vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
Starting on XXXX Honda Financial Services sent tow agents who accessed my property using a device to bypass a gate code. On XXXX a security guard communicated to tow agents they needed to leave and come back during normal daytime hours. Honda was unreachable XXXX I sent a XXXX payment XXXX XXXX My family and I suffered a water heater bursting and had to turn the water off to the house. The next day XX/XX/scrub>XXXX the tow agents continuously circled my home while my plumber was there trying to help us replace our water heater. On XXXX  at XXXX XXXX XXXX XXXX XXXX bypassed the gates security gate and hooked our car on. We asked them how they got through the gate twice and asked what the code was twice. One of the tow agents who arrived in a sedan told me they used a device that bypasses security gates so they can get in wherever they want to. After this the driver with the truck started using profanity and intimidation with threats of arrest. I called the police but they did not want to respond if they were leaving. One of them was laughing at us. When I spoke with office management on XXXX  they confirmed this was an unauthorized entry and was not approved or allowed by them, the tow company must possess a gate code in order to be authorized to enter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I am a XXXX consumer. I obtained a title loan from TitleMax/TMX Finance secured by my XXXX XXXX XXXX XXXX TitleMaxs customer portal reflects the loan originated on XX/XX/XXXX, with an amount of approximately {$4500.00}. 

After the loan was opened, I obtained copies of my loan documents and discovered multiple versions of the contract/pawn ticket, with different dates and different terms, even though I did not agree to or sign multiple different contracts. For example : One contract version reflects a pawn transaction date of XX/XX/XXXX and lists Amount Financed {$4000.00}, with a finance charge and total of payments shown as {$4600.00} ( due date shown as XX/XX/XXXX ). 
Another version reflects a pawn transaction date of XX/XX/XXXX ( and/or the portal-originated date ) and shows different figures/terms than the XX/XX/XXXX version. 

In addition, the contract ( s ) reflect inaccurate or altered personal identifying information. The agreement lists my drivers license issuing state/agency as XXXX XXXX XXXX XXXX even though I am a XXXX  resident and did not provide XXXX identification or authorize any change to my identifying information. 

I disputed these issues with TitleMax and attempted to resolve them directly. Instead of correcting the records or providing clear documentation explaining why there are two different contracts/terms and why my identifying information shows an incorrect state, TitleMax and its attorneys continued collection activity and proceeded with repossession actions. My vehicle was repossessed on or about [ REPOSSESSION DATE ]. 

I have recordings and transcripts of calls with TitleMaxs attorneys documenting my dispute, my requests for clarification/correction, and TitleMaxs failure to resolve the discrepancies in the loan documentation and identifying information. I have also retained a copy of a friend of mines contract with Titlemax. They have also changed his residential state in the contract to XXXX and he is a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: IL

Complaint narrative:
There was some sort of issue with my card it was possible that it was stolen but it could have been internal in hindsight with everything going on currently but essentially my account status went from XXXX to XXXX which is literally impossible because the type of credit that they give doesn't actually use credit uses the money that's on the balance so it's not possible for me to have a negative balance without excessive fees or money being stolen so the negative was a direct indicator that something had went wrong I reported it to the police and to Mercury while the police did the investigation Mercury gave me a credit I took the credit put it in my actual business account and then Mercury took the credit back and then they gave the credit back and then close the account less than 24 hours after they gave the credit back and they did not say the reason they closed the account not until 24 to 48 hours after they had my {$400.00} that they had no business having {$400.00} was sent to the closed account through dubious means or by mistake the {$400.00} should have been immediately sent back because the account was closed but the account wasn't actually closed it was restricted in a way that took away funds and access to any incoming funds from me. I was notified when it was closed that any incoming payments will be bounced back as the account was closed when the {$400.00} was sent to that account I got a notification saying that it accepted my {$400.00} payment but my access was restricted I have no way of getting access to that {$400.00} without reaching out and that if I reach out they can have the payment bounce back or send me a check for the amount that was sent this notification was not honored. The notification also said that any incoming payments in the future would be automatically bounced back as they should be it illegally accepted funds to an account that was detailed to be closed but was open in a predatory way to receive my money and then slap closed like a venus fly trap when the account was officially closed it was closed in positive standing there was XXXX  on the account they returned the credit which should have returned {$200.00} but the account was being charged the entirety of the time while this went down

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I lost my home on XXXX XXXX and I have been fighting with this Mortgage company Carrington Mortgage Services LLC and XXXX XXXX XXXX to obtain my deeds for my property. Which was deemed a total lost. Rather than the company rightfully turn over my deeds to my property they decided to process an illegal foreclosure and close out an insurance claim that was in my name with out me being aware of there actions. I have lost my family my home XXXX to this fire an now I have these to companies or this one owner of these to companies stealing what I have left in my life my only property. I asking for them to turn over the deeds and ownership of my property and stop any further illegal activity aginst me and my property. I have documents proving the dates of the fire lost as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received a payment from a friend 's uncle through his coworker, on the XXXX XXXX XXXX XXXX I then transferred the money to this friend via remittance, and about 2 or 3 weeks later, I was notified that I was kept from online access to my Wells Fargo account until their investigation was done. Because of this, I an unaware of any transactions going on in my account, and am unable to access my savings.

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 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: WI

Complaint narrative:
I sold my car back in XXXX of XXXXI am weekly getting threats against my credit to make another loan payment on a vehicle that has been paid off from the car dealership that sold it. They are trying to get me to make another payment. Again, the car has been paid off by the car dealership and they are threatening to report my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Care Credit Synchrony Bank. No matter what they have responded, we have never been able to create a log in, get a statement of our account. After multiple calls to customer service we were able to close the card, pay a bill for who knows what, and cancel the card. Every time we tried to reset a password- we got a code number- which just hung up when we tried to reset the password and get a log in. We had Care Credit for years - no problem. When we upgraded to Synchrony Bank - that is when the problem arose.

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 2026-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: AZ

Complaint narrative:
I have private student loans serviced by Sallie Mae that have become unmanageable despite my attempts to work with the company. I have requested information and assistance regarding forbearance, in school deferment, and alternative hardship based repayment options. 

While I was placed into deferment, interest continued to accrue and capitalize, significantly increasing my loan balance. I was not clearly informed of the long term financial impact of these options or offered meaningful alternatives to prevent my balance from growing. 

I contacted Sallie Mae to request flexible repayment or hardship options due to financial hardship, but I was not provided with reasonable or sustainable solutions. The options presented do not address affordability and place me at risk of default. 

I am requesting a full review of my account, including interest calculations, capitalization practices, and any available hardship based repayment options. I am seeking transparency and assistance to make these loans reasonably repayable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GUARANTEED RATE INC.
State: MO

Complaint narrative:
I applied for a loan in XX/XX/. The mortgage broker pushed me towards a conventional loan even though I specifically requested a FHA loan. She stated that she could get a 3 % down conventional loan with better rates. I had to bring an additional 2 % to closing as she told me a few days before closing that I needed to have 5 % down. I am selling my house and have discovered that it would not have qualified for an FHA loan. The mortgage broker and the listing agent ( who referred her ) were working together and I believe misrepresented information to push me to a conventional loan product.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received an email saying I was due to make a payment of {$30.00} and have a balance of {$940.00} from XXXX, Synchrony Bank. It also said the payment is due on XX/XX/26. I tried to call Synchrony Bank but they will not talk to you on the phone, its an automated system, until you enter your social security number and Im not going to do that because this not my debt. 

After looking, the debt is on XXXX of my credit reports? An inquiry was made, it was not me! 

There is no account number on the email.

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 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: TX

Complaint narrative:
In XX/XX/XXXX, I entered into a home security monitoring agreement with XXXX XXXX XXXX for a XXXX initial term. I made consistent monthly payments and fulfilled the full contractual obligation through the end of the initial term in XX/XX/XXXX. 

After the initial term was completed, I canceled the service. No new contract or written renewal agreement was executed. Despite this, charges continued to be assessed based on an automatic renewal provision, which I dispute and did not authorize beyond the original contract term. 

In XX/XX/XXXX, I was contacted by Zions Debt Holdings, LLC regarding an alleged past-due balance related to this account. The collector claimed a balance of approximately {$490.00}, later increased to over {$600.00} with added interest and fees. 

Upon receiving the collection notice, I disputed the debt in writing and requested validation under the Fair Debt Collection Practices Act. I asked for documentation showing a legally enforceable obligation after the original contract term, proof of authorization for renewal, proof that services were rendered during the period in question, and proof of the collectors authority to collect. 

In response, the collector repeatedly stated that paperwork had already been sent and instructed me to provide proof of payment or cancellation from years earlier. The collector did not provide a signed renewal agreement, proof of continued authorization, proof of services rendered during the alleged delinquency period, or documentation establishing their legal right to collect. 

Despite the debt remaining disputed and unvalidated, the account has been reported to consumer reporting agencies and has negatively affected my credit. When I reiterated my request for validation, a representative of the collection company stated they would not go back and forth and told me to proceed how you think is best, effectively refusing to validate the debt while collection and credit reporting continued. 

I am submitting this complaint because the debt has not been properly validated, yet collection efforts and credit reporting continue. I am seeking resolution requiring the company to either provide lawful validation or cease collection activity and correct or remove any inaccurate credit reporting associated with this disputed account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Issue type : Credit reporting Product : Credit report What happened I am submitting this complaint to dispute the inaccurate reporting of bankruptcies on my credit reports. 

I have requested that the credit reporting agencies remove any bankruptcies that are being reported under my name. These bankruptcies are inaccurate and should not be appearing on my credit reports. Despite making this request, the bankruptcies continue to be reported. 

The presence of bankruptcies on my credit reports is incorrect and is causing significant harm to my credit profile. This information is not accurate and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
" I am filing a complaint against ( PHH Services ) for inaccurately reporting my mortgage account as [ XXXX days late ] to the credit bureaus. I'm working with my Mortgae PHH Services, they have recieved my compelete application. I had to work few other supervisors because they were poor communication, mishandled assistance/modification applications, misapplied payments, lost documents, unhelpful staff ( including managers ), and bureaucratic delays, leading to significant frustration I told them i had a very bad fall last year 2024 and made me have very bad finanshial hardship. They have accepted my application and said will take 30 days. They will see what best program is best fits my hardship. Forbearance/Modification ] programs. I have been abiding by the terms of this agreement and have paid RAFT assistance payment, full amount {$3400.00}. As agreed. Despite this active assistance, my credit report incorrectly for months XXXX and XX/XX/XXXX. I have already contacted the servicer on XX/XX/XXXX to fix this, butthey told me to write to their research department and they will investigate. I request that the inaccurate reporting be removed immediately and my account be reported as current in accordance with the hardship agreement. '' They also have told me that the credit report wont be reported and it did because i tried to apply my home euity and i cant because it stated from a loan XXXX that my mortgage is late XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consuegra & Duffy, P.L.L.C.
State: FL

Complaint narrative:
Dear Sir or Madam, I am submitting this formal complaint against Consuegra & Duffy , P.L.L.C . for withdrawing money from my wages and/or my bank account without my consent and without any prior notice. 

I was never informed in advance that any garnishment, levy, or automatic withdrawal would take place. I did not authorize Consuegra & Duffy , P.L.L.C . to deduct funds from my salary or my bank account, nor was I properly notified of the origin, validity, or amount of the alleged debt they claim I owe. 

These withdrawals caused financial hardship and were made without my knowledge or permission. To this date, I have not received any clear written documentation explaining the legal basis for these deductions, including a court judgment, garnishment order, or lawful authorization. 

I believe these actions may violate federal and state consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), as well as applicable Florida statutes regarding debt collection and wage or bank account garnishments. 

I respectfully request a full investigation into this matter and ask that appropriate action be taken to address these unauthorized withdrawals. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: CO

Complaint narrative:
Was a Seller on XXXX. XXXX Placed a Hold on the funds buyer paid. XXXX Charging us Erroneous fee ( {$68.00} ). Penalty.? Fine.? XXXX has blocked us from doing anything with that account which we find has no good reason. Our Position and who we are : Any Item Listed For Sale is not Sold until it's paid for with the funds clearing and deposited with confirmation of that those funds have cleared and are deposited. Seller on XXXX for XXXX years. XXXX seller rated at 100 %. No Buyer complaints ever. In a XXXX XXXX since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, some of which were as much as XXXX on XXXX XXXX. Always had met all shipping requirements in a Timely manner to ship with Tracking in XXXX to XXXX. Our business is as Any Business has a standard business Policy to only ship when we have received payment for any Item Sold. We have had a previous issue with a scammer before. Ordered, Shipped to Buyer, then Returned, but NOT the same item we sold and shipped. NO SELLER PROTECTION .. Actual Breakdown of this sale Order Details : our Item listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with this XXXX XXXX XXXX XXXX. Total sale was {$310.00}. We never had any control over the Buyers Payment and we had to make multiple attempts and fight with XXXX to refund. With XXXX actual total fees to be only {$45.00}. Made several attempts to cancel the order as well as contacting the buyer to cancel to no avail from either. So this sale also looked more & more like a Scam. Getting XXXX to refund the Buyer was Difficult. So Where does the {$68.00} come from XXXX  With this being just a ( Penalty.? Fine.? ) Actually shows nothing more than XXXX XXXX and XXXX. Recently received notice that now XXXX has Started Collection by ( Professional Credit Service in XXXX XXXX ). Looks Just like a Fee ( Penalty.? Fine.? ) for them Holding the Buyers payment and demanding we ship the item without initially receiving the buyers Payment and then if buyer decides to return this item XXXX requires us to pay for the return shipping with no guarantee we ever get the item that was listed or it's not even the item we listed or shipped. We have the right to and reserve the right to cancel any order we have not received a payment for or feel that shows signs of possible Fraud and/or a Scam. Who Actually Suffered a Loss.? We did .. XXXX suffered nothing. They caused us a loss due to their failure to pay us and since they allowed a fraud previously and gave us ZERO protection, we won't and are not going to allow it to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
XXXX XXXX  is charging me XXXX % interest rates. I believed I was getting rates in accordance with The State XXXX which has caps well below this. I am XXXX and can not afford this. The account was opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
Debt Validation Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Radius Global Solutions Account XXXX I dispute this account in its entirety and demand validation pursuant to 15 USC 1692g. 
Provide the original signed agreement, itemized billing, assignment proof, and lawful authority. 
If validation can not be produced, delete immediately

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