vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MA

Complaint narrative:
To reinstate my loan and give possession of car back. On Saturday XX/XX/XXXX I was going to make my payment of {$360.00} to Western Funding for my car loan, while doing so I got a call from the dealership saying that Western Funding gave them a call, and that I had to return the vehicle that day. Today XX/XX/XXXX I received a letter that was dated XX/XX/XXXX from Western Funding about a Notice of Right to Cure, which states I have until XX/XX/XXXX to make the payment and continue like no default occurred. I don't want to be responsible for penalties that I can cure and Western Funding is not holding up to the notice they sent to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I attempted to contact Credence Resource Management about a debt I owed for XXXX XXXX XXXX. They had listed my mothers name as the account holder which is incorrect. They also had incorrect mailing and email address. The only reason they had my current mailing is because my mom has called to give them permission to speak with me and she gave it to them. They insisted she was the account holder even though Im the original account holder and she was not added to my account as a line until way later on. He kept being forceful in the information he swore was true and it was not. Not only that, but not having my current information makes me extremely skeptical that the company is even legit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: IL

Complaint narrative:
XX/XX/XXXX a deposit was made from my debit card ending XXXX for {$500.00} to my Rewards checking account. 
The deposit was made to fund the minimum balance. 
On XX/XX/XXXX I attempted a wire transfer to my personal cryptocurrency platform and contacted by a representative to verify the wire transfer a day or two after and I confirmed the wire transfer. The following day after I got an alert that my account was suspended. 
Since XXXX XXXX account has been suspended and still under review for almost XXXX weeks my funds are on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding serious mortgage servicing errors involving my loan, which originated with XXXX XXXX XXXX XXXXXX/XX/XXXX and was later transferred to XXXX XXXX XXXX, and currently is with XXXX XXXX XX/XX/XXXXMy mortgage originated with XX/XX/XXXXand was subsequently transferred to XXXX XXXX XXXX. I entered a XXXX forbearance period ; however, XXXX is now reporting a lien of approximately {$390000.00}, which can not be clearly explained or justified. 

Despite having made mortgage payments for approximately XXXX years, I am being informed that my payments are not properly reflected in the loan balance. Additionally, no representative has been able to explain how this lien amount was calculated. 

On XX/XX/XXXX, I personally visited the XX/XX/XXXX branch located at XXXX XXXX XXXX, XX/XX/XXXX seeking clarification. The representatives were unable to provide any explanation, documentation, or identify any responsible party to address this issue. I was advised only to send an email, without being given a clear point of contact or resolution process. 

The amounts being reported do not reconcile with my original loan terms, my payment history, or the duration of the XXXX forbearance period. This strongly suggests improper capitalization, accounting errors, and/or servicing transfer mistakes. 

I am requesting that XXXX XXXX Servicing be required to : Provide a full loan accounting Provide my complete payment history from loan origination to present Explain the calculation and legal basis for the $ XXXX lien XXXX!!! 
Explain why multiple liens were recorded within the same year Correct any inaccurate balances immediately I am formally disputing the accuracy of this balance and respectfully request CFPB assistance to ensure compliance with federal mortgage servicing laws. 

Borrower Address : XXXX XXXXXX/XX/XXXXXXXX Loan Number : XXXX Thank you for your assistance.

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 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Paid off loan and overpaid the balance due. Now the bank owes me money. The balance owed to me is {$530.00}. Balance that was overpaid was received by the bank on XX/XX/year>. I called the bank today and they stated it would take several weeks to receive the refund due me.

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 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Alabama Housing Finance Authority
State: TN

Complaint narrative:
We submitted a request for mortgage assistance with ServiSolutions. 
They have been in review since XX/XX/XXXX with no updates or decision on the account as of XX/XX/XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
When I got the loan, I signed up for auto pay. I was out of the country for work and I was unaware that the payments had not been taken out. When ai returned and learned that the payments hadnt been taken, I immediately made all the payments.I am now caught up with payments, and I will not be late going forward. However this dropped my score and is hindering me from moving forward with my house purchase. I would like for them to remove the late payments so that I can move forward with my life plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On XX/XX/year> I attempted to log into my CareCredit Account only to find a new system had been put in place. My username and password were not working. I attempted to reset my password but the system would not let me until I login. I attempted to call their number on the back of my card, but the AI answering machine was incredibly unhelpful in resolving this issue. 

I gave up and wait for a contact from the company as I knew they would seeing how I owe them money. I received many emails, all of which did not help me re-login to my account and directed me to the same AI helpline or to complete a payment as a " guest '' instead of an account holder. I made such a payment on XX/XX/XXXX, attempting to keep up with the money I owe. 

Today, XX/XX/XXXX, I attempted to make another payment this way, but the guest system states that my account " can not be found. '' At this point I would much rather deal with a debt collector because at least their systems can and will accept my money. 

I write this report only because I want Symphony bank to know that before switching from one system to another, they should at least make sure it works first. A bare minimum quality check.

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 2026-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NY

Complaint narrative:
My name is XXXX XXXX, I reside at XXXX XXXX XXXX my email is XXXX. My phone number is XXXX. My account number was XXXX but later it was changed to last XXXX of XXXX. XXXX Comerica was contacted in XX/XX/XXXX to dispute unauthorized online transactions spanning XXXX years and XXXX months. They sent a form to complete the process and it was faxed on XX/XX/XXXX back to them. The original request was for {$590.00} for XXXX months of transactions because that was all the representative could see. It was explained that I wanted to know how far back it goes to be able to dispute the rest of the unauthorized charges. They explained you can check your statements. I explained I was never sent statements for money sent or transactions made on the XXXX comerica XXXX XXXX my social security funds. They sent statements for XXXX to XXXX. They asked why I did not get transaction information from the ATM. It was explained the card does not allow you to get transaction statements at the ATM. 
Once the statements were received I disputed a total of {$1100.00} by calling them. They said they did not agree to return any of the charge amount. They spoke to the merchant XXXX * XXXX and they had information that only I could have given the merchant. It was explained others such as hackers, skimmers, people within the bank can gain access to your information and make unauthorized transactions. XXXX/ XXXX sent a letter in XXXX stating they would not reverse the charges and a letter, with their original form was sent via fax asking them to reopen the case because it went from {$590.00} to XXXX, was not a cash in person sale as their records indicated, no services were rendered for any of the charges, the account is for social security benefits and they never sent my statements for me to know it was happening to me in small transaction amounts of XXXX per month in XXXX, {$43.00} per month and {$54.00} per month in XXXX. They sent a second letter denying the appeal on XX/XX/XXXX. Please assist me in getting my money back. This may include other seniors. The merchant was also contacted on XX/XX/XXXX. They confirmed no services was rendered but the sales were authorized because they have all my information. They said they would send proof but none was received from them or the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE

Complaint narrative:
On XX/XX/XXXX I called XXXX to book a flight. I cancelled this booking the same day XXXX XXXX, however I was charged on my credit card on the XXXX of XX/XX/XXXX for the cancelled flight. I contacted XXXX XXXX of XXXX I was told by XXXX that I has been refunded. 

I received an email from XXXX to remind me of my cancelled flight. When I received this email, I called XXXX immediately. I could not fly on XXXX I had to travel using XXXX they did not fly to the destination I was going, this is why I cancelled my flight with XXXX originally. 
I called my credit card company on XX/XX/XXXX. Barclay 's stated I was charged by XXXX XXXX for the flight I did not take. 
I called XXXX back on XX/XX/XXXX and was told that they would sent a refund request {$540.00} it would take XXXX business to process. I was also told I would receive a status email of the refund I did not. 

On XX/XX/XXXX I called XXXX again ; I made them aware that I had not received the refund or an email. On XX/XX/XXXX I called Barclays again and informed them of the matter because the matter was over XXXX days. I had to contact the dispute department. 
I have not received a refund as of XX/XX/XXXX. 
XXXX has stolen my money and Barclays has allowed them to do it. I was a full refund.

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 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a written debt validation request to National Credit Systems disputing the alleged rental-related debt and requesting full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). The request was sent in writing and included a demand for verification, itemization, and proof of obligation. 

Despite this dispute and before providing any validation, National Credit Systems reported the collection account to the credit bureaus on XX/XX/year>, as reflected on my credit report. This reporting occurred after the debt was formally disputed and without any validation being provided, which constitutes unlawful collection activity. 

To date : I have never received written validation, itemized accounting, or supporting documentation from National Credit Systems. 

I have not received any correspondence responding to my XX/XX/XXXX dispute. 

The company proceeded to furnish negative credit information while the debt was disputed and unverified, in violation of the FDCPA. 

Reporting a disputed debt without first validating it, and failing to mark the account as disputed, is improper and has caused measurable harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Real Time Group, Inc.
State: MO

Complaint narrative:
Company repeatedly calls and asks for personal information without divulging that they are a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Lendbuzz Inc.
State: PA

Complaint narrative:
I am filing this complaint against Lendbuzz Funding LLC for unlawful collection and credit reporting related to a vehicle loan. 

I purchased a XXXX XXXX XXXX ( VIN : XXXX ) in good faith. On XX/XX/XXXX, the vehicle was seized by the XXXX Police Department as part of a criminal investigation. The vehicle was not surrendered by me and was not repossessed lawfully. 

Despite being notified in writing multiple times, Lendbuzz has continued collection activity and has reported the account as delinquent to XXXX, XXXX, and XXXX. I sent a formal demand letter and a Final Notice of Intent to Sue, and Lendbuzz has failed to respond. 

Any alleged repossession or sale occurred while the vehicle was under police custody and without required notices under Pennsylvania UCC. The alleged deficiency is invalid and unenforceable. 

I am requesting : XXXX ) Immediate deletion of all credit reporting related to this account XXXX ) Immediate cessation of all collection activity XXXX ) Written confirmation of resolution Lendbuzzs continued reporting and silence constitute violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper home is SERVICING OF A NON-EXISTENT LOAN OBLIGATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: NC

Complaint narrative:
This debt was paid in full and the current balance is {$0.00}. However, it is still being reported as a collection account and/or contains inaccurate or incomplete information. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), I have the right to have only accurate, complete, and verifiable information reported on my credit history. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation and correction of information reported by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank has withheld {$110000.00} of my investment funds for over 50 days due to a gross administrative error ( erroneously flagging my profile as " Deceased '' ). 
Despite providing definitive legal evidence today ( XX/XX/year>, XXXX ID : XXXX ), the bank continues to freeze my assets. This negligence has caused the following direct damages : Financial & Legal Loss : Significant economic loss and jeopardy to the legality of my immigration change of status. 
Operational Damage : Preventing the normal commencement of my companys operations. 
XXXX XXXX : Immense emotional and mental health strain on my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: DailyPay, Inc
State: CA

Complaint narrative:
They told me that I had a certain amount to withdraw and then after I withdraw my payroll money they said they over paid me and now is charging me extra fees, this is not fairl I only took out the amount that they told me was rightfully available to me. Now they want to charge extra fees and withdraw the funds from my payroll. I asked them to cancel my account today and they will not do it, I told them I want DailyPay completely deactivated and disconnected from my employer payroll. I do NOT authorize DailyPay to access my wages. but they will not cancel my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Goal Structured Solutions, LLC
State: MO

Complaint narrative:
I completed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) which included a career guarantee. I secured employment as a Web Designer in Kansas XXXX in XX/XX/XXXX, fulfilling the guarantee terms. 

In XX/XX/XXXX, I was involved in an automobile accident. My employer initially allowed me to work from home while my car situation was resolved. When my insurance company determined my car was totaled, I informed my employer. I was terminated shortly after ( XX/XX/XXXX ) due to my inability to commute to the office. I have documentation of this termination and the accident. 

My first loan payment of {$750.00} is due XX/XX/XXXX. I can not make this payment. I have contacted XXXX XXXX and XXXX XXXX multiple times. On XX/XX/XXXX, XXXX XXXX denied further deferment stating I have exhausted my postponement time and provided a PDF explaining the denial. They directed me to contact the school regarding the career guarantee. 

I have emailed XXXXXXXX XXXX multiple times requesting information about the career guarantee and hardship exceptions. They have either ignored my requests or stated they " have no insight into the loan '' without addressing the guarantee claim. The company was acquired by XXXX XXXX while I was enrolled ( my certificate shows both XXXX and XXXX XXXX ). 

I am being bounced between the loan servicer and the school with no resolution. My mother co-signed this loan and both our credit is at risk. I have documentation of the accident and all attempts to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint against Edfinancial Services , LLC regarding inaccurate and harmful credit reporting related to my XXXX XXXX XXXX while they are under active dispute through a Borrower Defense to Repayment application with the XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Atlantis Financial Group, Inc
State: FL

Complaint narrative:
I applied for an FHA loan was towed by XXXX that I was approved and he said he was gon na finish up and go through a whole bunch of other stuff two days later he text me about some documents that was sent to me email which never was to check my credit score and messed up my credit score and then the day text him like four times and call him twice. Never responded. Finally got a message this late saying that hes been traveling all day. I told him you couldnt respond like youre busy your help so they he says he aint gon na do my fha Loan now after he messed a credit score up and gave me fast and misleading answers, and also was told that we dont care that Im an American disability act

Company response to consumer: Untimely response