vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: Garrison Investment Group
State: NC

Complaint narrative:
I am filing a complaint regarding two loan accounts with Foundation XXXX XXXX related to residential construction financing. The total loan amount is approximately {$100000.00} across two accounts. The loans were issued in connection with a contractor who was later determined to be unlicensed, and there are significant concerns regarding the validity of invoices submitted and paid through this financing arrangement. In addition to these issues, there are serious concerns regarding account servicing and billing transparency. Both accounts accrue interest daily ; however, I have not received any periodic statements or invoices since approximately XXXX 2025. The last statements issued showed balances of approximately {$68000.00} and {$31000.00} respectively. Despite ongoing interest accrual, no updated statements, billing notices, or payoff balances have been provided since that time. This makes it impossible to verify the accuracy of the balances, interest charges, or total amount owed. I am concerned that this lack of periodic statements and account transparency may violate applicable lending and servicing requirements. I have attempted to understand and reconcile these accounts but have not been provided sufficient information to do so. I am requesting : A complete and accurate accounting of both loan accounts An explanation for the absence of periodic billing statements since XXXX 2025 Verification of all charges, interest accrual, and payments applied Clarification of the relationship between Foundation XXXX XXXXXXXX and the contractor involved in this transaction Given the issues with the underlying contractor, the billing irregularities, and the absence of statements, I am seeking a resolution of these accounts and clarification of my obligations. I am also currently pursuing legal remedies related to this matter and request that this complaint be handled with appropriate urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
During the XX/XX/XXXX winter storm my vehicle was damaged which I submitted a claim to auto insurance on XX/XX/XXXX, the vehicle was declared a total loss with settlement amount of {$32000.00}. The car insurance paid the bank lender Santander XXXX XXXX XXXX and immediately paid bank and moved the car to yard but the bank to this day have not given me any updates on loan balance and have not reflected the payment they have received from the insurance, and instead they have sent a 30 day late payment for XXXX to the credit bureaus while they have gotten paid the settlement from the insurance. I have never been late with this lender I have always been on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: Self Financial Inc.
State: TX

Complaint narrative:
This is a follow-up complaint regarding a prior CFPB complaint that was closed without resolution. The company has issued a final denial of my dispute without providing any supporting documentation or evidence. The company claims that a hotel reservation was made under my name ; however, this is incorrect. I confirmed with the merchant that my name was not associated with the reservation, and I was unable to obtain assistance due to lack of association with the booking. The company has refused to provide any documentation supporting their conclusions, including reservation records, identification verification, or signed check-in documentation. A certified written reinvestigation request was received and signed for on XX/XX/year>. T he company failed to properly acknowledge and investigate this dispute within the required timeframe under the Fair Credit Billing Act. I submitted a formal request for documentation. The company responded by stating that not all disputes have documentation, while continuing to assert that the charge is valid. I also previously submitted a notarized statement confirming my location at the time of the transaction via certified mail. As of now, the company has refused to provide evidence, failed to properly investigate, and continues to retain funds related to a disputed charge without adequate support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I am trying to access my activity history from a browser for PayPal. The " Activity '' page only displays a QR code to download an app and will not show me my transaction activity without downloading their app. There is no way to close or get past the request to download the app, even though the app is not required to make purchases with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
No mortgage account under my name for my property.

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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: WA

Complaint narrative:
I am disputing a rental collection account reported by Qualia Collection Services ( OCS ) in the amount of {$48000.00}, originally from XXXX XXXX. I requested full validation of this debt. In response, the collection agency provided only a copy of my lease, a summary statement with total charges, and an unsigned, undated document that they claim is from the property. This document does not include a name, signature, date, or sufficient identifying information to verify its authenticity or origin. They did not provide a complete itemized ledger or payment history showing how the balance was calculated. The documentation provided also indicates that rental assistance payments were received on my behalf during the COVID-19 period, but it appears these payments may not be fully accounted for. The document itself suggests that additional payment verification may be needed. Despite this, the collection agency continues to report and attempt to collect the full {$48000.00} balance without providing sufficient documentation to verify the accuracy of the debt. I sent a follow-up written request for proper validation via certified mail. As of now, I have not received adequate documentation to support the amount being claimed. I am requesting that the debt be fully validated with complete documentation, including a full payment history and accounting of all rental assistance, or removed from my credit report if it can not be properly verified. This issue has directly resulted in my inability to secure housing, and I am currently homeless as a result of this disputed and unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I submitted a claim for the Cash App class action lawsuit and despite all the proof I sent they denied the claim, so I did an appeal before XX/XX/XXXX and on XX/XX/year> they denied it again without reason and would not allow me to properly appeal the decision within the set time frame and I had no way to contact them over the phone to get this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I purchased a vehicle from XXXX XXXX auto boutique in XXXX XXXX XXXX it had no gas annd had a problem with the breaks but I paid and got everything fix but however I was told by the dealership that after XXXX months my payments would be refinanced and lowered. It has now been over XXXX months, and no refinancing has been done. I have contacted both the dealership and XXXX XXXX multiple times, and I am being ignored or told conflicting information. I believe I was misled into agreeing to a high monthly payment under false promises. I am requesting assistance in resolving this issue or reviewing the practices of this dealership.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I did a {$6000.00} balance transfer to my XXXX credit card where I was charged XXXX % transfer fee of {$180.00}. The promotion was XXXX % fee for the transfer with XXXX months of XXXX % APR so I am ok with the fee. The issue was that I was charged an additional fee for purchases on my credit card if the entire balance is not paid off. So if I continue to use my credit card I will be charged fees on any future purchases unless the entire balance including the balance transfer is paid in full. It is misleading that the balance transfer causes additional fees when they promote XXXX % APR for XXXX months. I spoke with XXXX and they said the verbage on the promotion states that fees will be charged if purchases are not paid in full. I explained that I paid enough to cover all my monthly purchases and extra to start to pay down the balance transfer. They informed me that any purchases on the card will incur fees until the credit card balance is XXXX. After a couple of hours speaking with XXXX, they said if you stop making purchases on the credit card and pay off the card in full by the XXXX months I will not be charged any fees. I find this policy obserd! If I pay off my monthly purchases and pay off my transfer balance in time - there should not be any fees. It is not fair to the consumer. As a curtousy, XXXX agreed to wave the fee that I was charged for last month and this month since it was not clear to me the fee structure. As a policy, this practice is not fair to the consumer and should not be allowed by any credit card company. Banks are making money off the transfer fee and if not paid within the timeframe they are intitled to collect other fees. They should not be allowed to charge fees on purchases just because they allowed a balance transfer. Please stop this fee structure- it is NOT FAIR

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
They locked my bank account after funds were deposited and did not let me verify using my phone number, instead insisted on a letter being sent to my address but that letter was never received.

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 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
NEW COMPLAINT AGAINST ROCKET MORTGAGE / MR. COOPER Related to previous cases : XXXX / XXXX FHA Reference : XXXX XXXX Description : I am filing this new complaint because the bank has engaged in gross administrative negligence and coercive tactics following the closure of the previous cases. Negligence in Processing the Florida HAF Application : On XX/XX/XXXX, XXXX the intervention of Congresswoman XXXX XXXX 's XXXX representative from Rocket Mortgage took full control of my account and, while on the phone with me, submitted my application for state assistance ( HAF ). By doing so, the bank assumed administrative responsibility for the application process. It is unacceptable and contradictory that they are now pressuring me to accept a loan modification with a XXXX % interest rate, while the very application they filed on my behalf remains pending. Violation of the FHA XXXX XXXX XXXX : The FHA ( Ref : XXXX ) confirmed that I qualify for the " XXXX Standalone Partial Claim '' ( Manual XXXX ). This program allows past-due payments to be deferred to the end of the loan term, interest-free, thereby allowing me to retain my original interest rate of XXXX XXXX. The bank is intentionally ignoring this federal option in an attempt to force me into a predatory refinancing agreement that would triple my interest costs. Discrimination and Vulnerability : I am a homeowner with a XXXX XXXX XXXXXXXX rating and a fixed income. The bank verbally promised to honor my XXXX XXXX interest rate when I agreed to enter into a " XXXX XXXX XXXX '' plan. Now, taking advantage of a " servicing limbo '' period between Rocket Mortgage and Mr. Cooper, they are reneging on that agreement. Desired Resolution : I demand that the bank cease its harassment regarding the XXXX XXXX offer, conduct an audit of the call from XX/XX/year>, and apply payments as they were prior to the * fourbance * as agreed upon when reinstating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/year>, a third party ( my mother ) received a text message from American Express regarding an alleged account balance. She is not and has never been associated with my account in any capacity. The message addressed me by name and included a link. When the link was opened, it displayed my full account balance ( over {$15000.00} ) and a partial account number. This information was accessible to the third party who received the message. I did not provide consent for my financial information to be shared with any third party, and I have never authorized American Express to contact this individual regarding my account. After becoming aware of the issue, I contacted American Express through their customer service chat. I informed them that they had disclosed my private financial information to an unauthorized third party. The representative acknowledged the concern and stated that the phone number would be removed and no longer contacted. I have retained screenshots of the text message, the webpage displaying my account information, and my communication with the American Express representative. This incident involves the unauthorized disclosure of my personal financial information to a third party and has caused me concern regarding the privacy and security of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a deferred interest charge applied to my retail financing account issued by Comenity Bank in connection with a purchase from XXXX. Under the terms of a promotional financing agreement, I was offered a no-interest period if the balance was paid in full within XXXX months. During that time, I made consistent monthly payments totaling {$13000.00} toward the original {$18000.00} balance. At the end of the promotional period, my remaining balance was approximately {$4900.00}. I missed the payoff deadline by approximately 10 days. Following this, my account balance abruptly increased by XXXX due to retroactive interest charges at an annual rate of approximately XXXX XXXX. This represents an increase of nearly {$13000.00} in charges applied all at oncedespite my consistent payment history and near completion of the promotional terms. While I understand deferred interest provisions may be included in such agreements, I believe the outcome in this case is disproportionately punitive and not aligned with reasonable consumer expectations, particularly given : The minimal delay ( XXXX days ) in completing the payoff My substantial and consistent payments over the full XXXX period The magnitude and sudden application of retroactive interest relative to the remaining balance Additionally, I do not believe the severity and financial impact of this deferred interest provision were clearly and prominently disclosed in a manner that reflects the consequences of missing the deadline by such a short period. I have attempted to resolve this matter directly with Comenity Bank by requesting a one-time goodwill adjustment or waiver of the retroactive interest charges. However, my request has been denied. I am respectfully requesting that Comenity Bank : XXXX a formal review of my account for a goodwill exception XXXX or significantly reduce the retroactive interest charges Provide a fair and reasonable resolution that reflects my payment history and intent to fulfill the agreement I am committed to resolving this matter promptly and in good faith. However, I am seeking relief from what I believe to be an excessive and disproportionate financial penalty resulting from a minor timing issue. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint against Chime regarding a transaction that occurred on XX/XX/2026, where I accidentally sent {$270.00} to the wrong person while attempting to pay for my daughters hair services. As soon as I realized the mistake, I immediately contacted Chime and reported the issue. I provided proof that the payment was sent to the wrong recipient and explained that this was an error. The person who was supposed to receive the payment is now requesting their money, while the individual who mistakenly received the funds is someone I do not know and has refused to return the money. This has placed me in a difficult financial situation and is causing significant stress, as I am now responsible for paying the correct person while also trying to recover the lost funds. Despite providing documentation and explaining the situation, Chime has refused to refund or assist in recovering my money. I believe Chime did not take appropriate action to investigate or resolve the issue fairly. I am requesting that Chime review my case again, take appropriate action to recover the funds, or issue a refund of the {$270.00} lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am on XXXX XXXX and I requested a transfer of money from the MOney Network card to my bank. This was XXXX separate transactions. They NEVER made it to my bank! I contacted the bank and they have never received any numbers, or anythikng from Money Network. The Money Network people called me to give me the transaction numbers but THE MONEY NEVER LEFT MONEY NETWORK!!! I was told that this has been resolved but I have not received my money! I will escalate this toan attorney if this is not resolved and my money returned. We are tqalking about {$2000.00} that was supposed to be transferred from the Money Network card to my bank. This was supposed to have happened on XX/XX/XXXX and XX/XX/year>.

Company response to consumer: Closed with explanation