vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I financed approximately {$5000.00} through Cherry for XXXX XXXX treatment at XXXX XXXX XXXX XXXX, in addition to {$1500.00} paid separately. I was told the procedure would be completed in two visits ; however, the treatment extended over several months with repeated failed attempts and prolonged use of temporary XXXX that frequently broke and fell off, despite being intended for short-term use only. Throughout the process, there were multiple quality concerns, including inconsistent lab work and repeated remakes that failed to fit properly. The treatment showed a pattern of failure from the beginning. My teeth were aggressively prepared, leaving me dependent on temporary restorations for an extended period, which contributed to worsening sensitivity and complications. The final restorations involved XXXX upper teeth and were improperly fitted, bulky, and misaligned with my bite, resulting in a functional and aesthetic outcome that is significantly worse than my original natural teeth. This led to immediate and ongoing complications including gum inflammation, bleeding, bite interference, and severe sensitivity. Despite raising concerns, defective XXXX were cemented, resulting in ongoing harm and deterioration in my quality of life. An independent evaluation by a board-certified XXXX confirmed improper cementation, excess cement, inflammation, and bite issues. The specialist concluded the complications are iatrogenic ( caused by the XXXX treatment itself ) and that the treatment is a failure requiring full replacement immediately. I now require urgent corrective treatment and must have these veneers replaced as soon as possible. After observing repeated failures and complications, I requested a refund or proper resolution. This was denied by the provider. I then disputed the charges with Cherry and submitted medical documentation, including the prosthodontist report and supporting evidence. Despite this, Cherry denied both my dispute and appeal, relying solely on the providers agreement and ignoring documented medical harm and failed treatment. This is not dissatisfaction with cosmetic results. This is a failed XXXX procedure causing ongoing harm that requires full corrective treatment. I am requesting that Cherry reverse the charges and issue a full refund, as I should not be held financially responsible for defective and harmful treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/year>, the IRS issued my tax refund and sent it to my Credit Karma Spend account. The account information matches exactly, and the funds were not returned to the IRS. XXXX and the IRS have both confirmed the deposit was sent successfully. I provided the ACH trace number to Credit Karma, but their front-line support could not locate the deposit. They stated that the issue is being escalated for investigation, but I have not received a resolution or timeline. The funds have now been missing from my account for over a week. I am requesting that Credit Karma and their bank locate the deposit immediately and credit my account. I am submitting this complaint because the funds are missing despite confirmation of delivery, and I need regulatory assistance to resolve the issue promptly. Amount : {$930.00} XXXX XXXX : XXXX ACH Trace Number : XXXX IRS Refund Date XXXX XX/XX/year> Attached is proof that I never received any funds for the amount on that date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent {$400.00} to a friend through XXXX XXXX. XXXX XXXX took it out of my Credit Karma spend account and send it. The account holder rejected the money then sent it back to Credit Karma. I have all the bank statements to prove that XXXX XXXX sent it back. I also sent {$200.00} which was sent back to Credit Karma, but never given to me and I spend account. Ive called over XXXX times and they both XXXX XXXX and Credit Karma say contact each other. Theyre both giving me the runaround. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
Approximately XXXX year ago, I entered into a solar panel financing agreement based on representations that the system would significantly reduce my electricity bill. This was a key factor in my decision. Those representations were not accurate, and the expected savings never occurred. Shortly after, I contacted the financing company ( Mosaic ) and was told not to worry, that the loan would be canceled, and that the equipment would be removed. I relied on these statements and did not receive any further communication for over a year. I received no letters, emails, or follow-up confirming the status of the account. Recently, I discovered that the account was placed into collections without my knowledge. The balance has also changed from approximately {$42000.00} to about {$77000.00}, which was never explained or authorized. I have attempted to obtain documentation, confirmation of cancellation, and an explanation for the balance, but the company has failed to provide this information. Phone records exist of my prior communications where I was told the loan would be handled. This debt is the result of deceptive and misleading practices, and I dispute that it is valid or owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am filing a complaint regarding PennyMacs handling of insurance claim funds associated with repairs to my property. PennyMac is currently holding insurance proceeds and has repeatedly delayed disbursement due to internal processing issues, despite all required conditions being met. On XX/XX/XXXX, I disputed the results of an inspection and was told that a reinspection would be ordered. PennyMac is unable to provide any reference number, case number, or documentation for that dispute. I was told that no such reference numbers are provided to customers and that only internal notes exist, which I can not access. The initial inspection results were incorrect because PennyMac failed to provide complete documentation to the inspection company. There were two contractor estimates ( XXXX XXXX and XXXX XXXX ), but only XXXX was used. This resulted in an inaccurate assessment and an underpayment ( approximately {$23000.00} disbursed instead of {$45000.00} expected ). This has been confirmed in conversations with the inspection company. A reinspection was completed, and the inspection company confirmed approximately 85 % of the work is complete. The inspection report was received by XXXX at XXXXXXXX XXXX and confirmed via a three-way call with the inspection company. Despite this, PennyMac representatives ( including XXXX and XXXX XXXX stated that the report is not yet routed to the correct department and is delayed due to internal processing. I was told this could take up to XXXX business days and that the file can not be manually expedited. When I requested proof of escalation, I was told no ticket numbers, escalation IDs, or reference numbers exist. Only internal notes are created, and I am not entitled to access them. I was told an urgent message had been sent, but no confirmation was provided that the file is under review, assigned to a person, or subject to any deadline. PennyMac representatives stated that the delay is due to internal processing systems and queue-based workflows and that they can not override or expedite the process even when documentation is complete. These delays are causing financial harm. My contractor can not complete the work due to lack of funds, and I am at risk of exhausting my temporary housing coverage. This claim has already been delayed for over 16 months, with repeated issues at each disbursement stage. I am requesting immediate review and release of funds based on the completed inspection, confirmation that my file is under active review, a formal record of my dispute and escalation history, correction of the prior underpayment, and assurance that future disbursements will not be subject to similar delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank has restricted access to my funds for [ XXXX ] months. I have attempted to resolve this via phone multiple times and they have refused to release my balance or provide a reason. I am requesting that my account be closed and a check for the full balance be mailed to me 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 explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Went to court and case was dismissed by Judge for prosecution failure to appear

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 2026-04-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
Called to pay debt I owed with XXXX XXXX trying to make payments arrangements, they keep saying they could dispute it and 2 others for inaccurate information for XXXX. Trying to get me to pay that instead of working with a arrangement to pay they took {$1.00} off my card to pull up my account information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CT

Complaint narrative:
this creditor has violated my rights under XXXX states I have the right to privacy 1681 section 604 section 2 it states a consumer recording agency can not furnish a account without instructions under US 1666B may not treat a payment on a credit card account under an open and consumer credit card as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
Called central portfolio control about a debt collection on my report and this is the second company that wouldnt help with arrangements they tried getting me to pay XXXX to have it disputed and removed for inaccurate information they also took {$1.00} from my card to pull up my account information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: UT

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX on behalf of XXXX. I did not receive the full services I was charged for. My treatment with XXXX was never completed because the company ceased operations, leaving me without continued care or access to a licensed dentist. As a result, I was unable to finish treatment and have experienced ongoing XXXX issues. Despite this, the account was sent to collections for the remaining balance. I paid much more than I should have because I was trying to get this resolved and I feel Im actually owed a refund. I believe this debt is inaccurate and unfair because the contracted services were not fully provided. I am requesting : Full validation of this debt, including documentation of services actually rendered Proof that XXXX XXXX has legal authority to collect this debt Removal of this account from all credit reporting agencies if the debt can not be properly verified Given that XXXX is no longer in business and treatment was incomplete, I request that this collection account be removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
On XX/XX/year>, I received a collection notice from XXXX XXXX XXXX XXXX XXXX regarding account XXXX XXXXXXXX. On XX/XX/year>, I disputed the alleged debt via email within the 30-day validation period and requested proper validation. After submitting my dispute, the company continued to contact me by phone multiple times and left voicemails using threatening and misleading language, including references to a formal claim and final notification. As of today, the company has not provided any validation of the alleged debt. Due to the continued collection activity and harassment, I sent a formal cease and desist letter via certified mail on XX/XX/year>. The companys actions, including continued collection efforts after a dispute and use of misleading communications, appear to violate the Fair Debt Collection Practices Act. A cease and desist letter has been sent via certified mail and is pending delivery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Dave Operating, LLC
State: TN

Complaint narrative:
The App Dave describes itself : " The best mobile financial app. Millions of people use Dave to get cash with no credit check, side hustles, and banking accounts with fewer fees. '' Their primary purpose is lending small amounts based on your banking information. My complaint ( s ) are around their deceptive fees and debiting practices. 1. First they have you link you bank account so they can decide what they can allow you to borrow, They give you an amount but then tell you you are only allowed to take half. As soon as you submit the request for half and agree to their {$5.00} fee, mysteriously you then can access the other half, for another {$5.00} fee. They don't even try to hide behind making you wait a day, it instantaneously after you agree to the first half. 2. Since you are required to link your accounts to get the approval, They seem to believe they have free access to your account. They do withdraws for curious amounts, add on monthly memberships that you were never advised about, and recently I was a little behind financially and I noticed they were watching and everytime i would deposit a small amount to my bank, they would make a matching withdrawl. No company should be allowed that kind of access. 3. Since their primary purpose is making small loans to customers, and when you agree they call it an express processing fee, Why then is it billed as an overdraft fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is reporting a collection account with a balance of {$3000.00} on my XXXX and XXXX credit reports. The original creditor is listed as XXXX XXXX. The following inaccuracies and violations have occurred : 1. I sent a formal written debt validation demand to Midland Credit Management under 15 USC 1692g requesting the original signed XXXX XXXX. credit agreement, complete payment history, and full chain of assignment documentation proving how Midland legally obtained this debt. Full verification was not provided. 2. Without a complete verified chain of assignment from XXXX XXXX. to Midland Credit Management, Midland has no documented legal right to collect or report this debt under 15 USC 1692e. 3. I sent formal written disputes to XXXX and XXXX under FCRA Section 609 ( 15 USC 1681g ) and Section 611 ( 15 USC 1681i ). The account continues to report as an active derogatory collection. 4. Under 15 USC 1681e ( b ) credit bureaus must maintain maximum possible accuracy. This account has not been verified with original source documents. 5. Under 15 USC 1692c all collection activity and credit bureau reporting must cease during an active dispute period. This account is actively reporting derogatory information every month. 6. Under 15 USC 1681s-2 furnishers must not report information they know or have reasonable cause to believe is inaccurate. 7. The date of first delinquency used to calculate the 7-year reporting period has not been verified. This account is reporting as a derogatory active collection on both XXXX and XXXX causing ongoing and significant credit score damage

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Esusu, Inc.
State: IL

Complaint narrative:
on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX report me to collection for rent that was paid by section XXXX and i do not owe this section XXXX paid my rent every month I moved on XXXX XXXX on XXXX this company report on my XXXX that my balance was XXXX dollars this crooked company is still trying to collect XXXX that was paid XXXX XXXX XXXX I need this company report to the authority this illegal and I want this debt remove immediate from all credit bureaus for myself and my daughter I demand that they remove this debt they stole government rent payment and they know they never evict me no evection notice and i live there for XXXX month never was evicted in XXXX il XXXXare scammer and steal rent payment Additional information provided by consumer : XXXX Company Name- ESUSU/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: TX

Complaint narrative:
On multiple dates I have been denied access to my money. I have screenshot Phone calls on hold for hours XXXX no answer Ive been hung up on XXXX XXXX says they have no power over this Ive been sent multiple new cards and charged for them Having to expedite to pay rent on time XXXX almost eviction Cant send money to chime or cash app when I want or need Keep trying to pay water bill online won't let me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ygrene Energy Fund Inc.
State: FL

Complaint narrative:
I entered into a Property Assessed Clean Energy ( PACE ) financing agreement with XXXX XXXX XXXX for home improvements. At the time of signing, the terms of the financing were not clearly or fully explained to me. I was not informed in a clear and understandable way that this obligation would be added to my property tax bill, nor was I made aware of the true financial impact of the assessment over time. The documents provided, including key disclosures, were presented as estimates and did not clearly reflect the final repayment terms or the significant increase I would experience. After the assessment was applied, my property tax bill increased from approximately {$3500.00} to {$9900.00}. This substantial increase was not properly disclosed or explained prior to entering into the agreement and has caused serious financial hardship. XXXX has responded by pointing to signed documents and a recorded verification call. However, the presence of signatures does not establish informed consent where the disclosures themselves are unclear, misleading, or fail to adequately communicate the material terms of the obligation. I made efforts to obtain clarification regarding the total cost, payment structure, and tax implications, but the information provided was incomplete and did not allow me to fully understand the financial burden I was taking on. This financing product functions as a consumer credit obligation but was not presented with the level of transparency required for such agreements. As a result, I entered into this agreement without a full and accurate understanding of its impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In XXXX I made a furniture purchase using a store credit card with a credit limit of approximately {$5600.00}. At the time of purchase, I was told I could make monthly payments toward the balance. I was not clearly informed that this was a deferred interest promotion requiring the full balance to be paid within 24 months to avoid retroactive interest. I have made consistent monthly payments on this account for nearly four years in good faith, believing I was paying down the balance under standard financing terms. I was never made aware that failure to pay off the balance within a specific promotional period would result in a large amount of interest being added retroactively. Recently, when I contacted the company to check my balance, I was informed that approximately {$4000.00} in deferred interest had been added to my account, along with ongoing monthly interest charges. This was the first time I was made aware of these terms in a clear way. I believe the terms of this credit account were not properly disclosed or explained at the time of purchase. Had I been clearly informed that I needed to pay the full balance within 24 months to avoid interest, I would have handled the account differently. I attempted to resolve this issue directly with the company, but my dispute was denied without a meaningful explanation or consideration of the lack of disclosure.

Company response to consumer: Closed with explanation