vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding the mishandling of my vehicle payoff by Mazda Financial Services XXXX Toyota Motor Credit Corporation. I traded in my vehicle on XX/XX/year>. As part of the trade-in, the dealership was responsible for paying off the remaining balance on my auto loan. The dealership initially issued the payoff check to Toyota Financial / Toyota Motor Credit Corporation because Toyota Financial was listed as the lienholder on the Texas DMV records, and because Toyota Financial has a servicing/partnership relationship with Mazda Financial Services XXXX After that first payoff check was sent, Mazda Financial Services informed me that the check needed to be issued directly to Mazda Financial Services, not Toyota Financial / TMCC. Based on that instruction, the dealership voided the first check and reissued a second payoff check at the end of XXXX, payable as instructed. However, the situation was then mishandled by Toyota Financial / Mazda Financial Services. Toyota Financial apparently forwarded the first check to Mazda Financial Services, and Mazda Financial Services cashed or attempted to process that check. Because the dealership had already placed a stop payment on that first check based on Mazda Financials own instruction, Mazda Financial could not apply the funds. Instead of contacting the dealership or me to resolve the issue, Mazda Financial Services returned the second valid dealer-sent payoff check without consulting either party. As a result, my account still shows an outstanding balance even though the dealership already sent the payoff and I followed the instructions given by Mazda Financial Services. I did nothing wrong in this process. The delay and confusion were caused by Mazda Financial Services / Toyota Financials inconsistent instructions and improper handling of the payoff checks. I am now receiving repeated debt collection calls regarding a balance that should have been resolved through the dealer payoff. I am also concerned that I may be charged additional interest, fees, late charges, or face negative credit reporting because of Mazda Financial Services error and delay. I am requesting that Mazda Financial Services immediately correct my account, apply the proper payoff as of the original trade-in/payoff date, waive any interest, late fees, collection activity, or other charges caused by this issue, stop all collection calls, and ensure that no negative information is reported to the credit bureaus. If any negative credit reporting has already occurred, I request that it be removed immediately. I also request a written explanation of what happened, why the second valid payoff check was returned without contacting the dealership or me, and written confirmation that my account has been corrected and closed with no remaining balance caused by this mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
The Onity mortgage company created a mortgage without my knowledge or consent. When I tried to fix it I was asked by Agent XXXX who asked for my social security number when I refused, he gave me another number and I spoke to agent XXXX XXXX who transferred me to agent XXXX XXXX in Florida who transferred me to XXXX who did not have an agent number who transferred me back to Agent XXXX. XXXX XXXX who said could not transfer me now he is transferring and lied to me apparently the first he spoke to me to a XXXX representation. They are sending me around in circles. XXXX sent to XXXX from customer resolutions who sent me back to XXXX XXXX who once is asking for all my personal information. Who is sending to the lending committed the original fraud. She did not care. Sent me to customer XXXX XXXX XXXX XXXX assistant XXXX not licensed not XXXX originally said she was. Sent me to servicing team and refused to speak assigned to a loan officer but didnt and would not listen. When asked to speak to a XXXX Representative she transferred me to customer XXXX XXXX who hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am a XXXX XXXX XXXX and XXXX, working to support myself while XXXX XXXX I am paying {$1200.00} per month with insurance on my XXXX XXXX XXXX loan financed through Westlake Financial. My vehicle was declared a total loss on XX/XX/XXXX following an accident. My insurance company, XXXX, completed their settlement of {$14000.00} and has had a check ready and waiting since XX/XX/XXXX nearly 30 days ago, and over 45 days since the accident. Westlake Financial is refusing to provide a Letter of Guarantee to XXXX, which is the only thing preventing XXXX from releasing the payoff funds to Westlake. Westlake has raised a value dispute but has provided absolutely XXXX supporting documentation, evidence, or written justification for their dispute. They are obstructing a settled insurance payment with no factual basis. I have called Westlake Financial over XXXX documented times across the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX calls ), yesterday ( XX/XX/XXXX, XXXX calls ), and today XX/XX/XXXX ( XXXX calls ). Each time I am given contradictory information, transferred repeatedly, and told nothing actionable. On at least one occasion a Westlake representative falsely told me the Letter of Guarantee was with my XXXX company this is factually incorrect, as the Letter of Guarantee is solely Westlakes responsibility as lienholder. The direct financial harm I am suffering includes : Continuing to make {$1200.00} monthly loan payments plus insurance on a vehicle I can not drive and do not possess My rental coverage has expired due to Westlakes delay, leaving me without transportation I am an intern and student with limited income and can not absorb this financial liability indefinitely Westlake is holding this debt over my head while actively blocking the resolution XXXX XXXX XXXX XXXX ( XXXX, XXXX ) can confirm the settlement is complete and funds are ready. Westlake Financial has no legitimate basis to withhold the Letter of Guarantee and is acting in bad faith by stalling without documentation. I am demanding Westlake Financial immediately issue the Letter of Guarantee to XXXX or provide written, documented evidence of their value dispute within 15 days. Their conduct constitutes obstruction of a total loss settlement and is causing me ongoing, serious financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Paste this into * * What happened? * * : I am disputing any balance, interest, fees, collection activity, or negative reporting by Citibank/Citi Retail Services related to a Wayfair mattress purchase that arose from a failed merchant remedy after a Wayfair bed collapse. This was not a normal voluntary purchase debt. My Wayfair bed collapsed around XX/XX/year> under XXXX # XXXX. Wayfair was aware that I needed a safe sleep setup because the collapse left me without a safe place to sleep and worsened my mobility/pain issues. I repeatedly told Wayfair that replacing only the bed frame would not solve the problem because the mattress was also damaged/unusable and I needed a complete safe-sleep accommodation. Wayfair and/or its merchant/manufacturer partners later acknowledged the replacement mattress cost as reimbursable. Coaster confirmed reimbursement for a {$1500.00} replacement mattress, plus related assembly/removal costs. However, Wayfair then attempted to condition payment/reimbursement on signing a broad release that would affect my future legal rights, including injury-related claims. I refused to sign away future legal rights just to obtain reimbursement for a mattress that was needed because of the failed Wayfair bed. Because I needed safe sleep, I was effectively pressured into purchasing/replacing the mattress while the underlying merchant responsibility remained disputed. Citi is now treating the mattress-related balance as owed even though the charge is directly tied to Wayfairs failed remedy, unsafe-sleep situation, acknowledged reimbursement issue, and release-pressure conduct. I am not asking Citi to decide my injury claim against Wayfair. I am asking Citi to properly investigate this as a disputed credit-card purchase and stop treating it as an ordinary debt. Citi should not collect, add fees/interest, or report the disputed amount as owed while ignoring the merchant evidence showing the mattress cost was part of the collapse-related remedy and reimbursement dispute. I want Citi to open or reopen a formal billing dispute, mark the amount as disputed, suspend collection activity, correct or delete any negative reporting tied to this charge, remove interest/fees tied to the disputed amount, and provide the full investigation file and merchant evidence Citi relied on to claim that I owe this balance. For the publish checkbox under the box : I would * * leave it unchecked * * unless you want this public later.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XX/XX/XXXX there was a ACH deposit made from XXXX XXXX XXXX XXXX the amount of {$980.00} to the business checking account of XXXX XXXX XXXX XXXX the total balance was {$1200.00} on XX/XX/XXXX after the deposit was made. It was noticed that money was missing after a series of withdraw transactions were made from said business checking into XXXX XXXX account from XX/XX/XXXX to XX/XX/XXXX. There is a sum of {$140.00} missing and/or unaccounted for with regard to Chase Bank XXXX XXXX and XXXX in XXXX Michigan XXXX A appointment was scheduled for XX/XX/XXXX to resolve the discrepancy, I spoke to the manager and tried to resolve said issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I disputed an account reported by Caine & Weiner on my credit report related to XXXX XXXX in the amount of approximately {$450.00}. On or about XX/XX/year>, I disputed this account with the credit reporting agency, and it was verified as accurate. I then contacted the company directly and requested validation of the debt. The company responded and provided a billing statement ; however, they did not provide sufficient documentation to fully validate the account. No signed agreement, complete account history, or documentation proving my responsibility for the debt was provided. Additionally, the documentation contains outdated personal information that does not match my current verified credit file. Despite my dispute and request for documentation, the account continues to be reported as verified and accurate. I am requesting that this account be properly verified with complete documentation or removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this response to formally and aggressively dispute your false and unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, and appears to be an intentional tactic to avoid your legal obligations. This dispute was filed directly by me, the consumer, and not by any third party. I am not working with any credit repair organization, credit counseling agency, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Conduct a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : 1. The name and contact information of the furnisher 2. The method used to verify the disputed information 3. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, and repeated non-compliance with federal consumer protection statutes. To eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID and proof of address. You now have no legitimate or lawful reason to deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-and-paste language is unacceptable, unlawful, and a direct violation of your duties under federal law.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Saturday, XX/XX/XXXX, I deposited {$270.00} into my Bank of America checking account. Of that amount, {$260.00} was expected to be automatically debited to pay my Bank of America credit card through AutoPay, which I had previously set up and relied on for timely payments. On Sunday, XX/XX/XXXX ( early morning ), I noticed that the automatic payment had not been processed. To avoid any issue, I immediately made a manual payment through the Bank of America online platform. On Monday, XX/XX/XXXX, I confirmed that the payment had posted ; however, I also discovered that Bank of America charged me a {$40.00} late fee, despite my actions to ensure payment. I contacted customer service to resolve this issue. During the calls, I spoke with multiple representatives and supervisors, and I was given inconsistent and progressively changing explanations, as outlined below : First explanation : I was told the payment was late. I pointed out that I had AutoPay enabled, which invalidated this explanation. Second explanation ( first supervisor ) : I was told that AutoPay had been removed and that I had been notified by email. I carefully reviewed my emails and all platform notifications and found no such notice. When I requested a copy of the notification, the representative refused to provide one. Final explanation ( second supervisor ) : The supervisor acknowledged that no notification was sent but stated that AutoPay had been canceled due to prior delayed payments. No advance notice was provided, and I was told that I should have been aware by reviewing the terms and conditions on the platform ; no notification shouls have sent from the bank. Throughout the process, the bank changed its explanation multiple times and ultimately admitted that no notification was provided, while still placing responsibility on me. Cancelling a payment service without notice and then applying penalties is unfair, especially when I reasonably relied on AutoPay being active. Additionally, the original due date fell on a Saturday. Based on common banking practices and federal consumer protections, when a due date falls on a nonbusiness day, payments made by the next business day ( Monday ) are typically considered timely. Therefore, even aside from the AutoPay issue, the late fee should not have been applied. I have attched the registry of notifications in the platform, there is no related notification to the suspension of the AutoPay service.

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 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I was enrolled for automatic payments I got an email on XX/XX/XXXX my payment was received. A few days after I get XXXX additional emails saying I unenrolled in automatic payments which I didnt then I get one on XX/XX/XXXX saying past due. I try calling their customer service line several times cant get through to anyone. I set up a XXXX payment to see if they would resolve the issue it did not keeps saying payment confirmed but no payments are being taking out and theyre trying to say Im not paying when Ive tried paying multiple times. I also have an email saying my balance was {$0.00} until next due date XX/XX/XXXX but on my account it still has past due.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XXXX XX/XX/year> approximately XXXXXXXX XXXX. I initiated a request to tranfer {$2500.00} from my checking account to XXXX to pay a bill. Once I placed the order, it notified me that the transaction would not be completed until XXXX. I realilzed that the money would not arrive soon enough ( as I need to pay my construction company an installment tomorrow ), I opted to cancel the transaction and write them a check. I immediately tried to cancel and couldn't locate the function. I tried to use the ( useless ) XXXX chatbot and when it was clear I was getting nowhere, I opted to call customer service. I waited approximately XXXX minutes only to be told the system would not allow cancellation of the transaction. When I questioned how that can be when their literature clearly says it is possible within XXXX minutes, the CS agent just repeated that the system doesn't allow cancellations. I asked to be elevated to her manager, which I know she wasn't actually going to do. As of now, I have been waiting XXXX minutes on hold for said manager. XXXX provided misleading information and now I am going to be stuck with {$2500.00} in my XXXX account, which I rarely use. I only did it to accommodate my contractor. They need to be called out for this deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that YOU, the credit reporting agency to immediately block and permanently remove the fraudulent accounts that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint [ XXXX ] ), along with PROOF that I was impacted by Data Breach. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights. This fraudulent, inaccurate, and false information consists of Accounts : ( XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/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 non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I am disputing the way my additional payments were applied to my auto loan. I made payments in excess of the required monthly amount with the intent that the additional funds be applied to principal. On multiple occasions during the term of the contract, XXXX accepted an extra payment of {$100.00}, which was intended to be applied to the principal amount due. XXXX really took some of that money and applied it towards interest. Their method is not only unfair but also very inconsistent in the amount they took. Sometimes it was XXXX, and other times, the amount exceeded {$50.00}. I contend that they should never have taken any money for interest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Chime Financial Inc
State: TX

Complaint narrative:
I was on a cruise XX/XX/XXXX through XX/XX/XXXX. I didnt have access to my phone Internet and I did not use ATM when I got off the cruise I checked my card and {$550.00} were taken off as ATM from XXXX Florida XXXX disputed it about XXXX times with CHIME and they told me nothing was wrong so they denied my fraud claim I showed them my boarding pass the past they put it on your luggage. I showed them pictures where I was on the boat and I showed them my last statement that says that my cabinet was clear of charges, but no ATM I did not use.

Company response to consumer: Closed with explanation