vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted my XXXX mortgage payment through PennyMacs online payment portal. At the time of submission, sufficient funds were available in my checking account to cover the full payment amount. 

However, when I went to pay my XXXX mortgage payment, I noticed that there was still an amount due for XXXX. I immediately paid both the XXXX and XXXX payment to bring the account current. I then logged into my checking account and saw that no ACH attempt or deduction had been made for XXXX XXXX. 

I looked through my payment history on the PennyMac website and PennyMac had marked the payment as NSF. However : My bank confirms that no ACH debit attempt was ever presented to my account.

My bank statement reflects no attempted withdrawal and no ACH return.

I received no email, written notice, or other communication informing me that the payment had failed.

PennyMac subsequently reported my account as 30 days delinquent to the credit reporting agencies.

Because no ACH transaction was ever transmitted to my bank, this appears to be a servicing or payment processing error internal to PennyMacs system.

PennyMac 's customer service was not able to help resolve the situation after several phone calls. However the representative did incorrectly state over the phone that the ACH had been attempted two times. According to PennyMac 's records in the " Payment History '' section of the website, only one attempted ACH payment is shown ( see attached ). On my bank statement, zero ACH payments are shown as attempted ( see attached ).

I have sent PennyMac a formal Notice of Error under RESPA via certified mail requesting documentation of the alleged ACH attempt ( including trace number and return code ) and correction of the credit reporting. 

The reporting of a 30-day mortgage delinquency is materially harmful to my credit profile and financial standing.

I have maintained a perfect payment history on this loan for approximately six years and have never previously been reported late. This isolated delinquency reporting is inconsistent with my established payment record and further supports that this matter resulted from a servicing or processing error rather than borrower nonpayment.

I am requesting the following : Written documentation of the alleged ACH transaction, including : -ACH trace number -ACH return code -Date and time transmitted to the ACH network -Copies of any alleged notification sent to me regarding a failed payment.

-Immediate deletion of the reported 30-day delinquency from all credit reporting agencies to which it was furnished.

If no ACH trace number exists because the transaction was never transmitted, I request written confirmation of that fact and prompt correction of all credit reporting. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received an overdraft alert in the middle of XXXX upon checking my account I noticed an unauthorized charge, can call my bank. I realize that the company and the charge has been coming out of my account for a few months so we disputed it on XX/XX/XXXX. Its XXXX weeks they have not gave me a provisional credit. They have not gave me any updates all they said I have to do is wait. As their agents messed up my claim & didnt file it properly so because of that, they are prolonging my outcome & withholding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America regarding an unauthorized ATM cash withdrawal of {$200.00} from my debit card. 

I did NOT make this withdrawal and did not authorize anyone to use my card. My debit card has always been in my possession and I have never shared my PIN with anyone. 

This transaction occurred at an ATM that I have NEVER used before. I have never withdrawn money from that ATM location in my life. I did not notice the transaction immediately because my account had several other transactions of {$100.00} around the same time, which made it difficult to detect the unauthorized withdrawal right away. 

I reported the unauthorized transaction within 17 days of it occurring and within the same monthly statement period as soon as I became aware of it. 

Bank of America denied my claim stating that a PIN was used and that I reported the transaction days later. However, the use of a PIN does not prove that I made this transaction. Debit card cloning and PIN theft are well known forms of fraud. 

I should not be held responsible for a fraudulent withdrawal that I did not authorize. I am requesting that Bank of America reopen and properly investigate this claim, including reviewing ATM camera footage and transaction data. I am requesting reimbursement of the {$200.00} taken from my account. 

I am a victim of fraud and I am requesting protection under Regulation E.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a new CFPB complaint regarding CareCredit/Synchrony Bank based on new actions that occurred after my prior CFPB complaint ( No. XXXX ), which involved undisclosed deferred interest and improper Payment Security charges. Instead of fixing those issues, CareCredit took additional actions that I believe are illegal. 

CareCredit falsely treated my complaint as a dispute with my medical provider, even though I never disputed the XXXX or the services I received. without my knowledge, CareCredit contacted my surgeons office and attempted to collect a full refund of the procedure amount - I did not request this, I did not consent to it, and I was not notified in advance. As a direct result of CareCredits actions, my surgeons office is now extremely upset and has stated they do not want to continue working with me. This has directly harmed my ability to continue treatment related to XXXX XXXX XXXXXXXX. No patient should lose access to medical care because a lender decided to involve a doctor after a consumer complaint. 

In addition, CareCredit applied a payment protection benefit to my account without my request or consent and notified me only after the fact by mail ( please see the attached documents which were never filled out ). CareCredit then asserted that this unapproved action constituted my use of Payment Security benefits and used it as a basis to deny my refund request, despite my never enrolling in or claiming such benefits. This occurred after my initial CFPB complaint and appears designed to reframe my complaint, avoid addressing disclosure failures, and impose consequences I did not authorize. 

All of this occurred after I filed my original CFPB complaint. Applying a payment protection benefit without my permission, notifying me only after the fact, falsely claiming I used benefits I never requested, mischaracterizing my complaint as a provider dispute, and then involving my medical provider without authorization does not feel accidental. 

They are completely avoiding addressing their disclosure failures and to pressure or punish me for complaining. All of this happened after I filed my original CFPB complaint. Applying products without permission, notifying me only after the fact, misrepresenting my complaint, falsely claiming I used benefits I never requested, and dragging my medical provider into a credit dispute does not feel accidental. It feels illegal and retaliatory. I am not a legal expert, but as a consumer, this conduct is clearly wrong, and I am asking the CFPB to step in and address CareCredit/Synchrony Banks actions before further harm is done.

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 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Product : Credit card ( Store card ) Issue : Fees or interest | Problem : Problem with a " no interest '' advertisement Account Number : [ Account Ending in XXXX ] The Dispute : I am filing this complaint against Synchrony Bank regarding a promotional " Deferred Interest '' plan for a dishwasher purchased on XX/XX/XXXX, on the account ending in XXXX. I am disputing the {$1000.00} in retroactive interest that has been applied to this account. I was led to believe this purchase carried a standard 0 % interest promotion for 12 months. Consistent, on-time monthly payments were made in good faith, as evidenced by my attached statements. 

Deceptive Billing & Timeline Confusion : The account history is fundamentally confusing and lacks clear disclosure. Despite the purchase occurring in XX/XX/XXXX, I have received invoices referencing dates as far back as XX/XX/XXXX, long before the card was in active use for this purchase. Furthermore, the " Promo Expiration Date '' of XX/XX/XXXX was not clearly or conspicuously aligned with my monthly payment due dates. Monthly statements consistently showed an interest charge of {$0.00}, which reinforced the belief that no interest was accruing, while the bank was actually maintaining a " hidden '' interest bucket in the background. 

Failure of Customer Service : I contacted Synchrony on XX/XX/XXXX, and spoke specifically with a representative named XXXX regarding account XXXX to seek a good-faith resolution. Despite my history of on-time payments and immediate willingness to clear the principal, Synchrony management refused any courtesy adjustment or interest waiver. This total inflexibility toward a responsible consumer, combined with the confusing nature of the account opening and promotional dates, has caused significant financial harm.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I locked my debit card in the Ally mobile app before the transaction in question. The app displayed the card as locked at the time. Despite the card being locked, a new authorization for {$54.00} was approved and charged to my account by the merchant. This indicates the card lock security feature failed. 

I reported this to Ally customer service, including a supervisor, but was told my only option was to file a dispute with my bank. A bank dispute is not appropriate because this is a failed security control on the banks side, not a merchant dispute. 

I am requesting a full refund of {$54.00} and formal acknowledgment that Allys card lock feature failed to prevent an unauthorized authorization.

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 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XXXX XXXX offered me one of Hondas promotions, stating Honda wwill pay my remaining balance for my XXXX and my XXXX will be used as a down payment towards My XXXX  Honda XXXX hybrid in the year of XXXX  approximately XX/XX/year>. Without my consent and knowledge the contract was switched and FALSE signatures was cut, copy and pasted to a diffrent contract combining BOTH vehicles together under the name of one car HONDA XXXX XXXX XXXX.. I contacted XXXX XXXX and The XXXX  dept In XXXX XXXX NY and confronted them with the information that was revealed to me!!!!!!!!! " Why did you add My trade in to my NEW CAR without my consent!!!!! and I requested a copy of my contract and was told It would come in the mail.. I NEVER RECEIVED IT.... I AM DISPUTING the FABRICATED CONTRACT that was prepared after I left the premises..... I NEVER AGREED TO PAY FOR TWO VEHICLES AT the same time..... American Honda is aware of this.... I am seeking a RESOLUTION... This is auto FRAUD! I want the XXXX removed from my account.....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc.
State: AZ

Complaint narrative:
Hello, I am filing a complaint regarding my Brigit Note loan and the way the account has been handled. 

I believe Brigit has reported and/or handled my loan in a way that is inaccurate and unfair. I am requesting that Brigit correct the issue immediately and provide written confirmation of the resolution. 

What happened : Brigit issued me a Brigit Note loan. I have concerns about the accuracy of the balance, payment history, and/or the way the loan has been serviced. I have attempted to resolve this directly, but I have not received a clear resolution. 

The main problem is : The account information is not being handled correctly, and it may be affecting my credit report and financial standing.

I am requesting that Brigit review the account in full and correct any inaccurate records. 

What I want Brigit to do to resolve this : Provide a full itemized breakdown of my loan, including the original amount, all payments, fees, interest, and the current balance. 

Correct any inaccurate reporting to the credit bureaus ( XXXX, XXXX, and XXXX ), including late payments, balances, or status. 

If any fees or negative marks were caused by errors, I want them removed. 

Provide written confirmation of the final results. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
On XXXX XX/XX/scrub>, 2026, I attempted to use my Avant credit card at a restaurant. I could not use it, receiving " unauthorized '' as the explanation. On Sunday, XX/XX/scrub> 2026, I tried to use the Avant card to make an online purchase. I could not do so, again with " unauthorized '' as the reason. 

On XXXX  XX/XX/scrub>, 2026, I contacted Avant customer service XXXX to resolve this matter. I was told that I needed a " termination letter '' to remove the " unauthorized '' designation from my account. I asked for more information, butthe customer service did not provide a clear explanation. I was told to get a termination letter from the XXXX to remove the hold. I did not know what a XXXX was, and was told it was a debt management company. I have never contacted or engaged a debt management company. I asked for more information ; customer service had little information other than " XXXX XXXX XXXX '' and an email address of " XXXXXXXX XXXX. '' On XXXX XX/XX/scrub> 2026, I cancelled my Avant credit card for unsatisfactory customer service. I also checked my credit report, and I am in good standing with all of my accounts, including Avant. 

On XXXX XXXXXX/XX/year>2026, I contacted XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). Neither entity knew who I was and had no record of me. 

I called Avant customer service again, asking for information about the company that authorized Avant to access and interfere with my credit card. Again, customer service provided me with the same scraps of information : " XXXX XXXX XXXX '' and " XXXX. '' Once again, I asked who authorized Avant to access and interfere with my credit card. This time, customer service stated that I authorized the debt management company to do so. 

I never contacted a debt management company. Customer service claimed it would escalate the matter. I stated I would escalate the matter to CFPB as Avant violated my credit card agreement. The call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Mountain America Federal Credit Union is reporting inaccurate and inconsistent information regarding a credit card account that is listed as charged off with a balance of approximately {$2200.00} and a credit limit of {$2000.00}. 

The account is being reported as closed/charged off, but the reporting contains inconsistencies across the credit bureaus, including differences in last activity dates, late payment history, and remarks. The information being reported does not clearly or accurately explain how the balance increased above the credit limit, or how the charged-off balance was calculated. 

I have not been provided a complete itemized accounting showing the original balance, interest, fees, and how the final charged-off balance was determined. This inaccurate and unclear reporting is damaging my credit.

I am requesting that Mountain America FCU fully investigate the account and correct any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am writing regarding the goodwill adjustment request for my account listed below. 

Creditor : [ Best Buy / Citibank Account Number : ( XXXX ) If a goodwill adjustment is approved and the late payment ( s ) are removed or corrected, I respectfully request that the updated information be reported to all three major credit bureaus Experian, Equifax, and TransUnion to ensure my credit reports accurately reflect the adjustment. 

I appreciate your assistance in making sure any approved changes are reported consistently and accurately across all credit reporting agencies. 

Thank you for your time and consideration.

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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Inaccurate Credit Reporting of Insurance-Related Collection by XXXX XXXX XXXX I am submitting this complaint regarding inaccurate and improper credit reporting of an insurance-related collection account attributed to XXXX Secure Company. 

A collection account in the amount of {$350.00} is being reported on my credit report by Credit Collection Services, with XXXX XXXX XXXX listed as the original creditor. 

This reporting is inaccurate, misleading, and has not been properly validated. 
Specifically : The alleged debt is insurance-related and has been reported without adequate verification of contractual obligation or legal responsibility. 
The account has been furnished to consumer reporting agencies without sufficient documentation establishing accuracy, ownership, or reporting authority. 
The reporting fails to meet the accuracy and completeness requirements mandated by the Fair Credit Reporting Act.

Under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), furnishers are required to ensure that information reported to consumer reporting agencies is accurate, complete, and verifiable, and to conduct a reasonable investigation when a dispute is raised. 

I am requesting that XXXX XXXX XXXX and any associated collection agency : Conduct a full and lawful investigation into the accuracy of this account Provide written verification establishing contractual obligation, ownership, and reporting authority Correct or delete any information that can not be fully verified Update or remove the account from all consumer reporting agencies accordingly If the accuracy of this account can not be substantiated, the negative reporting must be deleted as required by law. 

I am requesting CFPB assistance to ensure compliance and resolution of this matter. 
Thank you for your attention. 

XXXX XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Every time I call the title loan company to either pay off my debt or figure out a consolidation arrangement they always give me a different amount to pay back. They don't keep track of what they say and it's hard to keep track of what is the correct amount to pay off and who is the right person to contact. The first issue I had, I had spoken with a representative it was about couple years ago. I ask what was the total of my loan to pay off she said about 2000. I was short like {$200.00} so I ask if it was ok if I can just pay off with XXXX and she said let me ask her supervisor. Her supervisor approved it then I paid it, so the next day I called to follow up and they said my loan was not paid in full. So I immediately called my bank to take my money back because they have giving me false information and it was not told to the other employees to say paid off. I tried reaching out for a manager or owner and no one reach back so I took a break. After a couple of months I tried reaching again because I was really determined to pay them off. I spoke with debt consolidation at there company and she told me I can do a payment plan of XXXX whenever I was ready so I said ok when I get my job situated I'll call back. I believe it took me a couple of months to get everything situated so I then called them to set up the payment plan. The company said it was already set up and I missed my payment. I said I never agreed I just called to ask questions. So like I said every time I called they have giving me different answers no paper written of total or date or anything. They just been putting on my credit report not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I HAVE 3 CREDIT CARDS AND AT DIFFERENT TIMES ALL 3 HAVE BEEN HACKED. WHAT HAPPENS IS THE CREDIT CARD IS SHUT OFF AND I HAVE TO CALL THEM AND SEE WHAT HAS HAPPENED. EACH TIME THERE CHARGES THAT I OR MY WIFE HAS NOT CHARGED.

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