vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX of XXXX I refinanced loan number XXXX with TRUIST bank. I used XXXX XXXX XXXX XXXX and a check was mailed for payoff. At the end of XX/XX/XXXX the check was returned to XXXX for not meeting the payoff. Come to find out XXXX has a payoff of only XXXX calendar days. So, I sent back a personal check for the balance and returned the check from XXXX to XXXX. They received my personal check on the XXXX of XX/XX/XXXX and it was cashed. It was in the same envelope as my personal check with all the required paperwork. This check is now unaccounted for. I have called the bank many times to resolve, escalated to management, ask their collections to stop harassing me multiple times a day, 7 days a week, I had a recorded call with XXXX and TRUIST to rectify and make notes to my account so this can stop accruing late fees and damaging my credit report. I have also been paying payments on the new loan with XXXX thinking everything is fine, at no time did I get any communication from Truist other than late payment calls no matter what I do or request. Now I have a threat to cure default after multiple attempts to refi and correct. I am 100 % XXXX and obviously cant have my car repossessed. I have XXXX XXXX  and never a late payment ever... Nothing happened, my payment not accepted or returned to XXXX. I was instructed to send all of this to their account validation department which I did, certified mail, showing received but I did not get my return receipt. Back with XXXX to resort this out, I had to cancel the existing loan and re-apply impacting not only my credit report, but my interest rate, and overall balance due to all the fees and penalties. Last week, I send XXXX overnight to their provided overnight address. I have proof and name of delivery and still am getting calls for default and nothing has posted to my account. This has to get rectified as there are many obvious consumer issues here, I do not know what to address first.. Please help.

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: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander repossessed my vehicle and verbally told me that I am not eligible for reinstatement, but they refuse to provide ANY written documentation, policy, or contract clause that supports this. I was not provided a reinstatement amount in writing even after I emailed a formal request. 

The repossession involved multiple agents surrounding me while I was seated inside the vehicle. They blocked the vehicle, hooked it up with me inside, and instructed me to exit the car. I verbally objected and did not voluntarily surrender the vehicle. I felt intimidated and coerced. I requested documentation of the repossession event, including the vendor report, but received no response.

I have funds ready to reinstate immediately. I am simply requesting : 1. Written reinstatement amount 2. Written confirmation of reinstatement eligibility or denial 3. Documentation of the repossession event 4. The policy/contract clause Santander is relying on Santander has not responded despite multiple attempts. I am asking for assistance in resolving this fairly so I can pay the reinstatement and recover my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I Made A Bank Transfer Of {$100000.00} From My XXXX Account On XX/XX/year>. The Transfer Was Completed. I Moved {$22000.00} Into My Savings Account And I Left {$86000.00} In My Checking Account. They Felt Like It Was A Fraudulent Transaction And Out My Funds On Hold. Ive Submitted Proof Almost Every Month To Show Proof Of My Transfer. Every Time I Submitted An Appeal With NEW PROOF They Are Automatically Rejected The Appeal Saying No New Information. I Submitted A New Appeal Last Month On XX/XX/year> With New Information And They Rejected That Appeal Once Again Saying No New Information. I Feel Like Someone Is Not Even Looking Into My Appeals And Are Trying To Keep My Funds From Me. Its Annoying And Its Not Making Any Sense As To Why My Funds Have Been Held For Almost A Year Now. I Just Want To Get My Funds So I Can Get My Life Back On Track. I Really Felt Like My Money Would Safe At Navy Federal And Apparently They Are Trying To Keep My Money Away From Me. I Would Like To Be Able To Withdraw My Money Or They Can Mail Me My Funds Back. I Just Need My Hard Earned Money Back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Starting at the end of XX/XX/year>, I realized when trying to transfer points on my Capital One account that there was an error that showed up with all airlines that are listed compatible on the website when I attempted to transfer miles. I believe this initially to just be a temporary glitch and did not reach out to capital one until XX/XX/XXXX to let them know that I had the inability to transfer any of my points to any other airlines through their platform. Since then I have had to call in multiple times a week for updates to which Im only told we are looking into it I have had to get a new credit card for my business so that I can actually have access to my reward points as I have a child who plays soccer internationally and we as a family require international plane tickets to be purchased regularly. I have already filed an ethics complaint on Capital One as Ive had to take a hit to my credit opening a new credit line that is completely unnecessary, and I have had to spend thousands of dollars on plane tickets that otherwise I would be able to transfer miles to airlines such as XXXX or XXXX XXXX where the tickets are a fraction of the cost utilizing miles. 

I have requested escalation in Capital One, to which I only reached a supervisor who says they can not do much except provide information as its being handled in the back office. 

At this point there does not appear to be any urgency with resolving this issue. It has been over six weeks since I filed the complaint with Capital One and there has been no progress whatsoever.

This specific credit card for my work is appealing because of the mileage accumulation and at this point, Im unable to utilize the rewards the way I have in the past or the way it is advertised.

Company response to consumer: Closed with non-monetary relief
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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year> TD Auto sold my vehicle. They stated they would send a check with my overpayment amount, in check form, within XXXX days as required by law. In XXXX I contacted them again and they said the check had been issued and should arrive within XXXX days and if not contact them again. Every week I have contacted them since XX/XX/XXXX in regards to this check that has still not been received. I have been given different dates about said check and different stories, mostly being told they are contacting their XXXX who is the only person who can contact the redemption department. Last week, the main person Ive been in contact with XXXX XXXX, lets me know that there is no XXXX they are with, they email them and wait for a response. I was told the week prior that I should hear from someone at the company by Tuesday of last week, which I did not. XXXX tells me that I should file a complaint with the company directly via email, which I do. Still have not heard back and have contacted them again in regards to this refund check and the way continue to say it could take another XXXX days to receive the funds. This is absurd. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am disputing an incomplete refund related to a returned purchase from XXXX XXXX that was charged to my Citi credit card. 

The total return amount was {$930.00}, which should have been refunded in full. However, I only received two refunds of {$310.00} each, for a total of {$620.00}. The remaining {$310.00} was never refunded to my credit card account. 

After unsuccessfully attempting to resolve this issue with the merchant ( XXXX XXXX ), I filed a dispute with Citi. In late XX/XX/XXXX, Citi issued a provisional credit of {$310.00} for the missing refund amount. 

However, in early XX/XX/XXXX, Citi reversed/removed the provisional credit without providing any evidence that the third refund of {$310.00} was ever completed or settled to my account. At no point have I received the missing {$310.00} refund, nor have I been provided with a transaction record, settlement confirmation, or refund trace number showing that the funds were returned. 

This dispute concerns a refund that was promised but never received, and the amount remains outstanding. I have attached the order details from the XXXX XXXX website, the return submission confirmation, and three return shipping labels, each corresponding to a refund amount of {$310.00} ( total {$930.00} ). Tracking records show that all three packages were delivered to XXXX XXXX return facility. 

Despite all three return packages being received by the merchant, I only received two refunds of {$310.00} each. The third refund of {$310.00} was never credited to my Citi credit card 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 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MI

Complaint narrative:
When I originally applied for IDR plan last year my payment was calculated at over {$1500.00} a month. My husband changed positions and was XXXX  XXXX 2 month and I was advised by mohela to reapply with information on the change of income. Since reapplying and providing all requested info my IDR plan has been rejected and they will not lower my payment. The first time they said " I didnt select a payment plan. '' This time they are saying I have parentplus loans ( I do not ) that do not qualify for IDR and that I need to make the $ XXXX payment before reapplying. I have tried calling and am not getting answers. {$1500.00} is more than my house mortgage and we currently only have 1 vehicle in the residence.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a PayPal dispute on XX/XX/year>, regarding a purchase of raw hair that was not as described. The item received was of low grade and did not match the description provided by the seller. 

Although I returned the item and paid for the return shipping, and a refund was granted, the dispute process was unnecessarily prolonged. The item was also marked undeliverable multiple times ( over XXXX times ), causing significant delays. 

Despite these complications, PayPal continued to push back the resolution date without a clear explanation or alternative resolution. 

Under PayPal Buyer Protection, I should not be held responsible for a transaction that was mishandled and delayed. I am requesting a manual review of this dispute and a full refund for the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX, I disputed a {$390.00} charge from XXXX XXXX XXXX which posted to my CitiBank credit card in XX/XX/XXXX. This card is white-label branded as BestBuy Visa . 
- the {$390.00} was for a financial plan that XXXX Advisors were to provide - In late XX/XX/XXXX, I contacted the XXXX  rep to ask if the plan is near completion - The XXXX  rep advised should be complete by mid XX/XX/XXXX - In late XX/XX/XXXX, after not receiving it, I advised the rep to cancel the order - The rep responded to confirm he would not deliver and should cancel - The rep then advised he would issue a refund - The refund did not occur so in XX/XX/XXXX, I disputed the original charge ( attached letter ) - Through the Best Buy Visa website, Citibank proceeded to request information from me beginning on XX/XX/XXXX ( attached letter ) - Through the Best Buy Visa website, I twice submitted a statement on the issue ( attached ) - Through the Best Buy Visa website, I uploaded email proof to my claim ( attached ) - On XX/XX/XXXX, I received a letter from Citibank/BestBuyVisa stating they could not verify that I had a billing error. ( attached ) - On XX/XX/XXXX, I called customer service to advise that the dispute was not for a billing error, but instead a service that was not delivered - The customer service rep advised that he is not able to see all the documents pertaining to my claim, so I advised that I would not waste either of our time... as I have uploaded information twice, but evidently, it's either not retrievable, not reviewed, or the team is too overwhelmed to handle even the most clear-cut case of a dispute. 
- I advised the customer service rep that I would refer the issue to a more capable organization, the CFPB - Attached are the letters from CitiBank/BestBuyVisa and my responses to those letters outlining the issue and providing email proof/confirmation of undelivered service

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and legality of the following account currently appearing on my consumer credit report : Creditor : Midland Credit Management Original Creditor : Credit One Bank, N.A. 
Account Number : XXXX Reported Balance : {$710.00} This account is unverified and disputed. The furnisher has failed to provide proper validation as required under 15 U.S.C. 1692g, including failure to provide documentation evidencing lawful ownership of the debt or a properly issued IRS Form 1099-C, which would indicate cancellation or discharge of the alleged obligation.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are prohibited from reporting information that can not be verified as accurate. Continued reporting of this account constitutes inaccurate and misleading credit information. 

I hereby request that this account be deleted immediately from my credit file and that written confirmation of deletion be provided. 

This dispute is submitted without admission of liability and with full reservation of all rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union placed a XXXX-business-day hold on {$300.00} of a {$570.00} payroll check that I deposited via mobile deposit. 

This check is a verified payroll check from my employer. My employer has already confirmed the legitimacy of the check and availability of funds directly to Navy Federal. 

Despite this verification, the hold remains in place. I reside in XXXX, North Carolina, which is currently under a state of emergency due to a snowstorm. Road conditions are hazardous, and travel is limited. 

Access to these payroll funds is necessary for essential living expenses during this emergency, and I am unable to reasonably access alternative banking options in person due to weather and safety conditions. 

I am requesting a review of the hold and early release of the remaining funds, or a clear written explanation of why the hold is necessary after employer verification, particularly given the current emergency conditions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover Financial Services is furnishing inaccurate late payment information to XXXX  in violation of the Fair Credit Reporting Act. 

Discover is reporting 30-day late payments for XX/XX/XXXX and XX/XX/XXXX despite timely payments being made before any lawful 30-day delinquency threshold. 

For XX/XX/XXXX, a {$300.00} payment was made and posted on XX/XX/XXXX, prior to the account reaching 30 days past due. 
For XX/XX/XXXX, a payment was submitted on XX/XX/XXXX. Any reported delinquency appears to be the result of payment allocation or processing delay, which may not be treated as a late payment under 15 U.S.C. 1666b. 

XXXX  completed a reinvestigation on XX/XX/XXXX and continued reporting the late payments based solely on Discovers furnishing, without correction. 

By continuing to furnish inaccurate delinquency information after notice and dispute, Discover has violated its duties under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and to report accurate information.

I am requesting that Discover : 1. Correct or delete the inaccurately reported late payments 2. Update all credit bureaus accordingly 3. Provide written confirmation of the correction

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: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I am submitting this complaint regarding my banks handling of an unauthorized debit card transaction dispute and the resulting restriction of my primary checking account. 
I first reported unauthorized debit card transactions on XX/XX/year>. The transactions totaled approximately {$12000.00} and were associated with merchants labeled XXXX, XXXX XXXX, and XXXX XXXX XXXX. I did not authorize these transactions. 
There was an initial issue related to an incorrect police report reference number provided during the dispute process. This was corrected within 24 hours, and I have continued to cooperate fully with the investigation. The dispute has not been finally denied, and the investigation remains ongoing. 
Despite this, no provisional credit has been issued. More than 10 business days have passed since my initial report, and the bank has stated that provisional credit will not be processed until I receive and return an affidavit. However, I have not received the affidavit, despite repeated follow-up. I am willing to sign and return any required documentation immediately upon receipt, but the delay is outside of my control. 
Additionally, the bank has closed my checking account and restricted access to my remaining funds, even though this is my primary account. This has caused significant financial hardship, including difficulty paying rent. The bank has advised that I must either travel approximately XXXX miles to a branch location or wait for a check to be mailed in order to access my funds, which has resulted in further delay. 
I am requesting CFPB assistance to review whether the bank has complied with Regulation E requirements, including timely provisional credit, reasonable investigation procedures, and providing access to my remaining funds without unreasonable delay. I am also requesting assistance in ensuring that required documentation is provided to me promptly so the investigation can proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
For several months now I have tried contacting Affirm.com in accessing an old account that was under my previous name. I have tried the identity verification but always fails probably because the name changes I have had in the past. 

I am asking for Affirm to update the name, contact information including address, email, phone number so I may request a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding a XXXX payment fraud handled by Wells Fargo. I was the victim of a fraudulent seller who used deception and misrepresentation to induce payment. The seller presented themselves as a legitimate seller, promised delivery of goods, and disappeared immediately after receiving funds. No goods or services were ever provided. 
The transaction was authorized under false pretenses and constitutes fraud by deception. This was not buyers remorse or a simple dispute ; it was a deliberate scam using a false identity. 
Despite promptly reporting the fraud to Wells Fargo, my claim was treated as an authorized transaction without adequate consideration of the deceptive nature of the scam or the sellers fraudulent behavior. 
Amount lost : {$3000.00} Payment method : XXXX Date of transaction : XX/XX/year>

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