vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Spring Oaks Capital LLC is harassing me with calls and texts. They have illegally obtained my information and placed me into collections without sending validation of debt. Spring Oaks Capital is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to Spring Oaks Capital LLC so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. This does not comply with disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. Spring Oaks Capital LLC has no legal right or obligations to me and has illegally placed me in collections without providing original validation of debt and other instruments. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information without my permission. I hereby request cease and desist. As stated before this is illegal. Spring Oaks Capital LLC needs to provide me with copies of all documentation associated with the account and bearing either a court order to place this information on my credit report or my authorization of release bearing my original signature. To be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: GA

Complaint narrative:
On XX/XX/year> Tesla shut my vehicle off at XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, GA XXXX in XXXX XXXX. 
I had a monthly payment due for {$1200.00} on XX/XX/XXXX and a late fee of {$150.00}. 
I have a grace period of XXXX days for my regular payment thats due which gives me till pay it by XX/XX/XXXX. 
They put my XXXX in a repossession status only for the late fee of {$150.00}. 
After reaching out for hours to Tesla luckily I spoke with a salesman who spoke with XXXX XXXX. 
XXXX XXXX XXXX XXXX 
She said I must immediately pay by wire {$1500.00} that evening to have access my vehicle, I stated that I needed the vehicle to get to the bank to deposit money. 
She refused and metaphorically XXXX XXXX XXXX XXXX XXXX XXXX forcing me to dip into my crypto assets sell. 
Then, I had to sell for cash then send to my bank. 
Finally a wire sent out that processed XX/XX/year>. 
I have screenshots of all the emails and sales of my crypto assets. 
I incurred multiple fees because of this and a loss of longterm grow of my crypto assets. 
Most importantly Tesla left me desolate and I couldnt leave to pick up fianc and my dog.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Yes, I called up to capital one XX/XX/25 to ask them why the inconsistency with when they would release my direct deposit to me. I informed them that I had previously been getting my direct deposit at a different bank and they were always consistent with when I would receive my deposits. So I found that it was odd that there was such inconsistency with the way Capital One would release my deposits. I then spoke to a manager who informed me that it may be because its gon na be a new year and so thats why the funds havent been released, but then he went on to tell me that I can receive direct deposits through ACH on a federal holiday. Which that is actually not true because the federal reserve is closed on the federal holiday and thats what ACH needs to be open in order to submit the payments. they tell me that they release the deposits into my account as soon as they receive them, but Ive received a direct deposit on a Saturday and I guarantee you Im about to receive a direct deposit on a federal holiday tomorrow and I know for certain that they didnt receive notification of or any deposit of funds from the ach on either Saturday or a federal holiday. So why are they lying and being inconsistent with when they release my deposits?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
ACH transfer rejected and funds held by banks payment processor with no release date. 
What happened : On XX/XX/year>, I initiated an ACH transfer of {$8000.00} from my XXXX XXXX savings account to my Santander checking account. XXXX XXXX confirmed the transfer was successfully sent and provided email confirmation. 
The following day, Santander notified me that the transfer could not be completed and would be returned to XXXX XXXX. However, as of today, the funds have not been returned. 
When I visited a Santander branch, I was informed that the funds are being held by XXXX, Santanders payment processor, and that it could take up to 30 days to be released. Santander provided no written notice, no tracking number, and no definitive return date, and advised me to file a claim with XXXX XXXX instead. 
XXXX XXXX has confirmed that the funds were sent properly and that the transfer was rejected by Santander. Despite this, Santander has not completed the ACH return and my funds remain unavailable.

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 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
On XX/XX/year>, I received a notice of default and immediately applied for a mortgage modification. I am the confirmed successor in interest : the property passed to me by operation of law through joint tencancy after my father 's death. The servicer denied my modification, stating the loan had already been modified the maximum number of times. I have only had one prior modification, it was Covid-era relief and should not count as a permanent modification. The denial did not include notice of appeal rights or instructions on how to appeal, in violation of 12 CFR SS1024.41. I have requested information and clarification from the servicer but have not received the documentation supporting the denial, including proof of maximum modifications, investor restrictions, or my status as a successor in interest. I am acting in good faith to resolve this matter and retain my home. I respectfully request that CFPB review this complaint, ensures servicer corrects any errors, provides full documentation and appeal rights and evaluates my application under all available loss mitigation options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Messerli & Kramer P.A.
State: SD

Complaint narrative:
The collection agency is Messerli & Kramer, XXXX XXXX XXXX, XXXX XXXX, XXXX Mn, XXXX. 
I received a summons in XXXX to which I responded to in writing as requested in the paperwork to offer a solution to paying off the debt. I got no response from the agency and they moved ahead with the lawsuit. I pled my case in the court hearing and they said it was because I addressed the letter to them instead of to XXXX XXXX ( XXXX XXXX says they should have to part in the process once it is handed off to the agency ). The judge ruled in their favor and let the place a judgement against me. I received the judgement paperwork and it did not give any details. I again contacted them stating I received the paperwork but it still didn't tell me who or how to pay and I still wanted you work with them to settle. I again got no response. I contacted them a few more times with no response. I also contacted the court through which the suit was filed stating I have been trying to settle the debt and work with the agency and they said they could not help me and offered to me that is continue to email the agency and hopefully they would respond. I still have not gotten any response and they now have filed to garnish my wages. 
I contacted XXXX XXXX and explained the situation and they were launching their own dispute/ investigation on the account. To this point I still have not gotten any response from the agency or XXXX XXXX. 
I have copies of the letters and emails sent. 
The court hearing was recorded and I assume can be accessed if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Subject : PNC Mortgage Refusing to Provide Payment History for PaidInFull Mortgage What happened : I had a mortgage with PNC Bank, loan number XXXX. The mortgage was fully paid in XXXX. I have repeatedly requested my complete mortgage payment history and transaction records from PNC for my personal records. 

PNC has refused to provide the payment history, stating that because the mortgage was not reaffirmed during my bankruptcy, they can not give me any account information. This is incorrect. The bankruptcy discharged my personal liability, but it does not prevent PNC from providing account records for a loan that I paid in full. I send them 2 letters dated XX/XX/XXXX and XX/XX/XXXX and no results. 

I am not asking PNC to collect a debt, modify a loan, reopen the account, or report anything to credit bureaus. I am only requesting my own payment history, which I am entitled to receive. 

What I want : I want PNC Mortgage to provide : The full payment history from origination to payoff All escrow activity records The final payoff statement This is a simple request for account information for a paidinfull loan, and PNCs refusal is preventing me from maintaining accurate financial records. 

Impact : PNCs refusal has caused unnecessary delays and has prevented me from documenting my mortgage payment history for future financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OK

Complaint narrative:
I had my fiance deposit some money onto his card to send to me, which was {$210.00}, then he sent it to me so i could deposit it to my bank card which i did, a day later cashapp decides to close my cashapp account cs they suspected Suspicious fraud activity which was NEVER THE CASE. Any other fucking time i get money on my cashapp theres no problem but {$210.00} is where yall draw the line? Tf There was nothing suspicious or wrong about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing this complaint regarding the closure of my account with Fulton Bank based on alleged activity that did not occur by me. Fulton Bank closed my account due to transactions they attributed to me ; however, I was not responsible for this activity. This is my second attempt to resolve this matter and to have my name cleared so I can be removed from XXXX and any other negative banking reports associated with this account. Fulton Bank owns and controls the ATM surveillance footage related to the transaction in question. I have requested that this evidence be thoroughly reviewed, as I am not visible on the ATM camera, and the individual shown is not me. This directly contradicts the accusation being made against me. I am a confirmed victim of identity theft. My personal information was compromised and used fraudulently without my knowledge or consent. I have filed a police report, DC Number : XXXX, regarding this matter, and there is an active case against the individual responsible. Despite this, Fulton Bank has failed to properly correct the record. I do not like that I am being wrongly accused of activity that was not done by me, and this situation is damaging my reputation with other financial institutions. Continued negative reporting places an unfair and lasting mark on my banking history for a crime I did not commit. If Fulton Bank chooses not to reopen my account, I understand and accept that decision. However, I am formally requesting that : 1.The evidence be thoroughly reviewed 2.I be provided with copies of all documentation related to this investigation 3.I receive a copy of the ATM surveillance footage tied to the disputed transaction 4.All inaccurate reporting be removed from XXXX  and any other consumer reporting agencies If this matter is not resolved and the evidence is not properly reviewed, I will pursue legal action against Fulton Bank for being wrongly accused and for the ongoing financial harm caused by this situation. I am requesting immediate corrective action to ensure my record accurately reflects that this account closure resulted from fraud and identity theft, not misconduct on my part.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: ID

Complaint narrative:
I deposited a check on XX/XX/XXXX and they have not made any portion available. It has been 4 business days today is XX/XX/XXXX. It appears that they will make me wait another 4 before making funds available on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> Harris & Harris , Ltd . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Re : Account No. XXXX Alleged XXXX Debt To Whom It May Concern, This letter serves as formal notice that I dispute the above-referenced debt in its entirety. The alleged account is fraudulent, was not incurred by me, and is not the result of any authorization, agreement, or benefit received by me. 

Further, based on my credit report, this alleged debt was purchased, and Harris & Harris , Ltd. is not the original creditor. As such, you are required to provide strict proof of legal ownership and validation of the alleged debt. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and 1692g, I hereby demand that you CEASE AND DESIST from all communication with me regarding this matter, including but not limited to phone calls, letters, emails, and any further reporting to consumer reporting agencies, unless and until you provide proper validation. 
Required Validation Includes ( but is not limited to ) : 1. Proof of your legal right to collect, including a complete chain of title from the original creditor to your company.

2. A copy of any alleged contract or application bearing my signature or other verifiable authorization.

3. A detailed accounting of the alleged balance.

4. Documentation showing the date of first delinquency with the original creditor. 

Until such validation is provided, any continued collection activity or credit reporting constitutes a violation of federal law. If you can not validate this account, you are required to immediately delete any and all reporting of this account from all consumer reporting agencies.

Please be advised that I am maintaining records of this notice. Any failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Michigan Attorney General, and any other appropriate regulatory authority. 

This letter is sent without admission of liability and with full reservation of all rights. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Prior to the COVID-19 payment pause, my federal student loan was serviced by XXXX XXXX XXXX and I maintained a flawless, on-time payment history using automatic payments. 

During the COVID-19 forbearance period, servicing of the loan was transferred from XXXX to Nelnet. A transfer notice was mailed to a prior address and was not acted upon. I was unaware that resuming payments required creating a new Nelnet online account and re-authorizing automatic payments. Because payments had always resumed automatically following prior administrative pauses, I reasonably believed the same would occur here. 

I became aware of the issue only after receiving a credit monitoring alert via email on XX/XX/XXXX around XXXX indicating negative remarks being added to my credit file and a significant score drop. I subsequently contacted Nelnet and discovered I had missed several months of payments. On that same day within the hour, I immediately made a payment of {$700.00} to bring my account current and up-to-date. The following morning on XX/XX/XXXX around XXXX, I paid the remaining loan balance of {$5000.00} in full, eliminating any outstanding balance and preventing any further delinquency. Nelnet incurred no financial loss. ( See attached Exhibit 4 for proof of action ) I subsequently contacted Nelnet on two occasionsXXXX ( See attached Exhibit 3 ) and XX/XX/XXXX ( See attached Exhibit 1 ), requesting discretionary goodwill or administrative consideration related to the servicer transfer and autopay disruption. In both cases, I explicitly acknowledged that the reported information may be technically accurate and clarified that I was not submitting a credit dispute. 

Despite this, Nelnet responded with boilerplate language stating that the information was accurate and that no adjustment was required, without addressing the servicer transition, autopay interruption, same-day payoff, or the request for discretionary review ( See attached Exhibit 2 ). My concern is that Nelnet routed goodwill requests through a dispute framework and declined to meaningfully consider or document discretionary relief in a COVID-era servicer transfer scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have a {$0.00} balance, no pending transactions, no active subscriptions, no linked cards or bank accounts, and Direct Deposit is disabled. 

Despite meeting all requirements, PayPals system will not allow me to close my account. I have attempted to close it multiple times over several days. 

Customer support has confirmed they are unable to escalate the issue or manually close the account. 

I am requesting that PayPal manually close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/XXXX - I applied for a Citi Advantage XXXX XXXX. It offered XXXX miles with purchase within XXXX months. My XXXX months should have ended XX/XX/XXXX. 

I received a letter in the mail stating that my credit was locked and that I needed to unlock it. Between XX/XX/XXXX and XX/XX/XXXX I called the number on the letter. 

XX/XX/XXXX - I received an email that I was approved for {$3500.00}. 

XX/XX/XXXX - I received an email that the card would be on the way. 

XX/XX/XXXX XXXX - I inquired why the online counter of months and miles was different from the agreement. I did not get a sufficient answer. The rep tried to tell me my application was outside the date of the XXXX mile offer. 

XX/XX/XXXX - I got XXXX miles added to my account not the XXXX after making {$3500.00} in purchases. 

XXXX - They reduced my limit to {$2000.00}

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 monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have used Paypal for over 20 years with no issues other than a dispute for being scammed once. I use it weekly with my business and for personal use. I have almost {$4000.00} in the account because I use it on a rolling basis. Yesterday, I was sent an email saying my account was permanently deactivated and that I could not access my money for 120 days. This is money I was saving for my family trip in XXXX. I have done nothing illegal-only used the account to pay friends for things, businesses with the debit card, pay in 4 transactions, purchasing shipping labels, and sometimes purchases on XXXX or online websites. I have never been given a warning-because I do not do anything that would prompt one. It was closed without any kind of reasoning and they are holding my funds with no explanation. I tried to call and they told me they do not have access to that information and that it is the internal account. I have had this account in good standing for 20 years!

Company response to consumer: Closed with explanation