vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Hi, I am submitting a complaint against PennyMac Loan Services due to repeated delays and increased costs in my refinance process. My refinance application began in XX/XX/year> with an initial closing date of XX/XX/year>. The closing date has since been delayed multiple times and is now set for XX/XX/year>. But i still don't have final closing disclosure in hand as of XX/XX/year>. I have provided all required documentation with no delays on my end. However, due to the lenders repeated postponements, my cash to close has increased, creating an unexpected financial burden. PennyMac has not clearly explained the reasons for these delays : I am requesting : - A clear explanation for the delays - Compensation in the form of lender credits or excluding payoff interest accrued between XX/XX/XXXX to XX/XX/year>. - Timely completion of the closing disclosure on the scheduled closing date of XX/XX/year>. I hope this complaint results in a fair resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My payment due date fell on XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Under the Credit CARD Act of 2009 ( 15 U.S.C. 1666 ), a creditor can not treat a payment as late when the due date falls on a Sunday or federal holiday the next business day applies. Despite this, American Express charged me a late fee. I contacted American Express via chat and phone. I cited the Credit CARD Act and 15 U.S.C. 1666 explicitly. Two representatives, including a supervisor named XXXX, refused to reverse the fee and stated the charge was legitimate. A ticket was opened ( reference : XXXX ) but no resolution was offered. This is not a waiver request. This is a legal compliance issue. American Express is in violation of federal law by upholding this fee. I am requesting the late fee be reversed and that American Express review their fee application practices for due dates falling on Sundays and federal holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
My vehicle was towed and placed in a tow yard. Westlake Financial Services received a 115-day notice from the tow yard before it was sold but chose not to repossess or recover the vehicle, stating it was not financially worthwhile. The tow yard subsequently obtained full legal ownership and retained all proceeds from the sale. I paid the Arizona DMV {$500.00} to cover the fine for abandonment. Despite these circumstances, Westlake is holding me fully liable for the remaining principal balance of the loan, plus approximately 20 % interest. I have continued making all payments since, even though I believe I should not be fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: GA

Complaint narrative:
This issue stems from XXXX. I had a XXXX then a follow up XXXX I had insurance at the time. ( I still have insurance, but it was a different insurance provider then ). I received statements from the hospital showing {$0.00} due as the insurance was pending, then continued to receive statements like that. I never received a bill from the hospital. In XXXX I received a collection notice from this company and responded via their online process explaining that if I do owe it, I'd like to see the accounting for it. I did not hear anything back. In XXXX I received another collection notice from this company and responded again asking for an accounting for the amount due. I did not hear anything back. Today ( XX/XX/XXXX ) I received a text message from this collection company with no information, just a place to put my payment data. I am not going to send them money when the hospital only sent me {$0.00} amounts due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi there, I reached out to Bank of America in XX/XX/year> ( mid to late XXXX ) due to the inability to pay my bill for the previous two months because of a reduction in my income and increase in living expenses. I discussed hardship programs with them and we selected one that Bank of America told me would make me current on my bills ( past due amount back to {$0.00} ) and I would start the hardship program at a reduced monthly amount. After I started the hardship program and made my first payment, they refused to acknowledge that they also would bring my past due amount to {$0.00} ( not wipe what I owed but reincorporate it into my full amount due ). I have called Bank of America multiple times since then asking for options as this issue was due to their representative telling me I would have my past due amount wiped. They have given me no options but to pay it. They also said they will keep reporting me past due until I pay it. Half the reason I did the hardship program picked was for the wiping of my past due amount to bring my account current. Bank of America is taking no responsibility for their verbal mistakes ( this was all done via a phone call ). I dont know how to keep them accountable for their actions so Im reaching out here in the hopes you can. Sadly all correspondence has been verbal ( on calls ) and the only document I have was received by me after I started the hardship program. Thank you

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: TX

Complaint narrative:
XXXX XXXX gave out credit to someone impersonating me, with the wrong address. i have lived in the same home i own for 5 years this year. I have filed a police report in the past, and now ive updated it. I also attached proof of my living address over the years. XXXX XXXX XXXX XXXX XXXX SUMMARY INCIDENT REPORT REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a care credit card from Synchrony bank that has a rewards program using points for gift cards. I bought XXXX virtual XXXX Gift Cards that were emailed to me and they do not work. When you call Synchrony bank they tell you they have nothing to do with the rewards issues yet its under their bank. They tell you to call the rewards company which I did XXXX and they opened up a case. They then told me l have fraud on my account so they cancelled my credit card and sent me a new one. They refuse to give me my points back of a new XXXX gift card after I spent months saving up points for the gift cards. All XXXX XXXX gift cards did not work! I think they are fake. The email they sent about the case after the investigation was a fake website address.

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 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am writing to dispute three collections accounts that appear on my credit report. I have reason to believe that all three accounts are not a valid debt, as the debt collection agency listed on my credit report, Jefferson Capital Systems , LLC, does not have a license to operate in the State of Michigan, where I reside. I have enclosed evidence to support my claim, including a copy of the business current licenses according to the XXXX XXXX XXXX XXXX ( XXXX ) and a copy of my driver 's license, which confirms my residency in Michigan. As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, Michigan law requires debt collection agencies to obtain a license from the Michigan Department of Licensing and Regulatory Affairs ( LARA ) before engaging in debt collection activities in the state. Given that Jefferson Capital Systems , LLC does not have a license to operate in Michigan, I request that you immediately remove these collections accounts from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC
State: NE

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX, which is reporting an alleged auto-related credit account that I dispute. I sent a written debt validation request via certified mail, which was delivered on XX/XX/year>. I requested full validation of the account, including the original signed contract, complete payment history, and documentation supporting the accuracy of the balance and reporting. As of today, XXXX XXXX XXXX has failed to provide sufficient documentation validating this account. Despite my dispute, the account continues to be reported to consumer reporting agencies. Under the Fair Credit Reporting Act, a furnisher of information must ensure maximum possible accuracy and conduct a reasonable investigation when a dispute is received. Because XXXX XXXX XXXX has failed to validate this account, I dispute its accuracy and completeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
I ordered car parts from someone found on XXXX, they never sent the materials after I paid them through Paypal/XXXX XXXX XXXX {$850.00} I have tried getting help from Paypal, XXXX XXXX etc. NO HELP FROM ANYONE It is a very long story, you can contact me directly at XXXX Paypal Trans ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

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. This account has caused me tremoundous pain and suffering. Im not able to be approved for things I normally would qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, many of my accounts were compromised. I alerted Citibank right away. They assured me that the charges would be reversed. Here we are a month later, 7 phone calls, and NOTHING. 2 of the 9 fraudulent charges are flagged as " disputed ''. They are all fraudulent. I called and email XXXXXXXX XXXX and told them these were fradulent and sent an email. I received confirmation, but they still processed the order. They sent to an address in XXXX I've never seen before. I provided that info to the police to no end. I let Citibank know multiple times. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Eligible for CitiFlex Pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} Disputed XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$130.00} Eligible for CitiFlex Pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9.00} Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I requested validation of a debt being reported and collected by Vance and Huffman related to a XXXX XXXX loan. While a promissory note was provided, the company failed to provide a full itemized breakdown of the balance being reported. The original loan amount was {$1.00}, yet the current balance is reported as {$1500.00}. No detailed accounting has been provided showing how this balance was calculated, including payment made, fees applied, and interest charges. Additionally, the account is being reported inaccurately, as the original creditor listed does not match the entities referenced in the contract, creating inconsistency in reporting. Because of the lack of proper itemization and inconsistent reporting, the balance is inaccurate and uverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NE

Complaint narrative:
I am submitting this complaint regarding Southwest Credit Systems, which is reporting and attempting to collect on an alleged collection account that I dispute. I sent a written debt validation request via certified mail, which was delivered on XX/XX/year>. In that request, I requested full validation of the alleged debt, including a copy of the original agreement, a complete payment history, and documentation proving the companys authority to collect. As of today, Southwest Credit Systems has failed to provide sufficient documentation validating this account. Despite my dispute, the account continues to be reported to consumer reporting agencies. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector must provide proper validation and conduct a reasonable investigation when a dispute is received. Because Southwest Credit Systems has failed to validate this account, I dispute its accuracy and validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I previously got a complaint on this and spoke with the representative named XXXX from Wells Fargo executive office, and she assured me that she sent my statements for the account in the mail and said it was open for XX/XX/XXXX to XX/XX/XXXX. This was my third promise for these statements and I still havent got them. I left her a voicemail. I havent heard back and I never got the statements mailed as a result of the voicemail either so that wouldve been the fourth time I asked this makes the fifth.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My XXXX card was automatically transferred to a bank I have never had a relationship with. ( Wells Fargo ) I did not ask Wells Fargo ever to open an account in my name

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 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
In accordance with the fair credit reporting act convergent account Portfolio Recovery has violated my rights.15 usc 1681section 602 state I have the right of privacy.it also states a consumer Agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a loan on a open consumer as late in a purpose account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2026 I was seeking to negotiate my Debt collection owed to national debt collections. I was transferred to a supervisor by the name of XXXX I believe the first attempt I called to negotiate did not go well because he did not want to settle. I completely understood and I told him I would call back which was a total mistake. I choose to put the conversation on voice recording on because I wanted to document any negotiations. But instead the supervisor was super upset that I was recorded the conversation because he was very disrespectful the first time I called. I will attach the video of the recording to this claim. I suffered a XXXX XXXX that affected my ability to work which forced me to break my lease. There for my collection was transferred to this company that will absolutely not help you at all instead will bully you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP
State: NY

Complaint narrative:
I received a debit card from KeyBank. I never opened an account with them. I called them and they said the debit card number didnt exist. They asked for my social security number. I wasnt comfortable with sharing. I was transferred to the fraud people. They looked up the number and said its not in the system. I told them I never activated the card because I thought it was a scam. She said that even if it wasnt activated, shed be able to see it. I told her the number to activate it ( XXXX ). She tried to call it but wasnt able to meaning that she was blocked from that number. She then didnt have any other way of helping me. She advised me to just not activate it and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am filing a complaint against Carrington Mortgage Services regarding the improper denial of mortgage assistance and failure to properly handle my account during a trial payment plan. I entered into a trial payment plan and made efforts to remain compliant. On or about XX/XX/year>, I noticed that my ACH payment had not processed successfully. I immediately contacted Carrington Mortgage Services on XX/XX/year> and was advised that the payment was still showing as processing in their system and that I should wait. I made multiple follow-up calls on XXXX, XXXX, and XXXX attempting to resolve the issue proactively before the account was marked late. During these calls, I relied on the guidance of Carrington representatives and was not instructed to make an alternative payment to ensure compliance with the trial plan. Despite my repeated efforts to resolve the issue before any delinquency, Carrington later denied my assistance application, citing non-payment and failure to complete the trial period. This decision does not accurately reflect my actions, as I acted in good faith, proactively contacted the servicer, and followed their instructions. Additionally, I have reapplied for assistance and received requests for additional documentation, which indicates that my case may still be under consideration. However, I am now facing potential foreclosure due to this improper denial. I am requesting the following : 1. A full review and reversal of the denial decision 2. A manual override or reinstatement of the trial plan or equivalent loss mitigation option 3. A temporary hold on foreclosure activity while my application and dispute are under review 4. A detailed explanation of why my proactive efforts and documented calls were not considered I have supporting documentation including call logs, correspondence, and evidence of my attempts to resolve the issue before any default. Carrington Mortgage Services handling of this situation has placed me at risk of losing my home despite acting in good faith. I am requesting urgent intervention and review of this matter.

Company response to consumer: Closed with explanation