vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Westlake Financial for failure to properly handle a fraud and forgery dispute related to my auto loan.

I reported to Westlake Financial that my signature was forged by the dealership on loan and/or dealership documents associated with this account. 
I did not sign these documents, nor were they disclosed or authorized by me. This constitutes fraud. 
When I first reported the forgery, Westlake Financial informed me that the investigation would take approximately 15 days. It has now been over XXXX month and XXXX days, and I have received no written determination, no meaningful updates, and no resolution, despite calling multiple times.

Each time I contact Westlake Financial, I am told that someone will follow up with me, but no one ever does. Despite this account being under an active fraud investigation involving forged signatures and despite exceeding their promised investigation timeline, Westlake Financial continues to demand monthly payments and has threatened repossession if I do not pay.

I believe it is improper and unfair for Westlake Financial to continue collection activity and threaten repossession on a loan that is legally disputed due to fraud and forgery. Their failure to timely investigate, communicate, or suspend collection activity has caused me financial harm, emotional distress, and ongoing uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I previously held personal banking accounts with JPMorgan Chase that were closed in approximately XXXX. At the time, no fraud, misuse, or improper activity was identified or communicated to me, and I was not provided with a clear explanation for the closure. 

Since then, I have maintained excellent credit, stable income, and positive long-standing banking relationships with multiple national financial institutions. I recently visited a Chase branch to re-establish a consumer checking relationship and was informed that a back-office note prevents Chase from opening any new accounts under my name. Branch staff indicated this restriction could not be reviewed or overridden at the branch level. 

I am respectfully requesting a formal review of my consumer banking eligibility and any internal restriction associated with my prior relationship. I would appreciate written clarification of the reason for the restriction and whether it is permanent or subject to reconsideration. 

I am not seeking compensation. I am only requesting transparency and a good-faith review of my eligibility to re-establish a standard consumer banking relationship with JPMorgan Chase .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM 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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I originally had secured a Vehicle loan for an RV from XXXX XXXX XXXX. I then refinanced that loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan was assumed by BMO. I had always made slight overpayments on my loan to reduce the principal that was gaining interest. I actually split my payments into XXXX per month in order to further reduce the interest with overpayments on each of the payments. I considered myself to be rather smart in doing this so that my large loan could be reduced over the XXXX  years that it was to be open. I never had any troubles when I was working with XXXX XXXX XXXX XXXX as all of my overpayments were directly attributed to my principal balance and my due dates never changed. But with the assumption of the financing by BMO, it appears I have been subjected, unknowingly, to my overpayments pushing my due date out and being applied to BMO 's interest charges instead of reducing my principal for over the course of XXXX XXXX  years since they assumed the loan. I am totally shocked and surprised by this, and I am looking for an advocate to help me to get them to go back to when they took my loan and recalculate all the interest that they've charged me resulting from this change. I am looking for that interest to be credited into the principal for today 's balance on the loan. I sent them a letter through the XXXX, attached, On XX/XX/XXXX. I received nothing in return and today is XX/XX/XXXX. I called in for customer service once I realized what was happening to me which I didn't document the phone call, but I called in again today ( XX/XX/XXXX ) and spoke with a representative as I was asking for a setting to be set on my account for the automatic application of overpayments to be straight to principal, and she reported that that is not something that they can do on automated payments. She also Didn't ask if I would like my present payments to be changed. My support call from earlier in XXXX was presented with an offer to change any pending payments to the proper setup. I have attached an email that I received from BMO instructing me to call if I want this to be changed for any pending payments which is their solution to the pillaging of all of XXXX XXXX XXXX XXXX  customers of the loans they assumed. I understand there's a class action lawsuit out there somewhere. It appears they have successfully found a way to continually charge their interest rates regardless of overpayments when a client is trying to overpay their principal between payments. This should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a consumer who was enrolled in Experians 'Basic ' credit monitoring service as a result of a legal settlement following a corporate data breach. I have recently discovered that Experian has been charging my account {$24.00} per month for a 'Premium ' subscription that I did not intentionally authorize or request. 

This charge appears to be the result of a 'dark pattern ' or deceptive interface on the Experian website, where a 'free trial ' or 'identity verification ' step was used to automatically enroll me into a high-cost recurring subscription. As a member of a court-ordered settlement for free monitoring, I should not have been transitioned to a paid tier without clear, affirmative, and unambiguous consent. 

I have attempted to resolve this through Experians automated systems, but found the process to be unnecessarily difficult. I am requesting that the CFPB intervene to ensure : A full refund of all unauthorized monthly charges ( specifically the {$24.00} charges ). 

The immediate cancellation of the 'Premium ' tier.

The restoration of my account to the 'Free/Basic ' tier provided by the settlement.

Experians practice of leveraging data breach victims into paid subscriptions is an unfair and deceptive trade practice. ''

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 2026-01-13 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: OneMain Finance Corporation
State: PA

Complaint narrative:
My loan was originated in XXXX. While the contract labels insurance as 'optional, ' I was not given a clear explanation of the total cost or the impact on my principal. Under the XX/XX/XXXX CFPB Consent Order ( XXXX ), OneMain is required to ensure these products are truly optional and that interest refunds are handled correctly. Since XXXX, my principal has only decreased minimally, which I believe is due to the interest being charged on these 'pre-packed ' add-ons. I am a XXXX teacher and this debt is being reported inaccurately, preventing me from securing a mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
At the end of XXXX I lost my wallet and phone so I did what I was suppose to and contacted my bank to let them know to cancel everything. But because I didn't have my password as it was on my lost phone they wouldn't cancel it. So I asked them to at least put a note in my account which they did. Mind you at the time no money had been taken yet. Not even a week later they let XXXX go missing. XXXX was caught as fraud and given back but usaa has basically told me XXXX XXXX  fraud is hard to prove. My thing is all the money was stolen on the same day so if some of it was fraud why not all of it. I've been with usaa for XXXX  years and they know I lost my husband a year ago and live on a fixed income and they did this in XXXX no less.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Perpay, Inc.
State: FL

Complaint narrative:
I revoked authorization for Perpay to debit my checking account, yet they continued to initiate ACH withdrawals anyway. These withdrawals occurred after written revocation of consent and were not authorized.

I contacted Perpay multiple times requestin
g proof of authorization, a full transaction history, and immediate refunds. They failed to provide any valid authorization or refund the money.

As a result, money was repeatedly taken from my checking account without permission, causing financial hardship and bank fees. I am requesting that all unauthorized ACH debits be refunded immediately and that Perpay be required to cease all future withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I disputed this alleged rental debt in writing and formally requested debt validation and proof of liability. XXXX tracking confirms my dispute letter was delivered and received by the debt collector on XX/XX/year> ( see attached documentation ). 

Despite receiving my written dispute, the debt collector sent a payment demand letter dated XX/XX/year> and another collection letter dated XX/XX/year>. The debt collector also reported this account to XXXX  while the debt remained disputed and without providing proper validation or verification of my legal responsibility. 

Although my name appears on the lease, I have never taken possession of, occupied, or received keys for the apartment associated with this account, and I dispute that I owe this debt.. The collector has continued collection activity and credit reporting without substantiating the debt or my liability, despite my timely written dispute. 

I recently confirmed that the individual who actually took possession of the apartment has not received any collection notices or communication from the debt collector. This indicates that collection activity has been directed solely at me despite my lack of possession and disputed responsibility ( see attached documentation ). 

I am requesting that the debt collector immediately cease collection activity and delete or correct any credit reporting related to this account unless proper debt validation is provided in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the following items on my credit report under Experian. These accounts and inquiries are either incorrect, unauthorized, or otherwise unverifiable. Please investigate these items and remove any erroneous or unverifiable information. 

CHARGED OFF ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Company : Venmo ( PayPal, Inc. ) In one case, Venmo Failed to debit my bank account via ACH for {$13.00} but sent those funds to the intended recipient. In a second case, Venmo debited my bank account for {$300.00} but failed to credit my Venmo balance.

After Venmo failed to resolve these through support, I reversed the ACH. Venmo then froze my account, preventing deposits or transfers. 

This freeze occurred due to Venmos failure to reconcile its ledger. I am requesting : Ledger correction Restoration of account access Written explanation of the accounting error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX, we financed a XXXX kW rooftop solar system through XXXX ( Account # XXXX ) after contracting with installer XXXX XXXX. The system was installed and received Permission to Operate from XXXX XXXX in XX/XX/XXXX. 
Due to installation-related roof leaks ( reported multiple times to XXXX, XXXX tickets marked " solved '' without resolution ) and subsequent issues, the solar meter was removed on XX/XX/XXXX, without our knowledge. The system has produced XXXX energy for approximately XXXX  months ( as of XX/XX/XXXX ). 
XXXX XXXX confirmed the disconnection was requested by XXXX, but XXXX denies involvement and refuses full resolution. Despite formal disputes notifying GoodLeap of the nonfunctional system and installer fault, GoodLeap continues demanding payments ( ~ XXXX XXXXXXXX ) and refuses to pause collections, credit reporting, or provide relief. 
We have paid {$7300.00} total with no benefit, lost ~ {$7500.00} {$9000.00} in expected savings, and face ongoing roof damage. 
Under the FTC XXXX XXXX, GoodLeap should be liable for the installer 's breaches. Their insistence on payments for a defective/non-delivered product is unfair. 
Desired Resolution : Pause all payments/collections/reporting during dispute ; refund payments made ( {$7300.00} ) ; compensate lost savings ; cancel or restructure loan upon system resolution. 
Attachments ( upload these when filing ) : GoodLeap welcome letter & account details XXXX contract & repair tickets XXXX XXXX emails confirming XXXX requested the meter removal Powur support emails ( including XX/XX/XXXX denial ) Leak photos ( XX/XX/XXXX attic shots ) Payment history proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In XX/XX/year>, I applied for an XXXX XXXX credit card and received an approval email. I never received the physical card. 

I contacted customer service multiple times to locate the account and confirm billing information, but representatives stated they could not find any account associated with my application and transferred me repeatedly without resolution. I recorded all my calls with the company representatives as part of my efforts to resolve the situation and document their responses. 

Despite being unable to locate an account, I was instructed to submit sensitive identity verification documents, including a drivers license, Social Security number, and utility bills, in order to locate the account. I complied. 

I am concerned because no account has been confirmed to exist, I have not received written confirmation that my application was closed, and I have not received assurance that no negative credit reporting or billing will occur. 

I am requesting written confirmation that no credit card account was opened, that no balance or due date exists, that no negative credit reporting will occur, and that my application has been closed and my personal information is handled securely.

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 2026-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX ( XX/XX/XXXX ), my mortgage was transferred from XXXX to Carrington Mortgage Services. XXXX had the responsibility to make Property Tax payments for this loan on XX/XX/XXXX according to the Escrow agreement, that had been notified at least 60 days prior that the payment was due. They did not make the payment and instead transferred the Loan and ENTIRE Escrow Account to Carrington Mortgage Services. When contacting Carrington Mortgage Services today, the first day that they were servicing my loan, their representative stated they were not responsible paying, again per the loan agreement, they had to receive the payment requirements for Property Tax 30-60 days in advance. I had the call escalated one of their managers who in turn forwarded the issue to accounting, to see what resolution could take place. The main problem with this is that I will need to now pay the Property Tax out of pocket to avoid delinquency on my taxes. This is considerable financial burden considering I have given them my families money to pay for the taxes already.

As a complete irony, within an hour after my working with Carrington on the phone, a welcome email was sent with the Executive Chairman 's email block reaffirmaing their work to support Veteran 's charities.

It also seemed a bit odd that Carrington was reporting this years taxes with a due date of XX/XX/XXXX. Hopefully this bug is corrected. 

Carrington Mortgage XXXX Loan Number : XXXXXXXX XXXX Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have a line of credit with Affirm. Affirm has generated 6 loans totaling approximately {$1400.00} for XXXX transactions in XXXX XXXX. This is a Billing Error / Double Billing dispute. 
I have provided Affirm with XXXXXXXX XXXX  official transaction ledgers proving that these specific orders were paid for using my XXXX and XXXX credit cards directly. Affirm has duplicated these charges and created loans for items I already paid for. 
Specific Evidence Provided to Affirm ( and attached here ) : XXXX. XX/XX/XXXX XXXX ( {$290.00} ) : XXXX XXXX confirms payment via XXXX. Affirm created duplicate Loan ID XXXX. 
XXXX. XX/XX/XXXX Purchases : XXXX shows paid via XXXX XXXX Affirm created XXXX  Loan ID XXXX ( {$260.00} ). 
XXXX. XX/XX/XXXX Purchases : XXXX shows paid via XXXX. Affirm created XXXX  Loan ID XXXX ( {$330.00} ). 
XXXX. XX/XX/XXXX : Date does not exist in XXXX ledger. Affirm created XXXX  Loan IDs XXXX & XXXX. 
Despite sending photographic proof of the XXXX receipts on XX/XX/XXXX and XX/XX/XXXX, Affirm continues to deny the claim using a template response stating " Identity Theft '' was not found. I am not claiming Identity Theft ; I am claiming Duplicate Billing. Affirm is violating the Fair Credit Billing Act by refusing to acknowledge the merchant 's proof of payment. 
I am requesting that these invalid loans be removed from my balance immediately.

Company response to consumer: Closed with explanation