vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I am writing to make a discrimination complaint against the following financial institution : M & T Bank XXXX M & T XXXX XXXXXXXX XXXX XXXXXXXX XXXX The complaint : On XX/XX/year> ; I applied online for a credit limit increase for a credit card that I have had with this bank since XXXXXXXX XXXX 

Important to mention that my payment history on this card is fast and flawless. 

XXXX XXXX. XXXX My application was denied despite the fact that my XXXX  XXXX XXXX is ( XXXX ). 

I requested the bank to reconsider my application. My request for reconsideration was also denied, however. 

The bank claims that they declined my application because of lack of comparable credit, which it doesn't make any sense whatsoever. 


I believe that this bank is biased against me and discriminating against me on the basis of perceived national origin, perceived religion, perceived race, and perceived ethnicity, Perceived religion : Individuals perceived to be part of a certain religious group are also protected from discrimination. 

This is particularly relevant for XXXX XXXX individuals, who may face religiously indiscriminate racialization or XXXX  from others who mistakenly perceive them as XXXX. 

Federal law protects individuals from discrimination based on actual or perceived religious affiliation or ethnic characteristics. 


Federal laws likeTitle VII of the Civil Rights Act of XXXXandTitle XXXXprotect individuals from discrimination based on actual or perceived religion, shared ancestry, and ethnic characteristics in employment and federally funded programs, prohibiting bias in hiring, treatment, and services, even covering stereotypes and cultural practices linked to these traits, not just explicit religious/ethnic identity. 

XXXX 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 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am submitting this complaint against LoanCare for a continuous pattern of improper servicing, lack of due process, deficient communication, and abusive practices in the administration of my mortgage loan. On XX/XX/year>, LoanCare sent an official loan modification package, which was fully completed, signed, notarized, and returned within the required timeframe and received timely ; however, the request was denied solely due to a minor and correctable technical issue ( date format dd-mm-yy ), without providing a reasonable opportunity to correct it. From XX/XX/year> to the present, LoanCare has maintained inconsistent and confusing communication, with different representatives providing contradictory information, limiting communication to telephone calls and one-way physical correspondence that, although dated the day it is generated, is delivered to my mailbox 10 days or more later, unfairly reducing response deadlines and without any effective two-way written or digital communication channel. Approximately every XXXX XXXX, when I call, I am informed verbally that the prior loss mitigation request has been denied, but that LoanCare may help if I make payments toward the past-due balance ; on at least XXXX occasions, representatives asked how much money I could provide, and based on those instructions I made several partial payments that resulted in no definitive resolution, while simultaneously being told not to make the regular monthly payment because the case was under review. Thereafter, the requests are denied again without proper written notice and a new loss mitigation case is opened, repeating the same cycle without a final resolution, which has caused the balance to nearly double through fees, interest, and adjustments such as escrow advances and balances carried over from prior servicers, constituting an artificial accumulation of debt. Additionally, today during a telephone call, I was pressured and coerced into selling the property as the purported only alternative, without a documented final evaluation or formal closure of the mitigation process, which I consider intimidating and abusive. This pattern demonstrates consistent practices of dual tracking, coercion, lack of transparency, and violations of due process. As there is currently no foreclosure order, I formally request that no foreclosure action be initiated or advanced, and that no related fees or adverse measures be applied, while this complaint and the loss mitigation processes remain under active review, until LoanCare issues a final, documented decision communicated in writing.

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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I had XXXX credit cards with XXXX XXXXXXXX XXXX from XXXX. I notified the company that I would be having major XXXX in XXXX of XXXX and asked to use my credit protection plan to which they agreed to. This protection plan was good for up to XXXX months. i had XXXX XX/XX/XXXX and the payments began. I sent them updated information after the first XXXX  days of my condition and nit was my understanding that the payments would continue until I returned to work. To exercise good faith and because they began to harass me as to why I hadn't returned to work. I sent them a payment in XXXX of XXXX of XXXX even though I had or was supposed to have credit protection. That was the last communication I had with them until they sent me an email stating they were now Concora Credit. I didn't know anything about XXXX  until I started receiving threatening letters from XXXX XXXX out of California in XXXX of XXXX. It stated that I needed to immediately pay the XXXX to them on behalf of XXXX. I knew nothing about them until I checked my credit report. I attempted to dispute the debt but XXXX said it was valid after on XXXX days and then I received another letter from XXXX XXXX stating I had until XX/XX/XXXX to pay the bill or they would consider litigation. They lied. They filed a lawsuit against me XX/XX/XXXX in XXXX of the XXXX XXXX XXXX XXXX. Additionally, according to my credit report there are XXXX cards that have them listed as being the collection company, so why are they not suing for all XXXX. Why the deception? Prior to them hiring XXXX XXXX, they never reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Klarna AB
State: IN

Complaint narrative:
On XX/XX/year>, I purchased a XXXXXXXX XXXX XXXX XXXX  from XXXX XXXX for {$3400.00} using Klarna financing . No payments had yet been made and the first scheduled payment was XX/XX/year>. 

On XX/XX/year>, within XXXX days of purchase, I sent XXXX written cancellation requests by email asking to cancel the program before any payments were processed. I also contacted the company by text message and phone. 

Despite my written cancellation requests, the company did not confirm cancellation. I continued to request cancellation again on XX/XX/XXXX and XX/XX/year>. 

XXXX XXXX later claimed that my cancellation was invalid because of alleged continued use, even though my cancellation requests were made before any payment occurred and before the first billing date. 

Klarna relied on the merchants position and reactivated the payment plan despite the unresolved cancellation dispute. I am disputing the charge because I requested cancellation promptly, before payment, and the merchant did not honor or clearly process the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
According to Law 15. U.S.C 1692C you have violated my rights by unlawful communications. Please remove this collection from my credit report. Thank you.

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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I informed this debt collector verbally on or about XX/XX/year> that I was requesting they cease all communication with me regarding this alleged debt, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite this request, the company has continued to place calls to my phone. On multiple occasions after my cease request, the company has called my number and then hung up immediately when I answered, without identifying themselves or leaving a message. 

These repeated hang-up calls occurred multiple occasions since my cease request and appear to be an attempt to continue contact while avoiding accountability. 

I believe this behavior constitutes continued communication after a cease request and harassing conduct, in violation of the FDCPA. 

I am requesting that this conduct be investigated and that the company be required to comply with the law and stop all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This submission is a formal follow-up to CFPB Complaint ID # XXXX, which Capital One has failed to resolve despite the passage of time and repeated consumer contact. 

Capital One closed my XXXX XXXX XXXX XXXX account ( ending in XXXX ) by letter dated XX/XX/XXXX, citing activity inconsistent with typical customer usage. No fraud determination, forfeiture notice, or explanation of this allegation was provided. At the time of closure, Capital One retained {$200.00} of my secured funds. 

After the account was already closed, Capital One issued a second, contradictory letter dated XX/XX/XXXX, from its Fraud Operations department stating that additional verification was required and that the account would be closed in XXXX  days if I did not respond. This letter treated the account as if it were still open, despite the prior closure notice, and confirms that Capital Ones internal departments were not acting consistently or in good faith. 

Prior to the account closure, I fully complied with all verification requests and uploaded all required identity documents through Capital Ones secure portal. Despite this, Capital One has continued to withhold my funds and has failed to provide a written explanation, disbursement date, or meaningful resolutioneven after a CFPB complaint was already filed. 

I have contacted Capital One multiple times by phone as instructed in their correspondence. Each attempt resulted in transfers, delays, or vague statements that the issue was under review, with no ownership of the case and no release of funds. Capital Ones continued failure to act after regulatory escalation demonstrates a lack of reasonable investigation and good-faith resolution. 

Capital Ones conduct constitutes violations of federal consumer protection standards, including but not limited to : Unfair and Deceptive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 Unreasonable retention of consumer funds after account closure Issuance of contradictory and misleading notices regarding account status Failure to resolve a consumer complaint after CFPB involvement, indicating systemic procedural deficiencies By withholding my {$200.00} for an extended period, Capital One directly interfered with my ability to meet basic living expenses. This caused financial instability, hardship, and stress that were entirely avoidable and solely attributable to Capital Ones mishandling of my account and failure to resolve the issue after regulatory notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint is my mortgage company. For the past XXXX years, my payments have been misapplied, and late fees have been assessed. When I tried calling and addressing the issue, nothing was done. My payments are being placed into an unapplied payments account instead of being applied correctly. I want the mortgage company to properly apply my payments, waive the late fees, and reassess my escrow account.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have disputed this debt with Jefferson Capitol LLC several times and they have not removed themselves from my credit reports. They do not list an original creditor, the dates are completely incorrect. This was removed from my report at one time and now it is back claiming to be original creditor and an inaccurate date. I also am not sure why the credit reporting agencies take their word over the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/year> at XXXX XXXX  contacted PAYPAL as they have charged or attempted to charge my card several times over the past months. They refused to assist or escalate to supervisor unless I provided by SSN, DOB, EMAIL mailing address for verification for an account I do not have with them. TO BE CLEAR I do not have a PAYPAL account. They are processing charges from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND A COUPLE MORE. They refused to assist in deleting my card information. The credit card company has been contacted as well, however they continue to send the new card information to them. A co-worker is receiving charges from PAYPAL as well that were not authorized or have accounts with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: PNC Bank N.A.
State: MI

Complaint narrative:
In the beginning I was sent an email from PNC Bank after I received my new credit card ( I had lost my old card ) and it said I owed a late fee. When I ordered my new card the overseas agent who did not speak english very well and was difficult to understand did not inform me when I asked for a new card that I needed to update my auto pay and messed up my account. I have always set up auto pay and I have always paid my credit card balances on time and in full. I spoke recently with XXXX XXXX who is an Executive Client Relation Specialist at PNC Bank and she is supposed to be looking into my situation. I was told by PNC Bank that I have 30 days to dispute the issue before my Credit Score is effected. 

Today I received a call from someone overseas in PNC 's Collection department who gave me different amounts of what he said I owed and that there was a late fee on the account as well. When I asked him what the details of the different charges were he would not answer me, he was also overseas and could not speak english very well and I could not understand him. I explained the situation to him and the fact that I was dealing with someone in the Exective Client Relations department at PNC and that I had 30 days to deal with the situation before my Credit Score was effected. Also, I explained that it was and overseas agent who screwed up my new credit card because she did not explain to me that I needed to go back into my account and re-set up my auto pay. I found out about my situation when I had already used my new credit card and then all of a sudden it started to be declined. I was told by PNC Bank that they only remove one late fee charge per year and that I had already used my late fee removal once already this year. When I used my other late fee removal it was because again an overseas agent had screwed things up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
my name is XXXX XXXX, I recently opened an account last month for my VA XXXX pay to be deposited in since i am a 100 % XXXX vet. My first debit card never shipped through all of XXXX, when i ordered a replacement on XX/XX/XXXX, the original was overnighted instead in its place. Then when i reached out about trying to see if the one being processed is actually being processed and shipped, i was just told sorry, and i had to wait for my debit card, and that no one could do anything, on the phone and through the chat, and that i would have to visit a branch ( none are located anyone within a 5 state radius ). When i pushed back further, the agent XXXX lied to me on XX/XX/XXXX saying that my new card was actually sent, and when i asked for proof thru shipping numbers or any documentation, he told me to order a new card instead, and that he could provide no such proof because it didn't exist. When i said i would formalize a complaint, he forwarded the chat to his supervisor. Then while waiting to be connected to the supervisor, my account was just fully locked out. They're saying i can not access my account now without a debit card, but they wont send me the proper debit card, furthermore, if i receive my new debit card i wont be able to login and activate it, as the agent on the phone said i could only do it online, and my account is locked, and they refuse to assist in anyway possible.

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 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
My name is XXXX XXXX. I am a senior citizen living in XXXX  on a fixed income. I am filing this complaint regarding an auto title loan issued to me by XXXX XXXX XXXX that is unaffordable, predatory, and threatens the loss of my only means of transportation.

The loan was originated on XX/XX/year>, in the amount of {$7500.00}, with an annual interest rate of 178.99 %. Despite this principal amount, TitleMax requires monthly payments of {$1000.00} and lists a payoff balance of {$8000.00}. These terms are impossible for me to afford on a fixed income and place me at imminent risk of vehicle repossession.

I rely on my vehicle for basic daily needs and medical appointments. The structure of this loan, including the extraordinarily high interest rate charged to a senior borrower, appears designed to impose excessive payments rather than provide a reasonable or sustainable path to repayment.

Additionally, I made a payment in XXXX that is not reflected in TitleMaxs online account portal. I have requested clarification and a complete payment history, but this payment has not been properly credited. This raises concerns regarding inaccurate accounting and improper loan servicing.

I am requesting assistance to : Require TitleMax to provide a complete and accurate payment history ; Ensure all payments, including the missing XXXX payment, are properly credited ; Review whether the loan terms and servicing practices constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) ; Require TitleMax to offer a reasonable hardship accommodation, including reduced interest, payment restructuring, forbearance, or a reduced payoff amount ; and Prevent repossession or further harm while this matter is under review.

Given my age, fixed income, and vulnerability, I respectfully request expedited review of this complaint.

Company response to consumer: Closed with explanation