vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I am requesting a manual review to reinstate my account. I have experienced recurring technical issues with the Capital One mobile app, where an incorrect linked family bank account is automatically selected for payments instead of my personal account. This has led to 'returned payment ' statuses that do not reflect my actual financial ability to pay. 

To prove my financial responsibility, I maintain perfect history and {$0.00} balances with XXXX and XXXX XXXX. As soon as I realized the app error, I paid the full Capital One balance, which is currently {$0.00}. I am a loyal customer and I ask for my account to be reopened. I have now ensured that only my correct personal account is linked to avoid any future technical discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by the company named in this complaint, Midland Credit Management. 

The company is reporting an alleged debt to consumer reporting agencies and/or attempting to collect without providing proper validation of the debt. I have disputed this account and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). To date, the company has failed to provide sufficient documentation establishing that I am legally obligated to pay the alleged debt, including proof of ownership and a complete chain of title from the original creditor. 

Despite the debt being disputed, the company has continued to report the account to credit bureaus and/or continued collection activity. Reporting an unverified or disputed debt is misleading and constitutes improper collection practices. 

Additionally, I have requested that the company cease communication regarding this alleged debt. Any continued communication beyond what is legally permitted would constitute further violations of the FDCPA. 

I am requesting that the CFPB require the company to : Immediately cease all collection activity and delete the account from all consumer credit reports if validation can not be produced. 

I am also requesting that the CFPB investigate the companys collection and reporting practices for compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello, I am writing to formally document and request a review of my recent experience with Navy Federal regarding an OOPS overdraft fee and the handling of an instant XXXX transfer. 
On XX/XX/XXXX, I utilized Navy Federals OOPS program, which resulted in my account being temporarily overdrawn. Later that same business day, I immediately sent funds to my Navy Federal account via XXXX to bring the balance positive. This is my normal practice, and historically these transfers have been instant, not standard XXXX transfers that take 12 business days. 
On XX/XX/XXXX, I contacted Navy Federal for clarification. The representative I spoke with advised that the XXXX transfer was showing as pending in Navy Federals system, although she could see that my account had reflected a positive balance. She further explained that, because the XXXX was pending internally, an OOPS fee was applied, which caused my account to reflect a negative balance again. She instructed me to wait until XX/XX/XXXX, stating that if the fee was not automatically reversed, I should call back. 
On XX/XX/XXXX, I called as instructed. Unfortunately, the first representative disconnected the call abruptly. The second representative was professional and explained that because the XXXX transfer appeared as pending on Navy Federals side, the fee could not be refunded.

While I understood the explanation provided, my concern is not primarily the refund, but rather why an instant XXXX transfer was pending on Navy Federals end. To clarify, I contacted XXXX directly, and they confirmed that the transfer was processed as an instant transfer, not a standard one. 
I then requested to speak with a supervisor. During that interaction, I experienced what I felt was a condescending and dismissive tone. The supervisor stated that I had already spoken with multiple representatives and that he would tell me the same thingthat I would not receive a refund. I reiterated that my intent was not to argue about the refund but to understand the delay in processing on Navy Federals side. I was repeatedly told I dont know and instructed to contact XXXXe again, despite already having confirmation from them.

I have been a Navy Federal member for some time and have never
experienced this level of interaction or service. I respectfully request that my call history be reviewed, as I believe listening to the recordings would clearly reflect my conduct and the manner in which this situation was handled.

I would appreciate a review of : Why an instant XXXX transfer was pending internally Why the OOPS fee was applied despite same-day funding The customer service experience, particularly during my interaction with the supervisor Thank you for your time and attention to this matter. I look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/26 IC Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. 
Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. 
Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title, including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information, if required by law in your jurisdiction. 
A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( 15 ) calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but
not limited to statutory damages, punitive damages, legal fees, and court costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
Thank you for the opportunity to ask for help. I've requested my original loan documents because my applied payments do not reflect XXXX fixed interest rate. When I call, Mohela states I need to contact Dept of Ed. Dept of Ed states I need to contact my service provider. The loan was commenced in XXXX for {$6300.00}. My account shows balance of {$3400.00} with an estimated payoff date XX/XX/XXXX. If you review my monthly payments, the amounts do not concur with a fixed XXXX rate. Examples are Pymt XXXX Principal XXXX, Interest XXXX, Pymt XXXX Principal XXXX, Interest XXXX Pymt XXXX Principal XXXX, Interest XXXX, Pymt XXXX, Principal XXXX, Interest XXXX The payments are not consistent for most of the account history. In fact, the calculations do not reconcile. Also, several times last year when I accessed Mohela site to make my payment, another bank account was listed. I had to back out then access account again.

This loan should have been paid back already. When I inquiry about the inconsistent amounts, they make me feel like I'm an XXXX. I've paid a mortgage and revolving account my entire life with fixed interest rates. Principal and interest are consistent. 
Would you please access my account and review the account history. I have always in good faith made my payments. The Ohio Attorney General 's Office game me this site to try and find answers. Thank you for helping me. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the denial of my recent claim regarding a purchase of counterfeit merchandise. 

I purchased a pair of shoes that were explicitly advertised and sold as authentic. After receiving them, I became concerned about their legitimacy and took the shoes to a professional authenticator. The authenticator confirmed that the shoes are counterfeit. I also possess substantial additional evidence supporting this determination. 

Despite this, my claim was denied by Wells Fargo without any request for documentation, evidence, or authentication results. At no point was I given the opportunity to submit proof that the merchandise was counterfeit, which is extremely concerning and does not appear to align with a fair or thorough investigation process. 

I am requesting that this claim be reopened and properly reviewed. I am fully prepared to provide all supporting documentation, including authentication confirmation and other relevant evidence, upon request. 

Please advise on the next steps to ensure this matter is reviewed appropriately. I expect a prompt response and a transparent explanation regarding the denial of my claim. 

Thank you for your attention to this matter.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
A collection account from Credence Resource Management , LLC, related to XXXX XXXX, is being reported on my TransUnion credit report as a paid collection. I dispute this account because the information being furnished is inaccurate, incomplete, and unverifiable. 
On XX/XX/year>, I sent Credence Resource Management a formal written dispute and demand for validation under the Fair Credit Reporting Act ( FCRA ). In that letter, I requested full documentation supporting the account, including proof of ownership, complete billing records, accurate dates of first delinquency and last activity, and verification of the amount being reported. 
To date, Credence Resource Management has not provided any validating documentation to support the accuracy of the tradeline. 
Issues with the account The debt has not been validated with original billing statements, proof of assignment from the original creditor, or a complete account history. 
Key dates reported to TransUnion ( such as date of first delinquency, date of last activity, and payment history ) appear incomplete or inaccurate. 
The amount reported has not been supported by any documentation showing how the balance was calculated or whether fees were authorized. 
The tradeline appears legally incomplete, yet it continues to be reported. 
Despite my dispute, the account has not been properly resolved or corrected, and I have not received a written method of verification. 

Actions taken I submitted a formal dispute and validation request directly to Credence Resource Management on XX/XX/year>. 
I requested either full validation or deletion of the tradeline if validation could not be completed within the required timeframe. 
I requested that the account be properly marked as disputed with the credit reporting agencies.

Resolution sought I am requesting that this account be deleted from my credit report unless Credence Resource Management can provide complete, accurate, and legally required validation of the debt. I am also requesting confirmation that any inaccurate or unverifiable information is no longer being furnished to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I sent XXXX XXXX {$100.00} via Cash App to $ XXXX in transaction # XXXX 

This was not the correct XXXX XXXX that I intended to send funds to. 

The XXXX XXXX that received my funds does not know me. I requested a refund, but it was declined. Under the legal theory of " unjust enrichment '' this individual has committed a financial crime and is subjected to legal/criminal repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I am filing a complaint against Uprova Credit for issuing an illegal and predatory loan with an interest rate of approximately 676.85 % APR. 
Uprova is not licensed to lend in California and is using a tribal affiliation to attempt to bypass state usury laws. This loan violates the Truth in Lending Act ( XXXX ), state usury laws, and constitutes unfair, deceptive, and abusive acts or practices ( XXXX ). 
The interest rate is grossly excessive and was not lawfully disclosed in a manner that a reasonable consumer could understand. The loan is illegal in my state and should be considered void and unenforceable. 
Uprova has attempted to collect on this illegal debt and has caused financial distress and consumer harm. 
I am requesting that the CFPB investigate Uprova for predatory lending, illegal interest rates, deceptive practices, and unlawful collection activity, and require them to cease operations and collection efforts in California.

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am disputing a debit card charge of {$370.00}. The transaction was posted on XX/XX/year>, but the amount was withdrawn from my account on XX/XX/year>. I submitted all requested documentation during my initial claim and reconsideration. Chase denied the claim twice without providing a written explanation or confirming that my evidence was reviewed. I also called Chase to request escalation and was instructed to call back after five days, with no supervisor review conducted. No written reasoning or documentation was provided by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
I have paid the cost of school about four times over. And pay monthly. I have been paying since 2009 and my loan has only increased and is now about XXXX $ please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: WA

Complaint narrative:
Chrysler Capital has failed to release the lien on two paid-in-full vehicles ( XXXX XXXX, XXXX XXXX XXXX XXXX ). They are refusing to provide a lien release or title, and are directing me to a third-party paid website to access my own legal documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX [ XXXXXXXX XXXX  XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, WA XXXX ] Dear [ XXXX XXXX XXXX ] , I am writing in response to the recent communication 1 received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information to substantiate your claim. I kindly request that you provide the following documentation : 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt. 3. Detailed information about the nature of the debt, including the dates and amounts of all transactions or charges.

4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor.

Please note that under the FDCPA, you are required to cease all collection activities until you provide the requested validation of the debt. This includes but is not limited to contacting me by phone, mail, or any other means of communication. I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. Should any negative information be reported, I will take appropriate action to dispute the accuracy of the reported data. I expect a prompt response to my request within 30 days from the date of your receipt of this letter, as stipulated by the FDCPA. Failure to provide the requested validation within the specified timeframe will be deemed an admission that you can not substantiate the debt, and I will consider the matter resolved in my favor. Please send all correspondences and documentation related to this matter to the address listed above. Any communication or collection attempts made outside of the written response to this validation request will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will handle this request in accordance with the applicable laws and regulations.

Sincerely. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: AR

Complaint narrative:
Structured Settlement is the company and they're using threats of legal action, garnishments, leins... etc and calling my spouse after repeatedly being told not to contact anyone other than me directly. I have also requested all communication be done in writing ( email or physical documents ) and they have refused saying " we just dont do that. '' even when requesting documentation of payment arrangement terms and conditions.

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 2026-02-03 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: WHEELS FINANCIAL GROUP, LLC.
State: WI

Complaint narrative:
I will include the date in the attachment where they modified my loan from well over 100 % down to 36 % as I was struggling due to XXXX XXXX. I signed a new loan agreement for {$4200.00} and change at the 36 % interest. It was my understanding that they were forgiving the {$1500.00} in interest. They charged in a few months and starting from the original loan agreement at 36 %. Now youll see that the loan agreement I signed and the percentage rate to loan amount doesnt make sense for the payment amount I believe my payment should be around {$200.00} and they are charging me XXXX .. according to what I signed they need to fix my account and adjust the principal balance.

Company response to consumer: Closed with explanation