vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On Saturday, XX/XX/year> I logged onto the Synchrony Discount Tire app to pay my remaining {$65.00} balance to pay off my credit card for the tires that I purchased in XXXX. Upon getting online I was shocked to see that my account balance was now {$310.00}. After reviewing several months of statements, I discovered that I was charged a 35 % retroactive interest charge on the ENTIRETY of my {$1000.00} tire purchase on. When I signed up for the card the sales rep told me that it was a 9-month promotional period and to pay off in 9 months because after 9 months I would be charged 35 % interest on any remaining balance. I tried to call and ask them to work with me on the retroactive deferred interest as a one-time courtesy and act of goodwill due to the misrepresentation of the terms, but they had apparently closed 10 minutes before my call. I called again on Monday XX/XX/year> and spoke to 3 different reps, escalating to a manger explaining to them that I was misled on the interest and that the retroactive deferred interest on the entire {$1000.00} was not appropriately or accurately explained to me. The manager told me that because my promotional period was already over, they would not work with me, and they refused to remove any part of the retroactive deferred interest despite me telling them that I was not adequately notified of these terms. Synchrony bank is operating in a predatory and misleading way to consumers.

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 2026-01-26 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: TX

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I stopped at XXXX # XXXX in XXXX XXXX, NV, to fill my car with gas. The charge was {$34.00}. When I got my monthly statement from CITIBANK XXXX it showed a charge of {$76.00}, an over charge of {$42.00}. I submitted a dispute to CITIBANK and provided a copy of my original receipt. Their Case # is XXXX. CITIBANK investigated and reported back that the merchant says it was a valid charge ; my dispute was denied, case closed, I have tried to call the merchant but all I get is a message saying the mail box is full ; I couldn't ever leave a message. I wrote a letter to the merchant requestng a credit or refund ; I have not received an answer. 
I have talked to CITIBANK " Customer Service '' several times and received letters from them saying the merchant claims the charge is valid. They say there is nothing they can do. They say that if I don't pay the full amount they will report me to the three credit reporting agencies. Reluctantly I paid the full amount. 
I feel that CITIBANK owes me {$42.00} because that's who I had to send my payment to. 
I always thought using a credit card provided some safety from fraud. That is not the case with CITIBANK.

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 2026-01-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am submitting this complaint regarding a disputed {$11000.00} charge financed through Barclays for an XXXX Holidays membership. 

I purchased the membership on or about XXXX XXXX, XXXX. On or about XX/XX/XXXX, I requested cancellation of the membership. On XX/XX/XXXX, the merchant issued written confirmation that the membership was canceled. No services, travel, or membership benefits were booked, confirmed, accessed, or used at any time. 

On or about the first or mid XX/XX/XXXX, I disputed the {$11000.00} charge with Barclays. Barclays issued a provisional credit on or about XXXX XXXX, XXXX, and the account was subsequently closed. 

On XX/XX/XXXX, I received written notice from Barclays stating that the merchant had responded to the dispute and that the provisional credit was reversed and the {$11000.00} balance reapplied, despite the prior cancellation and account closure. 

The merchant has asserted that a refund depends on my signing a separate release and refund acknowledgment waiving statutory rights. I did not agree to sign this document. My refusal to sign a post-cancellation release does not create or validate any debt. 

I am continuing to dispute the validity of this charge. I am requesting that Barclays fully investigate this matter considering the written cancellation and the merchants waiver of enforcement, confirm that the balance remains disputed, remove the charge, and ensure that no adverse credit reporting occurs while the dispute is under review.

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 2026-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MMG Law Group, PLLC
State: IL

Complaint narrative:
This debt keeps being put on my credit report by different agencies fraudulently. This debt of {$500.00} is not mine. I have never received or initiated a payday loan. I have never taken out a loan of {$500.00} ever. This debt is fraudulent and I want it removed from my credit report. I've reported this same debt as fraud before and it was removed. Now your company claims to have purchased the debt. Please remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
My credit report is showing a collection account for a bill of {$380.00}. It says the name of the debtor is XXXX. I have never had XXXX. This debt is not mine. The date is XX/XX/year>. 
I didnt even have a car at that time. 

I called XXXX and they sent me to the Frsud department and now I am here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I have two mortgages currently serviced by PennyMac. The first mortgage is for a townhome ( XXXX XXXX XXXX XXXX ) I have owned for approximately eight years. I have never missed a payment on this loan and have consistently paid {$960.00} per month via AutoPay from my checking account. 

The second mortgage ( XXXX XXXX XXXX XXXX ), with a monthly payment of {$2200.00}, is for a home my wife and I moved into approximately sixteen months ago. After recently combining our finances, on XX/XX/2025, I added our new joint checking account to PennyMacs system and enrolled this loan in AutoPay. 

Despite this setup, the AutoPay payment for the XX/XX/2025 due date failed to process. I was not reasonably or clearly notified by PennyMac that the payment had failed or that the loan was delinquent. I did not become aware of the missed payment until XX/XX/2025, when I received a notification from Experian indicating that both my credit score and my wifes credit score had dropped by approximately XXXX points due to a reported late mortgage payment.

Upon receiving this notification, I immediately logged into PennyMacs system and paid {$4500.00}, representing the XXXX and XXXX mortgage payments plus a {$110.00} late fee. 

PennyMacs communication during this period was inadequate given the severity of the consequences. While I did receive emails and mailed correspondence between XX/XX/XXXX and XX/XX/XXXX, none of these communications clearly stated that a payment had failed, that the account was delinquent, or even which of my two mortgages the communications pertained to. Some emails indicated that a payment had been accepted, further contributing to confusion. Any mailed correspondence was indistinguishable from the numerous promotional mailings PennyMac regularly sends advertising other services.

At no point during this time did PennyMac attempt to contact me by phone regarding the missed payment, despite having my contact information on file and despite the significant credit impact involved. 

To substantiate the above, I have attached copies of all emails received from PennyMac during this timeframe, images of mailed correspondence received ( via USPS Informed Delivery ), and my phone call logs.

In the weeks following discovery of the issue, I conta
cted PennyMac at XXXX and spoke with multiple representatives. None were able to offer meaningful assistance, remediation, or escalation. No grace, payment forgiveness, or acknowledgment of PennyMacs communication failures was provided. 

I did not choose PennyMac as the servicer for either of my mortgages, as both loans were sold after origination. Nonetheless, PennyMacs failure to provide clear, timely notice of a failed AutoPay payment resulted in substantial and avoidable damage to my and my wifes credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I do not know what this is. I have not communicated or ever done business with this company, XXXX XXXX XXXX. They opened this collection XXXX. 

Both TransUnion and Equifax have resolved this as fraud and removed it. 

Experian has not ; I am trying to file fraud with them after going through the dispute process but can never get through. 

I disputed with Experian on XXXX and XXXX. Both times they have claimed it remains. I can not see the dispute or any of the information of the XXXX XXXX XXXX. It is now up to {$510.00}. 

Please help. 
Thanks. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am filing a complaint regarding an auto title loan issued in XX/XX/year> for approximately {$11000.00}. 

According to the lenders own payment history, I have paid {$33000.00} on this loan. For more than a year, 100 % of my payments were applied to interest and fees, with no reduction to principal. In multiple instances, my balance increased after making payments, demonstrating negative amortization.

The lender has acknowledged in writing that most payments were applied to interest and that late charges further reduced or eliminated principal reduction. Despite paying nearly three times the original loan amount, the lender is still claiming a remaining balance. Recent communications list a principal balance of approximately {$7500.00}, while prior statements reflect a total balance of approximately {$8200.00}. 

I am disputing the accuracy and fairness of the remaining balance and requesting regulatory review of the loans servicing, interest practices, and fee structure. I am also requesting that collection and repossession activity be paused while this complaint is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an invalid XXXX account that was sent to collections due to a billing error. 

I submitted a service address change through the XXXX mobile app for an apartment I was conditionally approved for. That apartment later denied my application, and I never moved into or occupied that address. 

I then moved into a different apartment community that only allows XXXX XXXX XXXX as the internet provider. XXXX service was never installed, activated, or used at my final residence. 

Despite multiple attempts to contact XXXX to correct this issue, I was unable to reach a live representative before the account was improperly sent to collections, resulting in damage to my credit. 

I am requesting that XXXX : 1. Recall the account from collections immediately 2. Remove all negative credit reporting related to this account 3. Confirm the balance is zero in writing No service was rendered, and this charge is invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX  had me on a plan and I qualified through my work for discounts they were supposed to directly take it out of my account each month out of my bank on a specific day that we agreed on and instead they kept running a bank wire transfer and it would decline then they charged me {$50.00} and they did it XXXX times each time charging me {$50.00} a Time that it declined so then I couldn't use a card payment to pay my bill so I told them to shut it off because it ran it up well over {$700.00}. I told them to stop taking payments like that so it would stop charging me and they kept doing it to where it racked it up to {$1.00}, XXXX it also cost me my job that I had at a XXXX  because they shut my phone off and I couldn't receive calls from my work because I'm on call now they are texting my landlord my debt amounts when they kept running the ACH transfer several times without my permission and charging me {$50.00} every time it declined after I told them to stop I tried to pay my bill to keep my phone on and they told me that it wasn't going to turn my phone on so I didn't pay my bill because I had to have a phone that stayed on and not with the worry of it getting shut off and not being able to receive calls but in the end was pointless because I lost my job anyways because of my phone getting shut off. Now their text messing my family members how much I owe and my landlord my debt amount not even knowing if it's me or not and I'm not happy about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: North State Acceptance, LLC
State: VA

Complaint narrative:
I found out by finally receiving title documents from dealer that a purchase date and lien attachment occurred 8 days prior to my possession or any contract being signed. Once I received dealer packet from XXXX  XXXX I found a forged signature in submission on title application and no accompanying POA to perform that work in dealer packet for XXXX  title work. On the document that has the forgery was a purchase date of XX/XX/XXXX. I only signed contract and took possession on XX/XX/XXXX. The XX/XX/XXXX date was shown as lien attachment date. As a matter of law a lien can not attach unless debtor has rights in collateral. I did not have any rights in XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was demanding first payment. I informed them title was messed up and they stated if I had a problem with title to take it up with dealer. I had a debt and I had to pay. So I immediately sent a Conditional acceptance asking for accounting info at which time XXXX responded, in a way only to be described as extortion, that if I didn't pay them they would just come and pick it up. That's what they did on XXXX while I was working. Furthermore, I additionally offered escrow in a certified return receipt letter that was ignored before repo seeking a cure. They have put mathematically impossible credit submissions at all three bureaus. I will be seeking prosecution of XXXX with the local XXXX  in short order for threats and then actions. It is criminal what has occurred. Also, they took out a forced place insurance policy on XXXX almost a month after repo and backdated that policy to XXXX. I had full coverage insurance with XXXX through time of repo. I suppose they were inflating balance so I couldn't cure if I chose or manufacturing a post hoc default scenario as they had evidenced by mail I wasn't in default on a letter dated XX/XX/XXXX threatening this policy. Remember, they had possession as of XXXX. These are indisputable facts and documented. I will not stop until restitution is made. This is egregious wanton willful and reckless behavior. I will hold all to account in due time so help me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
A XXXX XXXX transaction was paid through PayPal via XXXX. 

The buyer initiated a chargeback on XX/XX/2025 claiming item not received. 

The issuing bank investigated, confirmed delivery, and closed the chargeback in my favor, reversing the provisional credit and rebilling the funds. 

XXXX XXXX XXXX XXXX has also confirmed in writing that the XXXX dispute is closed. 

Despite this, PayPal failed to reconcile the chargeback reversal and left my PayPal account with a negative balance, restricting my ability to access funds I am owed. 

This is not an active dispute. It is a chargeback reversal reconciliation failure. 

I am requesting immediate manual reconciliation by PayPals chargeback operations, correction of my account balance, removal of account limitations, and release of the funds owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
In XX/XX/year>, my vehicle was totaled and the auto loan with Ally Bank was paid off by insurance ( XXXX XXXX ). After the payoff, Ally issued an insurance surplus refund check for approximately {$3900.00} on or around XX/XX/year>. I never received this check and it was never cashed. 

I recently contacted Ally to request reissuance or written confirmation of the refund status. I was told verbally that the funds are with the back office or the state, but Ally did not provide written confirmation of whether the funds have been escheated, the date of escheatment, the state involved, or any batch or reference number. 

I have requested this information directly, but Ally has not provided clear written documentation. I am seeking written confirmation of the current status and location of the uncashed insurance surplus refund and instructions on how to recover it. 

Ally confirmed verbally that the refund check was never cashed. During my initial call with Ally, I was given a case number and told that a replacement check would be re-issued and received within approximately 12 business days, by XX/XX/XXXX. After the check was not received, I contacted Ally again and was then told that a replacement check could not be issued and that the funds were with the back office or the state. I first contacted them when I noticed the mail/check was at an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The debt was charged off for profit and loss write off on XX/XX/year>, however i did not receive a 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
1. Executive Summary & Regulatory Escalation I am filing this formal complaint against Bilt Technologies , Inc. ( " Bilt '' ), a New York-based financial services company, for deceptive business practices and failure to oversee third-party service providers as required by 23 NYCRR 500.11.

I have already filed a formal report with the Federal Trade Commission ( FTC Report # XXXX ) regarding the deceptive nature of Bilt 's communications. I am now turning to the CFPB because Bilt is a New York-regulated entity that is attempting to evade liability for its vendor 's failures.

2. The " No Visibility '' Defense Violates NY Law. In their XX/XX/XXXX, response to my CFPB complaint ( File No. XXXX ), Bilt attempted to close the matter by claiming they " did not possess definitive impact determinations '' and had no " visibility '' into the remediation process managed by their partner, XXXX XXXX XXXX XXXX .

This defense is an admission of non-compliance. Under 23 NYCRR 500.11 ( Third Party Service Provider Security Policy ), Bilt is required to implement policies ensuring the security of information systems and non-public information accessible to third parties. Claiming " no visibility '' into the breach status of its own customers demonstrates a failure of the vendor oversight required by New York law.

3. Deceptive " Lulling '' Communications While Bilt claimed " no visibility '' to regulators, they sent me a direct email on XX/XX/XXXX, stating there was " no definitive proof '' my information was impacted. This was materially false. XXXX XXXX XXXX XXXX has since admitted in writing ( XX/XX/XXXX ) that I was a " confirmed '' victim. Bilts misleading email " lulled '' me into inaction, causing me to miss the deadline for free credit monitoring.

4. Financial Injury Because Bilt disclaimed knowledge and downplayed the risk, I was precluded from the class action settlement ( Deadline : XX/XX/XXXX ) valued at up to {$3000.00}, and I was forced to pay {$350.00} out-of-pocket for my own credit protection.

Company response to consumer: Closed with explanation