vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My daughter and I went to a XXXX XXXX in XXXX Florida. She was trading in her vehicle I was looking at purchasing one. my credit was run as well as my husbands he was going to co sign. Hours later I was approached by the sale man who suggested asking my daughter to cosign as she had the credit to boost me up enough to purchase a XXXX XXXX I asked dhow if she's trading in her car and purchasing a new one all in one day? he says they're going to push her new lease through then immediately follow with mine. She reluctantly agreed. But was a verbal agreement she was the co signer and I was the primary account holder. We trusted the dealership and signed papers and we were on our way with 2 brand new cars. 


I had problems logging into my payment account. Payments fell behind due to no fault of my own and the car is now repossessed. I went to go retrieve items today from my vehicle and was told I could not do so. When I asked why the repo company told me I was not the primary account holder. 

My daughter and I did not agree to this change that was somehow made at the dealership. We were lied to and after sitting for 7 hours we were in a rush to get out of there.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I was contacted by Lockhouse Morris / Lockhart Morris regarding an alleged balance of {$2500.00}. They claim I owe this amount for attending a trucking-related job or program. 

I never signed a contract, never agreed to any payment obligation, and never authorized any charges related to this alleged debt. I requested proof of the debt, including a signed contract or agreement. 

In response, the company produced a document that they claim contains my signature. That signature is not mine and appears to be forged. I did not sign the document, either physically or electronically, nor did I authorize anyone to sign on my behalf. 

I formally disputed the debt in writing and requested validation. Despite this dispute, the company continues to assert that the debt is valid without providing legitimate proof that I agreed to the charges. 

This appears to be an attempt to collect a debt without a valid contract and based on fraudulent documentation. I am requesting that this matter be investigated, that the company cease all collection activity, and that the alleged debt be considered invalid due to lack of authorization and suspected forgery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
Company : Pro Collect Original Creditor : XXXX/ XXXX XXXX XXXX  ( XXXX  XXXX, VA ) Account Date : XX/XX/XXXX Complaint Category : Attempts to collect debt not owed Complaint Description : I am submitting this complaint regarding Pro Collects attempt to collect a disputed rental debt related to my former tenancy at XXXX  XXXX XXXX  in XXXX  XXXX, Virginia, owned and managed by XXXX. 

According to Pro Collect, the alleged debt is dated XX/XX/XXXX and consists of charges totaling {$5500.00}, which include all fees listed in attached pdf. 

I dispute this debt in its entirety. 

I vacated the apartment due to a severe and ongoing XXXX  XXXX  that was reported to management and not remedied. The infestation rendered the unit uninhabitable and adversely affected my wifes health due to a documented XXXX. This constitutes constructive eviction under Virginia law. 

On XX/XX/XXXX, I submitted a written dispute to Pro Collect and requested full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including documentation showing habitability and remediation of the infestation. 

Pro Collect responded by providing documents that : Do not include any pest control records, remediation invoices, inspection reports, or proof that the infestation was corrected List an incorrect and inconsistent reason for my move-out, which contradicts the actual reason and misrepresents the basis of the alleged debt The documents provided do not validate the debt, do not address habitability, and do not refute constructive eviction. Despite this, Pro Collect continues to attempt to collect the debt.

I believe Pro Collect is attempting to collect a debt that is not owed and is relying on inaccurate and incomplete information. I am requesting CFPB assistance to require proper validation, cessation of collection activity, and correction or removal of any credit reporting associated with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally complain about an unresolved ATM withdrawal issue that occurred on XX/XX/XXXX at the XXXX on XXXX XXXX in XXXX XXXX. 

On that date, I attempted to withdraw {$400.00} cash from the ATM located inside the store. The machine indicated that the transaction was completed and that the funds were successfully dispensed, and the amount was immediately withdrawn from my bank account. However, the compartment where the cash is released remained stuck shut, and I never received the money. 

A store employee assisted me and contacted the phone number listed on the ATM. We were informed that a service technician could not be dispatched until the following day. I then contacted my bank while still in the store and was advised to file a dispute, which I did promptly. 

I have already submitted all receipts related to the transaction, as well as all case numbers provided by both the ATM company and my bank at the time the dispute was filed. Despite providing this documentation and following all required procedures, it has now been over a week with no resolution. 

I have repeatedly contacted both parties. The ATM company continues to direct me to my bank, while my bank states they are waiting on a response from the ATM operator. At this point, no one has been able to provide me with an update, explanation, or timeline for when my missing funds will be returned. 

Because of this delay, my bills are now late, and this situation has caused unnecessary financial strain and XXXX. This ongoing lack of communication and accountability has been extremely frustrating and unacceptable. 

I am requesting that this matter be resolved immediately, or that I be provided with a clear status update and a definite timeline for reimbursement. I expect prompt resolution and proper follow-up regarding this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal and XXXX  both stated they received a court order which restricts and freezes my account. Money ( {$79.00} ) has been frozen in my PayPal account since XX/XX/year>. The only " court order '' listed is a UCC-1 Lien processed by XXXX XXXX XXXX XXXX 

I am challenging the lien placed by XXXX as well as their predatory contract in separate complaints, but PayPal and XXXX  have not provided any relevant court order showing a judgment, garnishment or really anything. I have likewise not received any notice whatsoever from any court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX i woke up to get ready for work and noticed money being taken out of my XXXX  account.by the time i unlinked my card they already took XXXX dollars from my account. XXXX denied my claim and Im also currently trying to get my money back from Cash App as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing regarding a promotional offer associated with the Chase XXXX personal credit card. 

I applied for the card under explicit promotional terms offering XXXX matching bonus nights for each qualifying night stayed with XXXX through XX/XX/year>. I confirmed these terms at the time of application and approval. Despite meeting the stated conditions, the bonus nights were denied. 

I subsequently opened a case with Chases Executive Office, which denied the claim without providing substantive explanation or documentation. I then opened a case with XXXX, whose team escalated the matter directly to Chase. XXXX later confirmed to me that Chase validated the offer and its applicability. However, Chases Executive Office has declined to acknowledge this confirmation, even when provided with XXXX Chase case number. 

Additionally, Chases Executive Office has refused to participate in a three-way call with XXXX to resolve the discrepancy and has declined to communicate via email, despite my repeated requests and my ability to provide complete documentation in writing. Communication has been limited to brief voicemail messages without meaningful follow-up. 

This filing represents my final attempt to resolve the matter through normal dispute channels. If the issue can not be resolved promptly and in accordance with the original promotional terms, I will proceed with formal legal remedies. 

I appreciate your timely attention to this matter. 



Offer Terms detailed here - XXXX XXXX XXXX XXXX XXXX XXXX : text=New % 20applicants % 20can % 20earn % 20up, to % 20qualify % 20for % 20Explorist % 20status

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2026 I received {$4000.00} on my XXXX  account. Within an hour they froze my account with {$1700.00} left in it. I have been trying for a week to get them to fix it. You can only get ahold of them by email and they never respond. I have called numerous times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOLEDO FINANCE CORPORATION
State: MN

Complaint narrative:
During my separation with my now ex-husband, his girlfriend and him opened up multiple accounts using my information including Toledo finance. I was not aware and didnt benefit in any way from this account. I did file a police report but since it was a civil matter because we were still married I had to take it to court. Upon our divorce, the judge put in the decree that it was my ex husbands responsibility and I was not liable for it.

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: CO

Complaint narrative:
I want to explain how I was scammed by a company called XXXX XXXX. They presented themselves as a tax relief company promising to help resolve my tax debt. However, instead of providing the services they claimed, they got me locked into a loan payment of {$370.00} a month. 

I was led to believe this payment would go toward resolving my tax issues with the IRS, but XXXX XXXX  did not complete the promised services on their end. Despite making payments, I received no real progress or resolution on my case. 

The company misrepresented what the loan was for and how it would be used, and they ultimately failed to fulfill their obligations. I feel taken advantage of and left in a worse financial situation than before. 

Im seeking assistance in holding XXXX XXXX accountable for their deceptive business practices and recovering the money I lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I looked on XXXXXXXX XXXX XXXX records yesterday and found a service for bank attachment. I never signed any certified letter concerning this and it's linked to a XXXX XXXX  witch appears to be a credit card thing? I have not had a credit card in over XXXX  years. I have XXXX email accounts and this bank does not come up in any searches nor does this debt collection attorney listed in case. I am worried and puzzled by this because I already had an instance where an individual used my address to get welfare benefits and was intercepting the mail till one day I got a hold of his name my address to get welfare benefits where I called and turned him in. My residence has XXXX mailboxes XXXX XXXX XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
My paycheck was {$980.00}, last week. I used mobile deposit on Thursday XX/XX/XXXX. How is it okay to hold my check XXXX extra days? 
I am experience financial hardship and will lose my job because I can not get to work with no money available!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
their website is trash their phone is trash no one is helpful, barking dogs, no one there, they hangup or are totally useless the website stops responding the chat support are XXXX nothing can be fixed with these 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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
National Credit Management has obtained my personal information in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates the right to collect on a promissory note that is proven a debt is owed. Under 18 USC 8 Obligation or other security of the United States that is owed by my social security identification number. This company has been using my social security number to collect on this debt twice, the balancing of the books on both private and public side has never been provided and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act,. I have not received the full accounting on this account which is unfair practices 15 USC 1692f. Please delete this account from your records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
United Wholesale Mortgage LLC was our previous loan holder since we purchased the house XX/XX/XXXX, they recently sold the loan to XXXX and our payments to them started this past XXXX, now that it is XXXX and XXXX taxes are due we come to find out that United Wholesale Mortgage LLC never paid the XXXX taxes and now XXXX is asking for it to be paid by us, which raised our mortgage payment. We called United Wholesale Mortgage LLC and spoke with XXXX, and she was saying that since our loan was sold that our account has been purged from their system and that they are now a 3rd party and can not help us. Well they accepted XXXX  years worth of our escrow, XXXX, through our payments, to pay the taxes and only paid XXXX taxes. They were responsible to pay XXXX taxes since we made all of our payments including escrow for taxes and insurance to them. The taxes should have been made current before they sold the mortgage loan. We should not have to pay them, our taxes should be current and not delinquent, which they are and XXXX is now forcing us to pay XXXX taxes. We were never late on payments, made our full payments, principle/interest and escrow for taxes and insurance. Insurance was paid but taxes for XXXX were not and should have bee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Capital Accounts, LLC
State: NJ

Complaint narrative:
I found out i that someone is using my debit card even after I activated a new debit card .. Capital claims somone else phone had access to my account i cant even see this in my logins nor i got any alerts another phone was added to my account .. I requested to close my checking cause of this .. My credit fraud group claims no other phone number is on the account and that i did this made a fraud payment of XXXX and XXXX and called in to tell them.. Doesn this make send the rep is XXXX id XXXX I want either the account to be opened for my CC or a payment agreement to pay the balance .. note no other fraud charges or charges to my credit cards no any other banks at all that are on my phone

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
I received the following text on XX/XX/year> regarding a debt that is not mine. I have never been a customer of XXXX XXXX XXXX XXXX  and never had a credit card from XXXX. I checked my credit report and did not find anything that resembles what was stated in the text. I have ignored the text. 

This text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. acct disclosure : XXXX XXXX XXXX License Number XXXX SO Ref XXXX XXXXXXXX Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have been working with New Rez mortgage company since XXXX. Currently none of my additional principal payments have been applied to deduct the interest rates to reflect a proper payoff balance. 
Their website does include payment history which reflects the numerous years of additional principal payments. But they are not applying it to reflect the decrease in interest by making biweekly payments along with monthly additional principal payments. 
I have called for at least XXXX XXXX, I have written, I have escalated. I simply want to know what my true payoff balances with the interest rates deducted based on all of the additional principal payments. 
The payoff amount that they sent me only reflects my payments. This means the company is still charging me the full interest rate which is fraudulent they are not due the full interest rate as I am making additional payments. 
In XXXX {$190.00} principle was paid in addition to the monthly payment, this additional payment was paid for the following XXXX years, through XX/XX/XXXX of XXXX. As of XX/XX/XXXX of XXXX the principal payment increased to {$240.00} that was paid through XX/XX/XXXX of XXXX at that time the principal payment increased to {$260.00}. As of XX/XX/XXXX of XXXX, I made an additional {$300.00} principal payment on XX/XX/XXXX. I made a {$400.00} additional principal payment on XX/XX/XXXX I made an additional {$400.00} principal payment XX/XX/XXXX I made an additional {$400.00} principal payment. 

None of these principal payments has decreased the interest rate to reflect a proper payoff rate. My goal is to continue to pay approximately {$700.00} additional a month to get this loan paid off. 

They send me the payoff letter that I request along with the amortization schedule but none of it is reflected properly to decrease the interest rate. 

I have lost count how many times I have called the individual on the phone understands my request but when I get the paperwork it is incorrect. 

Please assist with having this loan calculated properly this company is horrendous they are stealing.

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