vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: GA

Complaint narrative:
Your Complaint : I am filing a complaint regarding a Discover credit card fee that was unfairly charged due to incomplete account closure, misleading communication, and poor customer service. 

Details : 1. On [ insert date ], I requested that all Discover cards associated with my account be closed. I believed this request was fully executed.

2. Discover only closed my debit card. My Discover credit card remained active and was linked to my XXXX account. I was never informed that the credit card was still active. 
3. I unknowingly used this credit card to make a purchase on Amazon, believing all Discover cards had been closed. 
4. Discover later assessed a Past Due Fee of {$20.00} and an Interest Charge of {$0.00} for this transaction. I was not notified of the fee or transaction beforehand. 
5. When I called Discover customer service ( between XXXX XXXX  and XXXX XXXX XXXX time ) to request a fee waiver, the representative was dismissive, did not review the issue, and refused to escalate to a supervisor, saying speaking with a supervisor wont help. I waited for a while and was unable to reach a supervisor. 

What I want : 1. Full refund of the {$20.00} Past Due Fee and {$0.00} interest charge 2. Written explanation from Discover as to why my request to close all cards was not fully executed 3. Confirmation that all Discover accounts are properly closed or clearly listed if any remain active 4. Assurance that no further fees or transactions will occur without my explicit consent This fee is unfair and arose entirely due to Discovers failure to properly execute my account closure request, provide adequate notification, and their refusal to offer proper customer support escalation. 

--

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
Ive been trying to apply for borrowers defense. The application can not be completed because when I try to upload prof ( asked for in the application ) it accepts my documents initially, then when I click save it gives me an error message. It will not save my uploaded documents. Ive tried multiple times over the last few weeks. On top of that the website kicks you out and deletes all your information after just a couple mins Ive had to re write my submissions over and over and over again. 

Ive also had a horrible experience working with customer service. Ive been hung up on many times in the past and today XX/XX/year> I was hung up on XXXX times in a row at XXXX XXXX and XXXX. 
It is not peek hours not a long hold time just being hung up on. Also I called in last month and was given incomplete information. That affected my decision on how to move forward with my loans and that ended up effecting my credit score negatively.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank accepted a loan agreement from XXXX XXXX XXXX on which my signature was forged. When I attempted to report this to the fraud unit at least XXXX times, customer service refused to transfer me, just mentioned that they did not get an alert from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: AR

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2026-01-22 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
I financed a travel purchase through Affirm for a flight itinerary that was booked through XXXX. I did not book through any third-party consolidator or travel agency other than XXXX. 

After the purchase, I received an unsolicited phone call from a company identifying itself as XXXX  XXXX, claiming my flight was on a standby or waitlist status and that I would lose my seats unless I paid additional money immediately. I questioned the legitimacy of the call and stated that XXXX XXXX had not contacted me and that my flight had already been canceled. The caller pressured me to pay more money and falsely stated that failure to do so would result in cancellation. 

Shortly after that call, the flight was in fact canceled without my authorization. XXXX then treated the cancellation as if I had initiated it, and the funds were not returned. I did not cancel the flight through XXXX, XXXX, or Affirm, and I did not authorize XXXX XXXX or any other third party to cancel it. 

Because the flight was fraudulently canceled and I could not take the trip, XXXX later canceled the hotel and rental car associated with the itinerary. Those cancellations occurred after the flight cancellation and only because the trip could no longer occur. I have documentation showing the hotel and rental car were not canceled first. 

I have since obtained and submitted the actual audio recording of the XXXX XXXX phone call, which demonstrates high-pressure tactics, misrepresentation of authority, false statements about standby tickets, and an attempt to extract additional payment. This recording supports that I was the victim of a scam and that the flight cancellation was fraudulent. 

Despite timely notice and submission of evidence, Affirm has continued to hold me responsible for the loan balance tied to this transaction. Under the Fair Credit Billing Act and Truth in Lending Act, I disputed this charge as unauthorized and the result of fraud. I am requesting that the loan balance be credited and that I not be held liable for charges arising from a transaction that was canceled without my consent. 

Affirm has requested additional affidavits despite already receiving evidence, and the investigation has been improperly delayed while interest continues to accrue. I am requesting regulatory review to ensure compliance with federal billing dispute and fraud investigation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I don't not agree with the items listed below which still appear on my credit report this is really hurting me and i need your help i am going through so much with this i just had a baby and i really need some relief, please look over this for me. I would like this account to be immediately investigated. Please help me remove these inaccurate item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH

Complaint narrative:
Conserve Attn : Compliance Department Re : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced debt and to request full verification pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I dispute this debt in its entirety. Please provide proper validation, including but not limited to : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown Copies of any contracts, agreements, or documents bearing my signature that establish my legal obligation to pay Proof that Conserve is authorized to collect this debt The date of last payment and the date the debt was incurred Until such validation is provided, you are required by law to cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency. 

This letter is not an acknowledgment of any debt, nor is it a promise to pay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding deferred interest charges applied to my Best Buy credit card account.

My deferred-interest promotional financing ended in XXXX with a balance of approximately {$3300.00}. I was enrolled in autopay and made all payments on time. My payments were set with the intent to satisfy the promotional balance.

I was not aware that the promotion had expired or that deferred interest had been triggered. As a result, retroactive deferred interest was applied, causing my balance to increase to approximately {$7500.00}. Additional interest has continued to accrue monthly since that time.

I continued making payments in good faith without meaningful notice that interest had been triggered or that my payments were no longer reducing principal. I only recently discovered that deferred interest had been applied and that ongoing interest was accruing.

When I contacted customer service to request a goodwill adjustment based on delayed discovery, autopay enrollment, and on-time payment history, supervisors repeatedly refused review solely due to timing. One representative terminated the call and stated that the balance would only get worse.

I was provided a mailing address in XXXX, Tennessee and a fax number ( XXXX ) for review, but was told that no adjustment would be made.

I am requesting a formal review and goodwill adjustment of deferred interest charges based on delayed discovery, ongoing financial harm, and my good-faith payment history.

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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MD

Complaint narrative:
On XX/XX/year>, Westlake Financial repossessed my vehicle for a defaulted balance. I was sent a letter stating that I had up until XX/XX/XXXX to reinstate my contract by paying {$1500.00}. On XX/XX/XXXX when calling to pay the balance for the vehicle and obtain the location of my personal belongings, I was told that the balance had been changed to {$2000.00}. The agent that I spoke with didn't provide much help, so I sent a letter to Westlake through express mail requesting a written breakdown of this changed balance and also a request for the location of my personal items. My letters were not responded to. On another phone call, an agent gave me the number to XXXX XXXX XXXX and told me to arrange my personal property pick up with them. When I called XXXX, I was told that Westlake didn't authorize me to pick up my personal property, so I can not do so. I called Westlake again regarding the matter and was still given the run around, I didn't get an agent who could assist me in finding my personal property for weeks. I was told over the phone the balance changed because of another payment and I never received another letter with the real balance. Frustrated to my core, I paid {$2000.00} on XX/XX/XXXX to put this all behind me and recover my vehicle as I was making no progress in them righting their wrongs. In the midst of all of this, my registration expired on XX/XX/XXXX and needed to be renewed but once the vehicle was repossessed, I figured I would pay the balance first, then update the registration. When going to update the registration, I was then told by the XXXX that my title was transferred to West Virginia on XX/XX/year>, I called West Virginia XXXX services and I was told that the title was cancelled. Then I called Westlake, and it was confirmed that my title was cancelled, which prevented me from recovering my vehicle. It wasn't until XX/XX/XXXX that I received a packet to sign for Westlake to have POA of my vehicle. I was told this was required in order for me to get my title reinstated. Westlake received the form with my signature on Monday, XX/XX/XXXX, and I'm still being told by their customer service agents that they can not update me on my title. I've sent emails and called, and I still have not been given any updates on the status of my title. I was told that I can pick the vehicle up, but I can not legally drive the vehicle because of the dead tags that I have, which is delaying my recovery. Additionally, this account is being reported closed on my credit report with a past due balance of {$590.00}, my balance was never that amount. This entire process has been mentally draining, financially taxing, and overall stressful. Not one representative at Westlake Financial can give me useful information and I'm still left without a car that I'm expected to continue paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX Related Collector : Columbia Debt Recovery, LLC -- - # # # Complaint Summary I am filing a complaint regarding inaccurate rental debt and improper collection activity arising from my former apartment at The XXXX ( XXXX XXXX ). 

-- - # # # What Happened On XX/XX/year>, I provided written notice that my lease would extend through XX/XX/year>. On XX/XX/year>, XXXX confirmed in writing that this termination date was entered into their system. 

Despite this confirmation, XXXX assessed rent charges for XX/XX/year> through XX/XX/year>. These charges were assessed after the approved lease termination date. 

When these improper charges are removed, my account reflects no outstanding balance and an overpayment. However, XXXX placed the account into collections, and the collection agency is attempting to collect and report an inaccurate balance.

-- - # # # Why This Is a Problem - Charges were assessed after an accepted lease termination date - An inaccurate balance was reported to a collection agency - Inaccurate information is being furnished to credit bureaus - The debt being collected is not valid -- - # # # What I Want 1. Correction of my account balance to {$0.00} 2. Withdrawal of the account from collections 3. Deletion of any related credit reporting 4. Refund of any overpayment -- - # # # Attachments - Lease termination email correspondence - Move-out statement - Proof of payment - Written disputes sent to XXXX and the collection agency -- - Submitted by : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear PayPal Collections and Resolution Department, This correspondence serves as a formal communication regarding the outstanding balance on my PayPal account arising from a disputed transaction.

I did not receive the purchased items in full and therefore disputed the total amount billed. While the dispute was pending, I remitted payment for approximately half of the alleged balance in good faith. At that time, I was expressly advised that no late fees, penalties, or interest would accrue. Despite this representation, additional charges were applied.

This matter has remained unresolved for several months. I am currently unemployed and financially unable to make ongoing payments. Nevertheless, in a continued effort to resolve this matter amicably and without further escalation, I have borrowed {$100.00} and hereby offer this amount as a one-time payment in full and final settlement of the disputed account.

This offer is made without admission of liability and solely as a compromise. Acceptance of this payment shall constitute full satisfaction of the account, with no remaining balance due and no further collection activity.

Credit Reporting Condition : As a material condition of this settlement, upon receipt and acceptance of the {$100.00} payment, PayPal agrees to report the account to all consumer reporting agencies as paid in full,
settled in full, or otherwise reflecting a XXXX balance, and to request the removal or correction of any negative, inaccurate, or disputed credit reporting associated with this account. No further adverse reporting shall occur.

Written confirmation of acceptance of these terms, including the credit reporting condition, is required prior to remittance. Absent such written confirmation, no payment will be submitted.

Thank you for your prompt attention to this matter. I look forward to resolving this dispute without further action.

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 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I requested removal of Private Mortgage Insurance ( PMI ) in XX/XX/year>, based on improvements made to the property and anticipated loan-to-value eligibility. At Newrezs direction, I submitted a detailed list of property improvements and paid a {$150.00} Broker Price Opinion ( BPO ) /appraisal fee so Newrez could evaluate the current value of the home.

Despite payment of the required fee and multiple follow-ups over several months, Newrez never scheduled or completed the BPO/appraisal and did not issue a timely written determination. 

On XX/XX/year>, Newrez sent a written letter acknowledging receipt of the {$150.00} BPO fee and my PMI removal documentation and stating the request was under review. On XX/XX/year>, Newrez issued another letter confirming again that the documentation and fee were received, but stating the request remains under review, without providing an appraisal date, decision, or explanation for the continued delay.

After I filed a CFPB complaint, Newrez issued a denial of my PMI removal request, even though no BPO or appraisal had been completed. Following the denial, Newrez returned the BPO fee without performing the valuation, confirming that the denial was issued without completing the evaluation Newrez required.

I requested that Newrez reopen and properly process my PMI removal request. To date, I have not received a substantive response. PMI continues to be assessed on my account, and I continue to receive inconsistent explanations for the lack of processing.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
2023 my information was stolen someone did fraudulent they live in XXXX I live in whole another city

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I haven't received and information about either of my collection. I just happen to check my credit score. They were on ther.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Block, Inc.
State: IN

Complaint narrative:
I received a Cash App deposit of {$40.00} from a friend back in XX/XX/year>. When I tried getting access to the funds I received a message stating the account does not exist or can not be recovered. The phone number I used to open the account has been disconnected effectively locking me out of the account. I have repeatedly contacted Cash App regarding this but they continue to state that the system is blocking a balance transfer. They acknowledge that the account and cash is mine but won't provide an alternative way for me to access my money. I even requested that they close the account and send me a check but they refuse to do that as well. They continue to send email after email asking if I would like to do a XXXX time balance transfer and when I reply yes it never happens, they just send another email asking the same question.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Tower Loan has repeatedly contacted third parties regarding my account. Despite having my direct contact information, the company contacted members of my former spouse 's family multiple times. 

Specifically, my former mother in law was contacted multiple times in succession, and another relative was contacted in a different state. These individuals are not responsible for my account. 

I have a payment arrangement in place, with my next payment not due until XXXX. I am requesting that the company limit communication to me only and cease contacting third parties regarding my 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