vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XXXX XXXX allows outside vendors to request money from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Santander XXXX XXXX failure to ensure lawful handling of my personal property following repossession of my vehicle, resulting in significant financial harm. 

Santander repossessed my vehicle and employed a third-party repossession company whose office is located in Pennsylvania and whose physical storage lot is located in New Jersey . At all relevant times, my personal property remained inside the vehicle, and the vehicle had not yet been sold or auctioned.

Under well-established repossession rules, personal property inside a repossessed vehicle remains the borrowers property and must be made available for retrieval. Despite this, the repossession company refused to allow me access to retrieve my belongings, even though : I clearly identified and requested my personal property ; I had the ability to access the vehicle electronically through my XXXX app ; Santander expressly instructed the repossession company to allow me access, which the company ignored. 

The repossession company stated they would not allow access without a physical key, even though Santander approved access and no legal basis exists to condition retrieval of personal property on possession of a key. 

As a result of this refusal, my valuable personal property was wrongfully withheld and is now at risk of loss or disposal, constituting conversion and causing substantial damages. 

Santander is responsible for the actions of its repossession agents and has a duty to ensure compliance with consumer protection laws. Santander failed to intervene, failed to correct the unlawful refusal, and failed to protect my personal property, despite being on notice of the issue. 

This conduct constitutes an unfair act or practice, caused direct financial harm, and deprived me of my lawful right to retrieve my personal belongings.

Resolution Sought : Compensation for the full value of my personal property wrongfully withheld and potentially lost ; Written confirmation of Santanders repossession-vendor compliance policies regarding personal property ; Corrective action to prevent Santanders agents from unlawfully denying borrowers access to personal property in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: American Student Assistance
State: WI

Complaint narrative:
I have been requesting, for several months, copies of the original loan documents for my defaulted loan now held by American Student Assistance, along with all information supporting their legal authority to collect this debt. Additionally, I have made multiple attempts to contact XXXX regarding their current lawsuit and to discuss my existing loans with them. To date, no one has been willing to address these matters with me, and I am requesting more information and clarification. I started my request on XX/XX/year> and then asked again on XX/XX/year>. I received a letter stating my loan is in default etc. But they have not provided me with any of the documents in my original and secondary request. American Student Assistance is acting as the Guarantor on behalf of the XXXX XXXX. of XXXX. However, they also have XXXX XXXX XXXX XXXX listed. I sent an email on XX/XX/year> regarding my request of documents. I have received nothing from them.

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 — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal permanently limited and deactivated my account without providing a clear or specific explanation. I had submitted all requested information and documents when asked, but I never received a meaningful response or resolution. 

After contacting PayPal customer support multiple times, I was informed that the account decision was already final and that they could not assist further. I explained that I was willing to provide additional information or clarification if needed. A customer service representative told me the matter would be forwarded to the back-office team and that they would contact me, but I was never contacted. 

Later, PayPal informed me that my account was permanently deactivated due to alleged customer dissatisfaction, without providing details or evidence. They are holding my remaining funds for up to XXXX days. I believe this action was taken without proper review or communication, despite my cooperation and repeated attempts to resolve the issue. 

I am requesting a clear explanation for the permanent limitation, confirmation that my submitted information was reviewed, and a fair resolution regarding my account and held funds.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: SD

Complaint narrative:
I used Klarna to finance a purchase with merchant XXXX XXXX ( statement reference XXXX ). I disputed the charge on the basis that the promised services were not delivered as represented. 

Klarna initially reinstated the balance, then later reopened the matter as a goods not received dispute. Since that time, the dispute has remained unresolved for approximately XXXX months. 

During this period, I contacted Klarna multiple times to request : The status of the dispute Confirmation that Klarna complied with its stated policy to investigate and resolve complaints within XXXX business days Documentation or a reference number for any escalation or merchant report A written determination explaining the outcome Klarna representatives repeatedly stated that the matter was reported or under review, instructed me to wait, and confirmed that no reference number could be provided. Klarna did not provide a written determination, did not confirm compliance with its own complaint-handling timeframe, and did not resolve the dispute within the stated period. 

I am submitting this complaint because Klarna failed to follow its own complaint resolution policy, failed to provide requested information, and has left the dispute unresolved while payments were previously reinstated without explanation.

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: Closing your account — Company closed your account
Company: Dave Operating, LLC
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX Dave had closed my account due to complaints. I filed with them with dispute. They did not give me a heads-up that they were closing my account. They just automatically sent me something today. I am very upset about this. I need to know what disputes they still have open, they have not provided me any information on my dispute. Im asking for a whole investigation to be done. Can someone please reach out to me? What should I do? My income is going to Dave 's checking account XXXX XXXX and I need information on this.

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: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: MI

Complaint narrative:
You violated the United States Code Law lo ( TILA 15 U.S. Code 1666 ( b ) charge error ).

Upon conduating a recentlexamination ot my ts!! credit history, I discovered a substantial 709 number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

!

86 have, the better.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TomoCredit Inc.
State: MI

Complaint narrative:
I don't know who the XXXX XXXX is responding without resolution to only copy and past the same script. So contacting by email, DO NOT EVER CONTACT ME AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Hosto & Buchan, PLLC
State: AR

Complaint narrative:
A few months ago, I was served with legal paper work in regarding to a lawsuit for debt that is owed. After contacting the original company where I purchased the car, they stated that the car was sold after volunteer turning the car. The money went toward what was owed on the car. That the debt was satisfied and came off my credit report. But some how the debt was sold XXXX different times to different companies after finding this out recently. I had no knowledge of the debt collector trying to collect debt that was forgiven by the original claim. This is the only attempt this debt collector has made to me by taking me to court. As a citizen of the USA, this is not a way to be treated. I feel like this is a threat against me legally to get me to pay money they bought from XXXX  other collection agencies.

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: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
So I recieved an email in XXXX after complaining about unknown transactions and withdrawals to Cash App from my bank account when I unlink my card after every transaction and there are a lot of lil transfer like a few bucks I didnt authorize cause if its not XXXX or more I wont do they charge a XXXX fee so why would I deposit XXXX XXXX or even XXXX bucks when u take XXXX of top doesnt make since but what started the whole thing is in XX/XX/XXXX I transfered a few times over XXXX transactions and it never made it from my Cash App to my bank and vice verse the bank could provide proof they sent theirs but Cash App could provide proof of recieving or never reviving or sending my money and also I found multiple payments to Cash App is what it says where it normally states the merchant name or what the transaction is for it is blank then states payment to Cash App I dont make payments to Cash App they dont sell anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding " Zombie Debt '' that is the result of gross negligence and billing errors by the original creditor ( XXXX ), which has now been sold to Jefferson Capital Systems despite previous disputes. 

XXXX. The " Phantom '' Account Issue I am being collected on for an account ending in XXXX. My actual, original account ended in XXXX. The creditor created a duplicate or " phantom '' account without my authorization. In XX/XX/XXXX, store representatives informed me my original account was closed, yet this phantom account continued to accrue charges while I was physically locked out of the service due to equipment failure and XXXX security protocols. 

XXXX. Written Admissions from Creditor Executives I have written correspondence from the creditors Executive Response Team proving the debt is invalid : XX/XX/XXXX : An XXXX admitted in writing that the billing cycle should have been adjusted/credited back to the date of the equipment failure. This credit was never processed. 

XX/XX/XXXX : Another XXXX stated in writing that I was " not the authorized user '' on the account file and refused to assist me. If I am not the authorized user, I can not legally be held liable for the debt. 

XXXX. Illegal Sale of Disputed Debt XX/XX/XXXX : I disputed this debt with the previous collector. They ceased collection because they could not validate the debt. 

XX/XX/XXXX : I spoke with a XXXX XXXX in the Creditors " XXXX XXXX XXXX XXXX '' who opened a new investigation into the phantom account. 

XX/XX/XXXX : Instead of resolving the investigation, the creditor sold this invalid, disputed debt to Jefferson Capital Systems. 

XXXX. Violation Transferring a debt to a new collector while it is under active investigation by the XXXX XXXX XXXX XXXX, and after it has been disputed for lack of validation, is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Relief Requested : I request that T-Mobile recall this debt from Jefferson Capital immediately , correct the accounting error regarding the phantom account, and permanently delete this trade line from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of fraud via impersonation while attempting to cancel my XXXX XXXX  membership. I searched online for XXXX cancellation instructions and was misdirected to a third-party phone number falsely representing XXXX XXXX  During the call, the individual convincingly impersonated an XXXX representative and requested my personal and debit card information under the pretense of completing the cancellation. 

Shortly after the call, an unauthorized charge of {$280.00} from XXXX posted to my Ally Bank account. I do not recognize this merchant, did not authorize this transaction, and did not receive any goods or services. My debit card remained in my possession at all times. 

I immediately contacted Ally Bank to report the fraud, opened a formal dispute, canceled the card, and secured my account. I also provided supporting documentation, including XXXX XXXX official cancellation policy confirming cancellations are handled directly through XXXX and not through third-party services, as well as evidence of a fraudulent search result advertising a fake XXXX cancellation phone number. 

Despite this evidence, Ally Bank has not appropriately resolved or reclassified this transaction as fraud via impersonation. I am requesting CFPB assistance to ensure Ally Bank conducts a proper fraud review and reimburses the unauthorized transaction.

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: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: MD

Complaint narrative:
My vehicle, a XXXX XXXX XXXX, was wrongfully repossessed on the morning of XX/XX/XXXX. The vehicle was placed in repo status on XX/XX/XXXX, and taken from in front of my residence without proper notice or documentation. 
Prior to the repossession and immediately afterward, Global Lending Services ( XXXX ) repeatedly stated in writing that it could not locate or verify my account and failed to produce any documentation showing creditor rights, assignment, or legal authority to repossess the vehicle, despite multiple written requests beginning on XX/XX/XXXX. Even after admitting that their vendor picked up the vehicle, XXXX still failed to provide any paperwork supporting the repossession. 
XXXX attempted to discuss reinstatement and payment options while refusing to address my formal dispute or provide the documentation I requested. The repossession was not properly logged with local law enforcement at the time the vehicle was taken, and I initially had to report the vehicle as stolen because neither the police nor GLS could confirm its location. 
Additionally, the originating dealership charged me a down payment in connection with this transaction, and there is confusion and dispute regarding who actually holds creditor rights to the contract. XXXX  has claimed it is the lienholder but has not demonstrated that it has lawful authority to repossess, while previously indicating that the dealership retained creditor rights. 
I have repeatedly requested written proof of legal authority to repossess, account verification, and documentation supporting the repossession, as well as immediate release of my vehicle without fees. These requests have been ignored or deflected. 
I am disputing the legality of the repossession and the handling of my account and am seeking regulatory review and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Lincoln Financial Services
State: OH

Complaint narrative:
I registered a complaint on XX/XX/year>. My complaint is XXXX and the Consumer Protection Bureau has not followed up. I need a current status update. My account was frauded and Lincoln Financial XXXX has ignored our repeated requests.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: A&D Mortgage LLC
State: TX

Complaint narrative:
This case has been discuss many times, my request is to have an independent audit to get an accurate account on the amount that is owe to me. 

A & D Mortgage wants it to appear or make it seem like they have put money back into my XXXX escrow account. This is an illusion for me I can not except without an independent audit that will state the facts.. 

I can add supporting documents later

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I met with Chase Bank about my restricted accounts. My personal and business accounts had been restricted after a fake loan company deposited money with fake checks which later bounced. I told XXXX I did not want my upcoming XXXX XXXX payment going into the account and being applied to debits created by the fraud as I needed the money to pay for rent and cars. The XXXX representative assured me that because the account was restricted no money could go into or out of the account. I changed my bank for deposits from XXXX XXXX over the phone that day. The following week I met with the local XXXX XXXX XXXX to request a critical payment as I hadnt seen the funds deposited or sent. They told me that my XXXX payment had been made into the XXXX account. I went back to XXXX and they said they stopped the payment from going through on XX/XX/XXXX, but XXXX XXXX  sent it back on XX/XX/XXXX and they put the deposit through this time. They told me to ask XXXX XXXXXXXX to take the funds back out of my XXXX account and deposit them into my new bank account. I called XXXX XXXX and they said they dont have the access to do that and for me to ask XXXX XXXX return the deposit to them so they could redirect it to my new bank. I met with XXXX once more and they said the money had already been applied to the debits created by the fraudulent checks and there was nothing they could do about it. They gave me several numbers to call with various XXXX fraud departments. After talking to XXXX of them the result was that I could not get my money back since it had already been applied to debits and that I couldnt file a claim to get my XXXX XXXX money back as there was no fraud involved. The fraud department said that money could be deposited into a restricted account although the banker had said otherwise. The money was blocked in the first deposit attempt, so that statement was untrue as well. I am still awaiting a response on the debits caused by the fake checks that XXXX put through without hesitation but would like to follow that up with this complaint as I dont believe they acted in good faith and misrepresented themselves and my situation. 
Thank you XXXX XXXX

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: 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: MS

Complaint narrative:
I disputed a {$100.00} charge for a paid seat selection on a Delta flight because I did not receive the seat I purchased. I provided American Express with documentation showing both the seat purchase receipt and the final boarding record assigning me to a different seat. 

Despite submitting detailed dispute letters and supporting documents multiple times, American Express did not address my evidence. Instead, across XXXX responses, American Express simply repeated Deltas generalized reference to its Conditions of Carriage. I repeatedly explained that those conditions are outside the scope of this dispute, which concerns a separately purchased seat selection fee, not the base fare or general seating policy. 

American Express did not acknowledge or respond to this distinction, nor did it address the documented fact that the seat I paid for was not provided. Their responses indicate that my dispute letters and evidence were not read or meaningfully reviewed. 

Delta has since agreed to accept the dispute, which further confirms that the issue was legitimate. However, American Express repeatedly denied my dispute without conducting a reasonable investigation or evaluating the evidence I submitted. 

I am filing this complaint because American Express failed to conduct an independent and reasonable investigation and relied on irrelevant boilerplate language instead of addressing the facts of my dispute.

Company response to consumer: Closed with monetary relief