vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
I couldnt mark what has really happen to me. On XX/XX/XXXX I was rushed and mislead into a modification during Covid. After getting me and my house well because at that time we had XXXX I received paperwork saying my loan went from paying it off in XXXX which was a 30 year loan to adding XXXX to XXXX. I started buying my home on XX/XX/XXXX. At the time I had no job I was going through a lot and it took from XXXX to XXXX to even get through the modification. I kept sending in everything they asked get papers notarized that didnt need it to when the pandemic came I asked for help to the through this at me. I am not the most knowledgeable person on how this work but I knew in my heart it was wrong. Here I have been buying my home for 20 years never filed bankruptcy or anything. The only way I found out about XXXX was after I had been mislead. Rushmore never pointed me in that direction. HUD only offered counseling. I am XXXX XXXX XXXX I have XXXX children and XXXX grandchildren when I leave this world I pray its no time soon but if my loan stayed as it should my home would have been paid off in XXXX. They did me wrong it was way more they could have done. In XXXX Rushmore Loan Management sold the loan to Rushmore Services and when I asked how could I get this changed I was told you signed it Yes I signed it but I didnt know what was what I told the notary when he kept harassing me that we were sick and we all were XXXX  that did not stop him from coming out to my house. I need this fix its not fair to me or my grand babies I have worked so hard to keep this house ( my home ) I need some help it has cause me so much stress and sleepless nights. I told myself one day God will answer my prayer. He see and know it all. So on today I write and I am begging to help me get my loan like it suppose to have been. O

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding a vehicle loan with Westlake Financial Services that is being wrongfully reported against me despite the vehicle having been stolen and fraudulently transferred while I was XXXX 
I entered into a loan agreement with Westlake Financial on or about XX/XX/XXXX, for a XXXX XXXXXXXX XXXX ( VIN : XXXX ). On XX/XX/XXXX, I was arrested and XXXX  and have remained XXXX  since that time. As a result, I had no physical access to or control over the vehicle. 
Prior to my XXXX, I left the vehicle in the care of my wife. While I was XXXX  she allowed a third party to take possession of the vehicle under the pretense of replacing tires. The vehicle was never returned. 
While XXXX, I discovered that the vehicle had been fraudulently sold in XXXX, Florida in or around XX/XX/XXXX for approximately {$5000.00} by an unidentified seller. I did not authorize the sale, transfer, or retitling of the vehicle. I did not sign a bill of sale, power of attorney, or title transfer, nor did I authorize anyone to act on my behalf. 
Additionally, I discovered that : The vehicle title was transferred without my authorization A lien from XXXX XXXX appeared without my consent The vehicle was sold while still under an active lien with Westlake Financial Multiple title events occurred while I was XXXX I remain listed as responsible for the loan despite the vehicle being stolen I have filed a police report and submitted a supplemental statement documenting the theft, fraudulent transfer, and unauthorized sale. I have also obtained vehicle history and title records confirming these events. 
Despite this, Westlake Financial has continued to : Hold me responsible for the loan balance Report derogatory information to credit bureaus Refuse to acknowledge the theft and fraud State that I am still responsible for the debt This conduct violates the Fair Credit Reporting Act ( FCRA ) and constitutes improper handling of a fraud and identity theft situation. I am a victim of vehicle theft and fraud, not a voluntary defaulter. 
I am requesting that Westlake Financial : Immediately cease collection activity Remove all negative credit reporting related to this account Conduct a proper fraud investigation Provide written confirmation that I am not liable for this debt Correct all inaccurate reporting with the credit bureaus I am attaching supporting documentation including : Police report and supplemental statement Vehicle history report Proof oXXXX XXXX  Credit reporting showing the disputed account If this matter is not resolved, I am prepared to pursue all legal remedies available to me under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Remove unauthorized inquires from my reports from Capital One XXXX XXXX  And XXXXXXXX XXXX and check XXXX to rail my XXXX score with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
Received suspicious letter from McCarthy, Burgess & Wolf , Inc. from XXXX, OH stating I had credit card debt unpaid for a XXXX XXXX XXXX XXXX Letter asks to contact by XX/XX/year> to dispute debt. I do not own such a card. No To name stated and asked to pay {$2300.00}. Formatting of paper suspicious and debt amount suspicious ( looks like a made-up number which scrambled XXXX ). Do not want to contact because scam likely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I first opened an Advantage plus banking checking account on XXXX XXXX XXXX  through online.It was opened.After 2 3 days the bank closed my account without knowing me.When I called them they told its because of not having the balance in the account. This was a new account I should have given a day or 2 to transfer balance.They told me on the phone to go to bank in person and they will open me a new account.The next day I went to the bank and opened new checking account then after few days they even closed this new account because they told me of suspicious login which I didnt do any.When I called them they told me Bank of America doesnt want to bank with me anymore.

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 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am submitting this statement to formally report and document issues involving inaccurate and/or fraudulent information being reported in my name, which has caused significant financial and personal harm. 

XXXX XXXX XXXX for amount {$2300.00} on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX was in hospital bill was XXXX. I contacted financial assistance Utah emergency room physicians. Financial assistance said was paid.I sent many emails to check send was paid.I also called Utah physicians number XXXX XXXX XXXX .Told them financial assistance was on it yo pay .They told me alright nothing else need to do.Today is XXXX XXXX XXXX received letter from Mountain Land Collections said I owe for  Utah emergency bill.\nI wrote them a letter as well said financial assistance paid but I dont understand because I called them wrote them , emailed over 10 times.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This letter is in response to the letter dated XX/XX/2026, authored by XXXX XXXX, identified as an escalation representative. 

In that letter, XXXX states that in order to purchase a cashiers check, a customer is only required to present a valid government issued identification and have an active Wells Fargo account with sufficient fully posted funds. The teller is to confirm the account balance, the payee name, and the exact amount. I complied with all of these requirements.

The letter further claims that Wells Fargo performed a one pass verification code to confirm my identity. This is false. No passcode was ever sent to me, requested from me, or mentioned to me at any point during the interaction.

What actually occurred was that I was asked when the last deposit was made and by whom. I answered that the deposit was made by me and originated from another financial institution where I maintain accounts. Wells Fargo is not my only bank. I hold accounts with multiple financial institutions, including XXXX, XXXX XXXX, and XXXX. I also answered additional questions regarding the deposit amount when asked. 

At a later point, I was asked for my phone number. I questioned why it was needed since it is already associated with my account. At no time did the teller request verification of the number or initiate any passcode process. No verification code of any kind was used, despite what is stated in the letter.

I requested to speak with a manager. A manager was never called, despite my request being made more than once. Instead, another teller was brought over. When I asked whether she was a manager or familiar with bank policy, she stated that she could explain the policy to me. 

The letter falsely states that I requested access to a secured computer. That did not occur. The desk she referenced had a computer that was turned off, and at no point did she attempt to show me, access, or reference a computer. We were standing during this interaction, did not sit down, and did not review any system or screen.

The second teller later provided me with her business card while we were standing and walking to another desk. A manager was still never involved. I again questioned why I was speaking with a teller instead of a manager and received no response.

I was then told that this same teller could file a complaint on my behalf. This was inappropriate, as she was one of the individuals whose conduct I was attempting to report. 

The account of events described in XXXX letter is inaccurate and misleading. It reflects a narrative that did not occur and contradicts what I explained directly during our conversation. Because the facts were being misrepresented, I ended the call.

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 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I AM IN A CONVENTIONAL FORGED TO MAKE IT LOOK AS IF IT " S A VA HOME LOAN. THESE CALCULATIONS ON THIS BANK STATEMENT SHOWS THAT IT " S NOT A VA LOAN

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 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am submitting this complaint regarding a stale-dated check issued by Synchrony Bank in the amount of {$13000.00}, which has been outstanding for over 18 months.

Despite repeated attempts to resolve this issue directly, Synchrony Bank has failed to provide a resolution or even confirm the disposition of these funds.

Issue Summary : I attempted to have the stale-dated check reissued and requested account history. Synchrony Bank responded that there was no account history associated with my Social Security number, preventing reissuance. 
When I attempted to deposit the check at my bank, I was informed that the check was not backed by any funds.

I checked the U.S. Treasury unclaimed funds database, and the check does not appear as unclaimed, indicating it has not been properly escheated.

This creates a situation where the funds are effectively lost, despite being owed to me, and Synchrony Bank appears to have failed its obligations to track, honor, or escheat the funds.

Legal and Regulatory Considerations : Banks have a duty to maintain accurate account records and either honor outstanding checks or report and transfer uncl
aimed funds to the proper state authority. The lack of account history or escheatment documentation raises serious concerns regarding Synchrony Banks compliance with state and federal regulations.

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 2026-01-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WV

Complaint narrative:
My husband had a direct express card that his insurance was automatically deducted from.i contacted direct express ask them for print out of his account from XXXX to XXXX and they refused told me it didn't matter if I was his wife power of attorney and guardian that they couldn't give that info to me. And the acct has been closed. This isn't right I'm trying to take care of his funeral bills and I need those statements for proof of payment.they are meddling with my family 's financial affairs in settling my husband 's estate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CCM Finance LLC
State: TX

Complaint narrative:
My vehicle was repossessed by CCM XXXX Finance LLC. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX despite payments made under an agent-approved payment arrangement. 

My XX/XX/XXXX payment was past due. On XX/XX/XXXX, I spoke with a CCM Financing agent named XXXX. I explained I could make the XXXX payment in two installments. The agent required that I make a payment during the call, which I did ( {$100.00} ), and then set up automatic payments for Sunday the XXXX and Wednesday the XXXX using the same card. 

I relied on the agents instructions and was advised that these payments would bring my account current. At no point was I informed that my payments would be allocated in a way that left my monthly payment unpaid or that my vehicle would remain subject to repossession. 

Despite this, my vehicle was repossessed. When I questioned this, I was told I have no grace period and that I am late anyway, ignoring the fact that the alleged delinquency is the result of CCM XXXX Finance LLC, internal payment allocation and agent guidance. 

I am disputing this repossession as wrongful due to agent misrepresentation and improper application of payments. I am requesting reversal of the repossession, waiver of all repossession-related fees, correction of my account status, and written confirmation of findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this complaint against Capital One Auto Finance regarding their refusal to provide reasonable hardship assistance despite my perfect payment history. 
I have never missed a payment on this loan. I am a responsible borrower and I contacted Capital One proactively to request assistance not because I can not pay, but because I am a primary caregiver for my mother and have exhausted my retirement savings providing care. 
I specifically requested a permanent interest rate reduction that would lower my monthly payment by {$150.00} {$200.00}. I am not asking for forgiveness of debt, deferment, or to miss payments. I am requesting a long-term modification to make my loan sustainable while I remain current. 
Capital One representatives told me that no hardship options are available unless I first miss a payment and allow my account to become delinquent. I was instructed to intentionally enter the grace period so another department might review my account for options. 
This is unacceptable. I am being told I must damage my credit and risk penalties before I can receive assistance despite a flawless payment history. 
I also asked that my request for assistance be formally documented, and I was told the calls are recorded but no hardship case would be created. 
I believe this practice is unfair, deceptive, and discourages responsible borrowers from seeking help early. It rewards delinquency and penalizes proactive consumers.

I am requesting that Capital One : Assign a hardship case manager Review my account for a permanent interest rate reduction Provide written disclosure of all modification programs Consider my strong payment history and caregiver status I have recordings of these calls available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Account LVNV FUNDING XXXX I am unaware of this that and did not have the opportunity to dispute this account. If you believe you sent a proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase closed my credit card account without prior notice, later stating it was for a security issue. After the closure, I contacted Chase multiple times to ask about reopening the account which they said they could not. I accepted this and asked about the status of my XXXX XXXX XXXX Rewards points. I was told that I could transfer or redeem my points any time. At no time during these calls was I informed that there was a 30 day deadline to complete the transfer. 

When I later attempted to transfer my points, I was told the points were gone because too much time had passed. A supervisor later stated that the deadline existed in the cardmember agreement, but Chase failed to disclose this material limitation during any of my calls, despite my direct questions about the fate of my points. 

Had Chase informed me of the deadline, I would have transferred the points immediately. The loss occurred solely due to lack of disclosure, not customer inaction after notice. 

I am requesting reinstatement of my Ultimate Rewards points or a courtesy extension to transfer them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the collection account being reported by XXXX XXXX XXXX XXXX on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

After reviewing my credit report, I have determined that this collection account is inaccurate, incomplete, misleading, and/or not properly verified. I am requesting a full reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ).

Please note the following legal requirements : - FCRA 607 ( b ) requires consumer reporting agencies to ensure maximum possible accuracy of information reported.

- FCRA 611 ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation of disputed information.

- FCRA 611 ( a ) ( 5 ) requires deletion of information that can not be verified.

- FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

- FDCPA 809 ( a ) - ( b ) requires debt collectors to provide proper validation and proof of legal authority to collect or report an alleged debt.

I am requesting strict proof of this account, including but not limited to : 1. Documentation proving I have a legal obligation to pay this alleged debt. 
XXXX. The name and account number of the original creditor. 
XXXX. A complete chain of title showing XXXX XXXX XXXX LLCs legal ownership of the alleged debt. 
XXXX. The date of first delinquency, as required for lawful reporting. 
XXXX. Copies of any contracts, applications, or billing statements bearing my signature. 
XXXX. Proof that XXXX XXXX XXXX XXXX is authorized to collect and report this debt in my state. 

If XXXX XXXX XXXX XXXX can not provide competent evidence that this account is accurate, legally enforceable, and properly reported, you are required by law to delete this account from my credit file immediately. 

This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is a formal request for verification and compliance with federal consumer protection laws. 

Please complete your reinvestigation and provide written confirmation of the results within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Report Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I NEVER DID BUSINESS WITH THIS COMPANY. IT IS ILLEGAL TO GIVE ANY OF MY INFORMATION TO ANY COMPANY WITHOUT MY CONSENT. I WOULD LIKE A COPY OF MY WET SIGNATURE -, SHOWING I DID BUSINESS WITH THIS COMPANY.

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