vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Hello, My mortgage was transferred from Shellpoint to XXXX effective XX/XX/XXXX. Shellpoint sent my XXXX payment to XXXX  on XX/XX/XXXX in the amount of {$2300.00}. It was received and posted to my account with no issues. Shellpoint sent my XXXX payment to XXXXXXXX  on XX/XX/XXXX via bulk wire transfer in the amount of {$8500.00}. According to XXXX  Shellpoint failed to provide allocation details including Borrower 's Name, Account #, Payment Amount etc. XXXX advised that they reached out to Shellpoint numerous times but did not receive a response. Therefore, they returned the funds to Shellpoint on XX/XX/XXXX. Shellpoint has requested XXXX to provide proof the funds were returned including the wire reference number so that they could reopen a task for further research. Nearly a month has passed and they have failed to do so. Now, my credit has been negatively impacted. I have spent numerous hours on the phone with both servicers. When I call or receive a scheduled follow-up call, there is no new information to be provided. This leads to another follow-up call being schedule for days, sometimes a week, later and the cycle continues. This is essentially out of my hands and is an issue that the XXXX servicers need to work together to resolve. I would like to add that I work for a large, well respected mortgage firm and I am very familiar with the acquiring/selling of mortgages and I know that this is NOT how things should be handled. It should not take weeks to initiate a wire trace or provide a reference number. This is negligent. I have filed a complaint with the XXXX  and my State 's Attorney Generals office as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I called Wells Fargo on XX/XX/XXXX XXXXXXXX XXXX and was told I had no pending transactions and if that I could use my balance they agreed and told me yes I do not have no pending charges and that I could use my available balance of XXXX $ Based on that, I spent the funds. The next day, a charge posted and overdrew my account by {$150.00}. I relied on the information your representative gave me. My mobile app did not display any pending transactions at the time, and I was not warned that using the funds would overdraw my account. Wells Fargo later acknowledged the transaction was pending but posted late after a holiday the second day I called even tho I called on the holiday to ask if I had pending charges and they explained how everything works when I should have been told that information from the start when I first called on the XXXX I relied on the information provided by Wells Fargo when using the funds. I am requesting balance adjustment due to incorrect or incomplete information.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding XXXX, XXXX, or XXXX  continued reporting of a public record XXXX that has reached or exceeded the maximum reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 

The account was originally reported on XX/XX/year>. Under FCRA Section XXXX ( a ), adverse information may not be reported for more than XXXX ( XXXX ) years from the date of first delinquency or the date the account became reportable. 

As of now, this tradeline is approaching or has exceeded the allowable reporting timeframe and should be removed as obsolete. XXXX  has continued to report this item without providing sufficient verification or documentation supporting continued reporting. 

Continued reporting of obsolete information is inaccurate, misleading, and harmful to my credit profile. I am requesting that XX/XX/XXXXimmediately delete this public record from my credit file and provide written confirmation of the deletion. 

I have attached documentation showing the original reporting date and current reporting status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: OK

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX and Volkswagen XXXX XXXX XXXX refusal to provide reasonable written communication channels for account servicing and dispute documentation, and their failure to provide any documented escalation pathway. 

I made multiple good-faith attempts to communicate with XXXX XXXX XXXX and XXXX Customer XXXX XXXX XXXX Volkswagen XXXX XXXX XXXX XXXX in writing in order to document account-related matters, hardship proposals, and compliance questions. Despite these efforts, I was repeatedly denied access to written communication and forced into phone-only contact. 



Secure Messaging Refusal ( XXXX XXXX XXXX ) I attempted to use XXXX XXXX XXXX online secure Message Center to communicate regarding my account. XXXX XXXX XXXX responded that they would not assist via the Message Center and instructed me to contact their Recovery Department by phone only. 

This demonstrates that XXXX XXXX XXXX disabled or refused to use their own secure written communication platform for servicing my account and dispute-related inquiries. 



Corporate Email Escalation Refusal ( Volkswagen XXXX XXXX XXXX ) I then contacted XXXX XXXX XXXX XXXX through Volkswagen XXXX XXXX XXXX corporate email ( XXXX ) and formally requested that my written inquiry be routed internally to XXXX XXXX XXXX for review and response. 

Volkswagen XXXX XXXX repeatedly refused to escalate or internally forward my written request. They stated that XXXX XXXX XXXX is a separate department, declined to facilitate any internal coordination, and again directed me to phone-only contact. 

They further confirmed they would not communicate with XXXX XXXX XXXX on my behalf or provide any written escalation path. 



Consumer Harm and Servicing Concerns As a result of these actions : I was denied access to XXXX XXXX  secure messaging system I was denied access to email-based servicing communication I was provided no written dispute or documentation submission pathway I was forced into undocumented phone-only communication for sensitive financial matters I was unable to maintain a compliance record of account communications This creates unreasonable barriers to consumer servicing, prevents proper documentation, and undermines fair dispute handling practices. 



Pattern of Fragmented Responsibility Volkswagen XXXX XXXX XXXX acknowledged they can not coordinate with XXXX XXXX XXXX due to internal separation, while XXXX XXXX XXXX  simultaneously refused written communication. 

This left me trapped between XXXX corporate entities, neither willing to provide a documented servicing pathway or escalation route. 

From a consumer standpoint, this fragmentation creates confusion, service denial, and lack of accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: IL

Complaint narrative:
CREDIT CONTROL , LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL , LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
Yes, so on the XXXX of XXXX, XXXX. I had meant a woman posing as an owner of a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, to rent out a XXXX from her. I was unaware that she wasnt not the owner of the company, and sent a deposit of {$760.00} via Cashapp for the vehicle. The car was stolen from me by them the same night after sending the money. Even after submitting evidence and a police report verifying Im be scammed by another user, Cashapp still refuses to reimburse my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
After noticing unauthorized transactions on my Visa credit card, on XX/XX/year> I contacted your Fraud Department to report activity once again at XXXX XXXX XXXX XXXX XXXXXXXX located in XXXX XXXX, Maryland. Fraud at this XXXX has occurred twice previously. When I received two new Visa cards, the fraud happened at this store, which tells me there is someone at Bank of America and this store or XXXX XXXX XXXX in XXXX, Maryland are connecting to commit the crime. 

Since BOA doesnt require you to sign into your account to transfer a XXXX card number to a digital wallet, you dont have to have the physical card to accomplish this transaction. 
After inquiring of other financial institutions, Ive found out that it is possible to transfer a credit card number without having the physical card. Two people at different places, in this case BOA and XXXX  can commit fraud together. Someone at BOA can give the number and XXXX  to someone at XXXX. This is the only way this can happen since I dont have a mobile wallet. 
BOA can see when and to what type of wallet the transactions were transferred. However, they are not forthcoming when asked for this information. 
Your representative confirmed that each time the credit card number was transferred to a mobile wallet and the perpetrators PIN was used. I was in possession of the physical card in another city. 

All credit card numbers are at risk on the public systems once they are used at any merchant. Most other financial institutions require a person to sign into their account to transfer the credit card number to a mobile wallet. 

Credits remain unrestored. Its not acceptable for me to pay interest on charges I didnt make. I dont or never have used a mobile wallet, and I had the physical card each time. I should not have to pay interest on charges I didnt incur. 

I have locked my current card. However, I am requesting the {$110.00} fraudulent charge be reversed and credits issued, as my card was used without my knowledge or authorization. BOAs decision to deny the reversal and refusal to investigate tells me they dont have the customers best interest as a core value.

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 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: SC

Complaint narrative:
I am submitting this complaint regarding MOHELAs failure to timely process my XXXX XXXX XXXX XXXX ( XXXX ) application. 

I have Direct Loans, have worked full-time for qualifying public service employers for more than XXXX ( XXXX ) years, and I submitted my XXXX Employment XXXX XXXX XXXX Despite meeting the eligibility requirements for XXXX, MOHELA has taken many months to process my application and has not issued a decision. I am aware of many others who have had lesser amounts than I have and have never paid anything back on loans have had their loans dismissed. My loans continue to sit in deferment and continue to accrue interest. 

MOHELAs prolonged delay has left my account in limbo, with no approval or denial, and no clear timeline for resolution. This delay has caused ongoing uncertainty and has prevented me from receiving the loan forgiveness to which I am entitled under federal law. 

MOHELAs failure to timely process XXXX applications appears to be a systemic servicing failure. I am requesting that MOHELA be required to immediately review and complete the processing of my PSLF application, correctly update my qualifying payment count, and discharge my loans if eligibility is confirmed. 

I am also requesting written confirmation of my PSLF status and any corrective actions taken on my account. Any assistance that can be rendered would be greatly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There are inaccuracies with the account. The balance is off, there was an agreement that had been negotiated and they had squelched on their end, they sold the vehicle For more than the balance and have not properly cleared off the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am filing this complaint regarding my XXXX credit card, issued by OneMain Financial. 

I reported my physical credit card as lost and requested a replacement. At my request, the original card was blocked for security reasons. Although I am still able to access my account, I do not have a usable physical card due to the issuers repeated failure to provide a replacement.

I have gone through the replacement card process four separate times. During each request, the customer service representative verified that my mailing address on file was correct. Despite this, I have never received a replacement card. 

When I asked why this continued to occur, representatives stated they did not have an answer. When I asked whether notes were placed on my account, I was told yes, but when I requested that the notes be read back to me, I was then told there were no notes on the account. 

I asked what steps I could take differently to ensure successful delivery, and representatives again stated they did not have an answer. I requested to speak with a supervisor or higher-level representative, and this request was refused.

While my account remains accessible, OneMain Financials repeated failure to issue and deliver a replacement card after blocking the original has left me without a functional physical card, with no explanation, no documentation, and no escalation path.

Once again Im scheduled to receive the card within 7-10 business days. I made sure to tell the representative to make note that I would be reporting them if not received within the allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Westlake Services, LLC
State: WI

Complaint narrative:
XX/XX/XXXX- I noticed an unauthorized withdrawal from my primary checking account in the amount of {$610.00} shortly after XXXX Central time From my Credit Union Manager 's office on speaker phone attempted approximately 5 times to contact the phone number XXXX - Westlake financial XXXX XXXX. I could never get through to a person because I do not have an account with this organization despite trying numerous combinations of XXXX options. 
I did get through on XXXX which is their Credit Card line listed on same website, but the individual could not/would not assist in getting a person to help with this fraud! I was forced to leave a name and number and have yet to receive any response. 

My credit union filed a formal dispute and then provided me with additional details on the transaction. I took the print out, made copies, printed my call logs and took the information to local police. 

Local, XXXX, WI, police were less than helpful! Said despite me making multiple phone calls, that I had not done enough to resolve the issue. ( Not sure what I am supposed to do when I call multiple times and no one picks up the phone ). While with XXXX XXXX I made another phone call to another number that I had that only circled me back to the same XXXX tree that I started with. I also file for interest in a new loan on website because there was no option available to dispute my transaction. I only received an automated message in return as of this writing. At XXXX XXXX  responded to the automated response with additional information regarding the theft of money from my account. ( No response automated or otherwise. ) At XXXX received call from XXXX XXXX  that he had spoken with my branch XXXX at Credit Union and that the credit union would refund my money but that he would do nothing to investigate the person or company responsible for stealing my money and my time! I am out hours of time and an amazing amount of frustration! I want compensation!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, Capital One closed my account following a deposit of cashier 's checks. These checks were for legitimate residential rental income ( security deposit and first months rent ) for my property located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. 

Because the payment was received in cash from my tenant, I converted the funds into XXXX XXXX checks to ensure a safe deposit. I now understand that this pattern of converting cash to checks can appear suspicious to automated banking systems ; however, this was an honest mistake by a private landlord managing rental property. 

It has been nearly 80 days since the account closure, and the bank is still holding my balance of {$3800.00}. I have attempted to provide my lease agreement and receipts to the bank via email to verify the source of funds, but the emails were returned as undeliverable. 

I am attaching the signed lease agreement and proof of property ownership here. I request that Capital One review these documents and release my full balance immediately, as the standard XXXX investigation window has already passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
I made a rebuke about charges and I loss the rebuke and repaid the XXXX dollars they had given me this were back in XXXX now heres XX/XX/XXXX they went into my account and took out over XXXX dollars and wont refund it back and saying now they dont have the information that I paid it back in XX/XX/XXXX 2025

Company response to consumer: Closed with explanation