for an unreasonable period of time. I originally purchased and financed my vehicle in Indiana through a XXXX XXXX XXXX XXXX based in XXXXXXXX XXXX After moving to XXXX, I refinanced/transferred my auto loan to Capital One Auto Finance on or around XX/XX/XXXX. During the lender transition, my previous lender released the vehicle title to an incorrect address. To my knowledge, the title was never returned to sender, never returned to the XXXX XXXXXXXX, and is effectively lost. Because of this, Capital One Auto Finance was required to coordinate with the State of Indiana to obtain a replacement title listing Capital One as the lien-holder. Between XX/XX/XXXX and approximately XX/XX/XXXX, Capital One repeatedly requested documentation and information from me, which I promptly provided. Since XX/XX/XXXX, I have not been asked to submit any additional information and have complied with every request made of me. I have been told the matter is being handled internally by Capital One. However, as of XX/XX/XXXX ( almost XXXX months after the refinance and more than XXXX months since providing all requested documentation ), this issue remains unresolved. Capital One has still not secured an updated title, leaving me unable to properly register my vehicle in XXXX This prolonged delay has created a significant hardship. I have been unable to complete vehicle registration despite making every reasonable effort on my end and fully cooperating throughout the process. Throughout this time, I have remained in good standing on my auto loan, have never missed a payment, and routinely pay more than my required monthly payment. Despite fulfilling my financial obligations and providing all requested documentation months ago, I continue to experience the consequences of a matter that appears stalled on Capital Ones end. I am requesting that Capital One Auto Finance take immediate action to resolve the title issue, provide clear communication regarding the status of my case, and facilitate obtaining the corrected title so I can legally register my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
yes this is a XXXX account but i don't recall ever having this internet/cable service when they said i had it, all i know is i been confuse with other persons having the same first and last name as, me

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 2026-05-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Product/Service Selected : Credit Card Issue Selected : Problem with a purchase shown on your statement / Fees or interest charges What Happened : I am filing this formal complaint against my credit card issuer because their automated online banking portal is preventing me from disputing a severe merchant violation due to the timeframe elapsed. I am explicitly exercising my right to assert " Claims and Defenses '' under federal consumer protection standards regarding a transaction where services were completely unrendered. On XX/XX/year>, a charge of {$1500.00} was posted to my credit card account ( ending in XXXX ) by the merchant XXXX XXXX XXXX XXXX XXXX under reference number XXXX. This charge was processed for digital access and online program services. The merchant has utterly failed to deliver the promised digital media services, content access, and program benchmarks that were agreed upon at the time of the sale. Furthermore, the transaction details indicate " This is a recurring charge, '' a billing classification for ongoing automated charges that I did not explicitly authorize. I have attempted in good faith to contact XXXX support directly to resolve this merchant violation and request a refund, but the merchant has refused to cooperate, ignored correspondence, or failed to provide an appropriate resolution. Because the online banking system blocks older disputes automatically, I have been denied a manual review by a human compliance investigator. Desired Resolution :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I am a federal student loan borrower whose account is serviced by Aidvantage. I am filing a formal complaint regarding a severe automated billing glitch, illegal weekend delinquency reporting, and a direct violation of the Department of Education 's transitional guidelines following the court termination of the SAVE plan. On XX/XX/year>, Aidvantage issued me a formal approval letter placing my loans into an " Alternative Repayment Plan '' with a documented monthly payment of {$0.00}, effective XX/XX/year>. Instead of honoring this written statement, Aidvantage 's automated system unilaterally changed my account status to a Standard 10-Year Plan demanding an unaffordable payment of {$530.00}. Compounding this error, XX/XX/year>, was a XXXX. Under federal lending regulations, if a due date falls on a weekend, a payment can not be penalized as late until the following business day. However, Aidvantage 's automated system immediately flagged my account dashboard as " Past Due '' and " Delinquent '' on XXXX, XXXX XXXX exact same day the payment cycle was initiated. It is legally and procedurally impossible for an account to be instantly delinquent on a non-banking weekend due date, proving a severe system calculation failure. When I called customer service, a phone supervisor admitted the {$0.00} approval letter was an internal error on their end due to the SAVE plan court transitions, but verbally claimed they could override their own written approval to demand the {$530.00}. They actively refused to apply a manual Administrative Processing Forbearance to protect my account standing while this conflict is reviewed. Per the Department of Education 's official guidance issued on XX/XX/year>, borrowers transitioning off the SAVE plan are legally entitled to a transition window. XXXX XXXX notices giving borrowers time to select a new plan do not even begin rolling out until XX/XX/year>. Aidvantage is jumping the gun, violating the federal timeline, accelerating delinquency on a weekend, and threatening my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Online, I opened a CD, savings, and checking account. Each one included pdf account disclosures which I saved, that stated that Capital One can disclose information to affiliates and non-affliates, including information about my account balances and transactions, unless I take action to limit sharing. The material specifically says " Call us toll free at XXXX and one of our representatives will update your privacy choices. '' and that I must do so within XXXX days. I completed the account and online login setup processes, including handling two text messages to my cell number and providing a verification code, and then app installation and verification for push messages. I then called ( same day ) the given number to limit sharing. The group that answered verified me with security information, then said they only handle credit cards, and transferred me to the banking group. That rep verified me again, then said that in order to help me, they needed to send an additional verification text to my phone, then said that their system refused to send the text, and instead I would have to use an email they would send me to upload front and back of my government ID. They said calling back at a later date might resolve the texting issue. I called again the next day, and this rep verified my security information and then said I just needed to go online to their capitalone.com/privacy page to update my own settings. I pointed out that that page points to the privacy disclosure pdf, which says I have to call for a rep to update the settings. They too then tried to have the system text me, then reported the system said it would not send the text. ( However, note that two different texts to my phone were sent and used for confirmation during the online account setup process, and then the app push messages were also set up as an alternative verification method! ) I do not believe that fielding an email to provide images of my government ID is an appropriate necessary part of a process to avoid having my personal information shared, when I have and do repeatedly successfully identify myself through texting, app codes, account numbers, address, and social security identifications. I am complaining because it appears that Capital One 's business system is making it infeasible to " call ... and one of our representatives will update your privacy choices '' and I do not want my personal information shared with affiliates and non-affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: UT

Complaint narrative:
I set up a payment plan in XX/XX/year>. The firm failed to draft the payments, never sent any failure notices, blocked my online portal access, and when I called to fix it, their representative hung up on me.

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 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: MI

Complaint narrative:
I received a call from my home owners insurance agent on XX/XX/year>, stating that my homeowners policy was delinquent in the amount of {$1500.00}. I contacted Valon customer service within XXXX minutes, and they stated that the payment was in process. I asked for the check number and what address payment was being sent to. I advised if any fees were assessed due to late payment by my insurance company I expected that Valon would reimburse or pay any fees. The representative stated she could not access the check number, nor did she have the address the payment would be sent to. I stated that was unacceptable and stated I would be filing a complaint with the CFPB, the representative then placed my call on a long hold where she stated she would contact my insurance company. When the Valon representative came back on the line, she stated she got an address for overnight payment to the mortgage company but was unable to confirm any late fees or cancellation date for the policy as she spoke to the corporate office and not my direct agent. The Valon agent stated she would arrange for the overnight of the check but would not have the check number or tracking number for the overnighted package for XXXX days. The representative than stated I could call back to try to get the information, I stated that was unacceptable and requested the mortgage company to call me back when the information becomes available. I will follow up with my Insurance agent on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Consumer report 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 non-monetary relief
Consumer complaint received 2026-05-27 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: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I have attempted to close my PayPal account and delete debit cards linked to my account but have been blocked by Paypal. There were no fraudulent accounts usage or opened. I closed a PayPal account I had for years. A few months later, I needed the service and tried to open a new one. That does not mean that I did anything wrong and opened multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing this complaint regarding TD Banks repeated refusal to reimburse an unauthorized XXXX transfer totaling {$990.00} to an individual named " XXXX XXXX, '' which occurred as a direct result of a documented identity theft and account takeover event. On Friday, XX/XX/year>, my mobile carrier account was criminally compromised. I have uploaded the actual text notifications showing the exact timeline of this breach : at XXXXXXXX XXXX I received an alert stating that a new XXXX card could be downloaded. This XXXX swap immediately severed network service to my physical phone and transferred my mobile identity to the fraudsters. Exactly XXXX minutes later, at XXXX XXXX, the perpetrators utilized this hijacked phone number to bypass security and access my online banking portal to send the {$990.00} XXXX transfer. Crucially, TD Bank 's denial claims that " biometrics '' were used to authorize the transfer at XXXX XXXX. This is a physical impossibility. I have historically logged into my TD app exclusively using a username and password. I did not establish a biometric profile with TD Bank until Monday, XX/XX/XXXX, when I went into a physical branch to open a new checking account after this breach. The biometrics used at XXXX XXXX on XX/XX/XXXX belong entirely to the fraudster, who registered their own face/fingerprint onto their device after the XXXX takeover. TD Bank 's security system failed to flag a brand-new biometric enrollment immediately following a major network/device change. This was part of a larger identity theft campaign that resulted in an aggregate loss of {$7000.00} across my financial profile, including a fraudulently opened XXXXXXXX XXXX XXXX XXXX. I notified TD Bank the very next day. I have attached XXXX distinct files documenting this crime : XXXX. TD Bank Response to refiled claim XXXX XXXX. XXXX XXXX 's Police Report after phone hack on XXXX XXXX. XXXX XXXX 's Identity Theft Report from XXXX XXXX XXXX XXXX XXXX notifications from XXXX XXXX XXXX XXXX XXXX TD Bank is misapplying Regulation E by treating a hacker 's fraudulently registered biometric session on a hijacked XXXX clone as consumer authorization.

Company response to consumer: Closed with monetary relief