vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 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: IL

Complaint narrative:
Bank of America denied my credit card dispute for {$9100.00} solely because a verified device was used, despite clear social-engineering account takeover and impersonation. I never authorized, initiated, or benefited from the transaction. XX/XX/XXXX-time passcodes were obtained through deception while I believed I was stopping fraud. Device usage does not equal authorization under the Fair Credit Billing Act. I am requesting reversal and a proper reinvestigation.

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 2026-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$19000.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$13000.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Makes Cents, Inc. dba Advance.Cash
State: AZ

Complaint narrative:
XX/XX/year> I applied for a loan. He had asked for employer number. I said we work remote. He said he needed office number and I made sure that as a condition of me providing it, they would not be contacted. He said no and that was illegal. At XXXXXXXX XXXX we hung up the conversation. At XXXX XXXX., I received a call from my employer that they were contacted to verify my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing this complaint against Westlake Financial Services for a violation of the Truth in Lending Act ( TILA ) and Regulation Z. 

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX XXXX. During the transaction, the dealership deceptively stated that an extended warranty ( {$2600.00} ) and GAP insurance ( {$310.00} ) were mandatory requirements for loan approval. Furthermore, the dealership failed to provide me with a copy of my Retail Installment Sales Contract at the time of signing. I only received this contract from Westlake Financial on XX/XX/XXXX, after multiple disputes. 

Under the FTC Holder Rule ( 16 C.F.R. 433.2 ), Westlake Financial is subject to all claims and defenses which I could assert against the seller. On XX/XX/XXXX, the dealership admitted the error by issuing full/prorated refunds totaling {$2900.00} ( Westlake Confirmation XXXX : XXXX and XXXX ). 

However, Westlake Financial ( specifically via XXXX # XXXX ) has formally refused to credit back the 42 months of interest I paid on these deceptively included funds. My loan carries a 12.89 % interest rate. By refusing to backdate the credit to the loan origination date, Westlake is knowingly retaining approximately {$1100.00} in unearned interest accrued on a fraudulent principal amount. 

Additionally, while my contract is dated XX/XX/XXXX, my first statement from Westlake was XX/XX/XXXX, suggesting interest was accrued for 34 days before the loan was even funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am submitting this additional statement to further clarify the circumstances surrounding the unauthorized transactions on my Chime account. 

I was directed to a deceptive website through a social media advertisement. The website represented that a free subscription was required only for age or access verification and explicitly stated that no charges would be made. Based on those representations, no charges were disclosed or processed at the time. 

Any card information entered on that website was provided solely due to those deceptive representations and did not constitute authorization for any electronic fund transfers, delayed charges, recurring charges, or transactions to XXXX or any other third-party merchant. 

XXXX days later, I discovered multiple unauthorized transactions to XXXX. I do not have a XXXX account, and no one in my household has a XXXX account. Based on the timing and nature of these transactions, I strongly believe my card information was compromised or misused after being collected by the deceptive website, without my knowledge or consent. 

I promptly reported the issue to chime, disputed the transactions, and my card was replaced due to suspected fraud. Despite this, my disputes were denied without sufficient evidence demonstrating that I authorized these transactions. 

I respectfully request a full refund of the disputed amounts and a proper investigation in compliance with the Electronic Fund Transfer Act ( XXXX ). 

If this matter can not be resolved through chime internal review process or the CFPB complaint resolution process, I respectfully reserve the right to pursue additional legal remedies available to me, including filing a claim in Small Claims Court. 
My chime info Username : XXXX name XXXX XXXX XXXX Chime phone number : XXXX The unauthorized transactions are given below. 
- {$580.00} XXXX,XX/XX/XXXXXX/XX/XXXX Merchant Name : XX/XX/XXXX Account : Checking Description :XX/XX/XXXX {$4.00}XX/XX/XXXX XX/XX/XXXXCard : XX/XX/XXXX NOTE : AGAIN I DON'T HAVE COINBASE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Complaint Summary Reference Prior Case # XXXX I am submitting this complaint as a continuation of my previous case Case # XXXX, which is currently locked and does not allow further response. Since that filing, additional adverse actions have occurred that I believe require review. 

I experienced a temporary mortgage hardship during a forbearance period, which resulted in late payment reporting. However, the mortgage balance has since been paid current in full, and the servicer has confirmed updates to my credit reporting are in progress. Despite this resolution, Synchrony Bank has taken repeated adverse actions across multiple accounts where I have maintained good standing and never made a late payment. 

Most concerning is the closure of my * * XXXX XXXX/ Synchrony XXXX XXXX account while an active billing dispute was open. At the time of closure : A formal dispute was in progress The promotional balance had been paid as agreed I have not received written findings or resolution documentation regarding the dispute The account was closed without explanation tied to the dispute outcome

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 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The copy of contract that I signed when the purchase was made on XXXX clearly states that : 1. Prepayment. if you pay off this contract early, you will not have to pay a penalty 2. Contract Provisions. You can see the terms of this contract for any additional Information about non payment, default, any required payment before the scheduled date, and per payment refunds and penalties.

3. The signing of the contract is the complete agreement by both parties as signed and can only be amended in writing by both parties in writing.

After a period of time I started to make additional payments on the loan in order to pay it off early. Several months later I received a letter from Bank of America advising me that : The additional payments I had been making were not being applied to my principal balance, they were being applied as future payments, and in order for the bank to credit the additional payments to my loan principle I was advised of the following : If youre current and you make a payment greater than your regularly scheduled payment amount, BUT LESS THAN THREE TIMES TIMES YOUR REGULARLY SCHEDULED PAYMENT AMOUNT, your account will go into a paid ahead status. The additional funds from your payment are applied to interest, your principal balance and fees, and your interest accrues based on your new reduced SENTENCE ENDS ABRUPTLY.

In the letter I received I and now required to call them to monthly to tell them how I want my payment applied. Or Let the bank directly withdraw funds from my checking account, Or Send them a note them to apply the additional payment as a principal reduction payment, Or personally appear at a financial center which is approximately XXXX miles from my home, to tell them personally to apply the over payment to my principal balance. 

None of these requirements are listed on the contact that I signed with Bank of America, and my contract has not been amended from the original document. 

Therefore the Bank is in Violation of the contract that was signed.

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 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NORTHWEST BANCSHARES INC
State: GA

Complaint narrative:
I am filing this formal complaint against Northwest Bank for an unauthorized and predatory change to my loan terms. 

On XX/XX/XXXX, Northwest Bank assessed a {$2100.00} fee ( a 5 % penalty on a {$42000.00} returned item ). While the bank cites a fee clause in my agreement, Northwest Bank has exceeded its contractual and legal authority by unilaterally capitalizing this {$2100.00} penalty into my loans principal balance. 

This action constitutes a fundamental change in the terms of my loan for the following reasons : 1. Unauthorized Principal Capitalization : By adding a penalty fee to the principal, Northwest Bank has converted a one-time administrative charge into an interest-bearing debt. This is a unilateral loan modification performed without my consent or new Truth in Lending Act ( TILA ) disclosures. 

2. Creation of an Interest-Bearing Penalty : I am now being forced to pay daily interest on a penalty that resulted from an error at the payor bank ( XXXX Banks wrongful dishonor ). Converting a fee into principal creates an " interest trap '' where the bank profits indefinitely from an erroneous transaction. 

3. Unfair and Abusive Practice ( UDAAP ) : Under CFPB standards, it is an abusive practice to capitalize fees into principal in a manner that obscures the true cost of the penalty and forces the consumer into long-term debt. 

The underlying check ( # XXXX ) was valid and funds were available ; Northwest Banks decision to apply a 5 % penaltyand then force that penalty into an interest-bearing principal balanceis unconscionable. 

I've included attachments where I signed the loan contract for XXXX. On XX/XX/XXXX NWSB did an unauthorized loan add on to my principal balance. Additionally, I've provided documentation from XXXX Bank proving funds were available and this check was erroneously declined.

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 2026-02-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am submitting this complaint against Westlake Financial regarding the excessive interest rate applied to my auto loan and the lack of response to my request for a credit re-evaluation. 

Contract details : Amount financed : {$46000.00} Original term : 60 months Loan maturity date : XX/XX/year> Interest rate : 12.99 % Monthly payment : {$1000.00} Payments already made : 34 Remaining payments : 26 Total amount paid to date : {$23000.00} I contacted Westlake Financial to formally request a new credit review, using my SSN : XXXX, in order to reassess and potentially reduce the interest rate based on my payment history and current credit profile. 

To date, I have not received any response, explanation, or formal decision regarding this request. 

I believe the interest rate being charged is excessive and unreasonable, especially considering the significant amount already paid on this loan and my consistent payment history. Additionally, the companys failure to respond raises concerns regarding transparency and fair lending practices. 

I respectfully request that Westlake Financial be required to provide a formal response, review my credit as requested, and reassess the loan terms in a fair and reasonable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
I assumed this FHA mortgage loan approximately XXXX years ago following a divorce. For about the first year after the assumption, I had full online access to my mortgage account. After that, my online access was XXXX by the servicer. 

I was told by the servicer that online access for assumed loans had been XXXX for security reasons and that a fix was being worked on. I was told this issue would be resolved, but online access has never been restored. 

For several years now, I have been unable to access my account online to view my balance, payment history, escrow information, or mortgage insurance information. As a result, I am required to either call in each month to make payments or mail physical checks. 

Recently, I sent a written letter with my monthly payment asking whether online access would ever be restored and requesting a written response. The payment was cashed, confirming receipt of the letter, but I received no response. 

After receiving no response, I sent a follow-up email requesting an update and a written response. I again received no response. 

This issue has been ongoing for years, not weeks or months, and the servicer has repeatedly failed to provide any response or explanation. I am concerned about the lack of transparency, inability to access basic account information, and the servicers failure to respond to written communications while continuing to accept payments. 

I am requesting that the servicer restore online account access or provide a clear written explanation stating whether online access for assumed loans will ever be available, along with a response addressing the failure to reply to prior correspondence.

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 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I received a email stating my account was due to be closed due to non payment which I know i havent opened a account in years because im going to file XXXX. So I went to the XXXX XXXX website to check my credit and there was a account opened in my name from XXXX XXXX XXXX XXXX gor {$2000.00} the address they had on file was not my address it was in a state I've never lived in my life. I disputed all incorrect information and contacted them for this fraud/ identity theft account that was getting charged off and sent to collections. I did not open this account so when I called the credit XXXX bank I didnt have any info to provide them to get any details about thus account. I probably talked to atleast XXXX different people that barely spoke any XXXX the last person I spoke to could hear how frustrated I really was and told me they would send me information by mail which I verified my current address that I've lived at for years i waited for any kind if mail and never received it I called them multiple times and each and every time I called they had the incorrect address on file when I verified my current address every time I called i never received anything by mail by then it was already sent TO MIDLAND CREDIT MANAGEMENT XXXX XXXX and ive had the same issues with this collection agency constantly hanging up on me and them not doing a proper investigation with the information they already have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I would like file a complaint against Wells Fargo Bank. I gave my contractor two checks in supposedly his wifes name. The check was written out to. XXXX XXXX XXXX one for {$80000.00} and the other one for {$60000.00} the checks were improperly endorse. I dont understand why Wells Fargo Bank did not reject the checks for improper endorsement. Wells Fargo Bank does not want to take the responsibility that they did not comply with regulations the checks were signed XXXX XXXX ever time I file complaint they gave me the same excuse I feel like this falls on Wells Fargo Bank for not following regulations. Had they did their job I wouldnt be filing these complaint.

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 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing inaccurate and unlawful credit reporting by this company regarding an alleged collection account being furnished to consumer reporting agencies. 

This company is a XXXX-party debt buyer, yet it is falsely reporting itself as the original creditor. This is a material misrepresentation of the nature and legal status of the alleged debt. 

The account is also being misclassified as open, despite being a collection account. This inaccurate status materially misrepresents my credit risk. 

In addition, the tradeline is incomplete and unverifiable. The company has failed to report a valid account number or sufficient identifying information, preventing meaningful verification or dispute. 

I previously disputed this account through the consumer reporting agencies and requested documentation sufficient to verify ownership, accuracy, and authority, including the original contract, full chain of title, complete account history, and proof of lawful authority to collect and report in XXXX XXXX XXXXXXXX. The company failed to provide this information and continued reporting the account. 

This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ), as well as NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company is not licensed to collect debts in New York, rendering its collection and reporting activity unlawful. 

This inaccurate reporting has caused actual harm, including denial of credit and the inability to open and operate my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I got the below message - " This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. As of XX/XX/year>, your past-due account remains unpaid. Please call us @ ( XXXX ) XXXX or visit XXXX to self-service. Reference File # XXXX. To opt out, reply STOP. '' and I do not even know this company and also i send STOP but i keep getting messages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation