vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: NE

Complaint narrative:
I am filing this complaint regarding Afterpays handling and classification of a payment made within a contractual grace period and the adverse actions that followed. 

My Installment Agreement with XXXX provides a XXXX grace period for payments. I made my installment payment within that grace period and was not charged a late fee. Under the agreement, the payment was therefore timely. 

Despite complying with the agreement, XXXX classified the payment as late and imposed adverse action on my account. This included a significant reduction in my available spending amount and, after successful completion of the installment plan, a refusal to grant a customary spending limit increase that I have consistently received after XXXX consecutive successfully completed installment plans. 

After I filed complaints with regulatory agencies, XXXX reinstated my prior spending limit, describing the reinstatement as an exception, while continuing to maintain that the payment was late. XXXX has refused to identify any provision of the Installment Agreement that permits a payment made within the contractual grace period to be treated as late or adverse. 

In addition, XXXX customer service chatbots and representatives repeatedly acknowledged my strong repayment history, long-term customer status, and lack of declined payments, but consistently refused to explain how a contract-compliant payment resulted in adverse treatment. Instead, they relied on vague references to multiple factors, other criteria, and generic help articles without providing any account-specific explanation. 

My concern is that XXXX practices contradict the plain language of its agreement and misrepresent how contractual grace periods are applied, resulting in undisclosed penalties and adverse treatment despite compliance with the terms of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: TN

Complaint narrative:
I used XXXX to finance a purchase made through XXXX. The merchant has failed to deliver the goods and has never provided a Bill of Lading or any proof of shipment. XXXX has reopened the dispute multiple times without the seller providing any shipment documentation, and no final resolution has been issued. 

XXXX has refused to provide relief and has instructed me to resolve the issue solely through XXXX, despite the fact that the goods were never delivered and there is no proof they were ever shipped. I have continued to make or remain responsible for installment payments for a transaction involving non-delivery of goods. 

This is a case of non-delivery and failure of the merchant, combined with XXXX refusal to provide consumer protection or escalation despite clear evidence that no shipment occurred. I am seeking intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: MD

Complaint narrative:
I financed a purchase through Affirm for XXXX XXXX XXXX XXXX XXXX  sold via XXXX. The product was advertised as authentic. After receiving the items, I discovered they were not authentic : both bottles had identical batch codes, which should not occur on genuine luxury fragrances sold individually, and the scent performance was inconsistent with an authentic bottle I purchased from XXXX. 
I contacted the seller and XXXX to report non-authentic / not-as-described merchandise. The seller refused a refund citing a non-returnable perfume policy. XXXX escalated the issue but did not resolve it. 
I then disputed the charge with Affirm, providing photos and documentation. Affirm closed the dispute in the merchants favor based solely on the merchants non-returnable policy for perfumes, without addressing the counterfeit / misrepresentation claim. Return policies should not override disputes involving non-authentic or not-as-described goods. 
As a result, Affirm is requiring payment on a loan for goods that were materially misrepresented. I am requesting review of Affirms handling and classification of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC
State: NC

Complaint narrative:
This company calls my work phone 20+ times a day starting at XXXX XXXX  to XXXX XXXX 7 days a week. I believe they are called D2 Management but they are calling looking for someone that does not work here, I do not know, and has no affiliation with our company. This is a business line owned by XXXX XXXX XXXX XXXX and it is interfering with valid business calls. I told them I would file a complaint with the FTC and CFPB and will take them to small claims court if it continues. The calls are excessive along with their voicemails. Being they call from different numbers blocking the number does no good. The number they give to call back is XXXX. I called and told their reps to remove me from their list they typically just respond rudely and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Car World Group
State: AR

Complaint narrative:
I am writing to formally dispute a repossession account currently appearing on my credit report. This account is being reported inaccurately and/or without proper verification, and therefore must be deleted immediately pursuant to federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. The repossession in question fails to meet this standard for the following reasons : LEGAL BASIS FOR DISPUTE Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) requires to maintain reasonable procedures to assure maximum possible accuracy.

This repossession contains inaccurate and/or misleading information, rendering it non-compliant.

Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), must conduct a reasonable reinvestigation when information is disputed.

Any verification must be based on actual evidence, not automated or superficial confirmation.

Unverifiable Information Must Be Deleted If the furnisher can not provide complete and competent verification, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires deletion of the item.

Incomplete and Misleading Reporting Reporting a repossession without full documentation ( including lawful repossession notice, post-sale accounting, and deficiency balance calculation ) violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Failure to Identify the Source of Information Pursuant to 15 U.S.C. 1681g ( a ) ( 2 ), I am entitled to know the exact source of the information reported.

Obsolete or Improperly Timed Reporting ( If Applicable ) If the Date of First Delinquency is incorrect, this violates 15 U.S.C. 1681c ( a ) ( 4 ) and 1681c ( c ).

Repossession Is a Severe Derogatory Mark Requiring Strict Compliance Because a repossession significantly impacts creditworthiness, TransUnion is held to a heightened standard of accuracy and documentation under the FCRA.

FORMAL DEMAND I am demanding Conduct a lawful, manual reinvestigation of this repossession Require the furnisher to provide documentary proof, including : Original retail installment contract Proof of my legal obligation Notice of right to cure ( if required ) Proof of lawful repossession Post-repossession sale accounting Deficiency balance calculation Delete the account immediately if such verification can not be produced Provide me with written confirmation of deletion or a detailed explanation of your findings Please be advised that continued reporting of inaccurate or unverifiable information constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, which may subject to civil liability.

This letter serves as my formal notice of dispute. I expect full compliance within the statutory period. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for an auto loan on the app and was approved to purchase a XXXX XXXX, I decided not to purchase the XXXX  and instead purchased a XXXX XXXX From a different Dealer, I picked up the draft for this purchase form the branch located on XXXX XXXX XXXX XXXX  and completed the transaction and took possession of the auto, I Went into the branch located on XXXX XXXX XXXX XXXX  And paid the full amount of the loan. I am receiving notices of missed payments and i was told by the credit union that there are two active loans and that my final payment was applied to the loan for the XXXX  which i did not purchase and do not have possession of, I received one draft form the XXXX XXXX to purchase the XXXX XXXX and never received a draft to purchase the XXXX. This is affecting my credit rating in a very negative manor and there is the very serious matter of over {$20000.00} being applied to a loan of a purchase the never occurred I have been trying to resolve this issue for the last month over the phone and in the branch and this issue is causing financial hardship with the negative impact on my credit rating as well as emotional stress and anxiety as it relates to over {$20000.00} be applied to a loan for a purchase that never occurred and I see this a a very serious breach of fiduciary responsibility on the part of Navy Federal I would like for my loan payment to be applied to the car I purchased, and the negative rating as a result of this issue to be resolved and my credit restored. I am also seeking financial compensation for time taken from my employment to seek to resolve this issue in the amount of {$2500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc.
State: TN

Complaint narrative:
Your continued collection activitie after receipt of my FTC identity theft report violates the Fair Debt Collection Practices Act including but not limited to 15 U.S.C. Sections 1692e 1692f and 1692g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Unisa, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX, I entered into an income-contingent education financing agreement with XXXX XXXX. The agreement states that monthly payments are required only during Qualified Income-Earning Months, defined as months in which actual Monthly Earned Income equals or exceeds {$3300.00} ( equivalent to {$40000.00} annually ). Any month below this threshold must be treated as a deferred month. 

XXXX XXXX. later ceased operations. The agreement is now serviced by UNISA , Inc. In or around XX/XX/XXXX, UNISA placed my account into active repayment and marked it delinquent, assessing past-due amounts and late fees. 

UNISAs determination appears to rely on annualized or estimated income rather than my actual monthly earnings. My current wage is {$19.00} per hour at approximately XXXX hours per week, and my actual monthly gross income does not consistently meet the {$3300.00} threshold required to trigger payment under the agreement. 

I contacted the company to dispute the repayment status and requested an explanation of how my income was calculated and why deferment was not applied according to the contract. I also requested correction of the account and removal of the delinquency. The company has not provided a clear explanation or documentation supporting its determination, and the delinquency remains. 

I believe the servicer is improperly enforcing the income-contingent agreement by misapplying the contractual repayment trigger and assessing delinquency despite the deferment conditions being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
My loan was transferred to AmeriHome in mid XXXX. I set up my account and my auto-pay as I've done many times with other companies. It said I was enrolled in auto-pay but just in case I went to make an payment for that first month. Before I was about to hit the make payment button there is a warning that I was already enrolled in auto-pay. The payment I was attempting would be an additional payment, therefore I didn't move forward with that payment. Weeks went by and they never deducted my payment. I finally get a call and they request that I make a payment before I get charged a late fee. They say that I'm not enrolled in auto-pay and there is no bank account on file even though it says I am enrolled on their site and shows my bank account information. I make a payment on that day XX/XX/year> but come to see on their site they still charged me a late fee. 
I thought this may be a fluke for the first month but again my XXXX payment was not deducted. I tried calling customer service and they say their office is closed even when I'm calling in their stated hours of operation. I tried the chat function and it only directs me to call the number that nobody answers or send an email to an address that nobody answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, while traveling from XXXX, North Carolina to XXXX, North Carolina, my family made a brief stop at a gas station for a restroom break and a small purchase. Later that day, I noticed multiple debit card charges at gas stations and grocery stores in locations we were not near. 

On XX/XX/XXXX, I received a text that appeared to be a fraud alert. Due to concern it may have been a scam, I did not respond and instead contacted USAA directly to report the charges as unauthorized. USAA opened a fraud investigation and issued provisional credit for the disputed transactions, totaling approximately {$110.00}. 

After the investigation ( XX/XX/XXXX ) USAA sent a notice stating the investigation was deemed not fraudulent and that provisional credits would be reversed on XX/XX/XXXX, XXXX. On or about XX/XX/XXXX USAA reversed the provisional credit removing the credited funds from my checking account. This reversal drained the account and left my family with no available funds, with our next payday more than a week away. 

I contacted USAA multiple times to request escalation and clarification of the decision. I was informed that because merchant documentation had been requested, no further review could be conducted, and I was advised to take the matter up with the merchants. I was not provided the documentation relied upon at the time of the decision and was told it would be sent separately. 

The disputed transactions were not geographically consistent with our travel, were reported immediately, and occurred at merchants we did not visit. I am concerned USAA relied primarily on transaction processing information rather than a full evaluation of fraud risk, travel mismatch, and consumer impact. 

Additionally, no meaningful hardship assistance was offered despite the reversal causing immediate financial hardship for my family.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In early 2026, the business bank account ( s ) of XXXX XXXX XXXX were closed by the bank without any clear or specific explanation. 

The company was informed that the decision was final, but no written reason, internal category, or compliance rationale for the account closures was provided. 

I contacted the bank to request clarification regarding the reason for the closure, however no specific explanation or risk category was disclosed. 

I am submitting this complaint to formally request a written explanation of why the business account ( s ) of XXXX XXXX XXXX were closed, including the internal risk, compliance, or policy category used to make this decision. 

I am not requesting that the accounts be reopened. I am only requesting clarity and transparency regarding the reason for the closures so that the company can understand the issue and avoid similar situations in the future.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC charged multiple overdraft fees within one week based on daily fees assessed on the same negative balance caused by recurring automatic card transactions. Prior to these charges, I contacted PNC requesting that overdraft transactions be blocked and declined if funds were unavailable. I was not informed that recurring transactions could still be authorized or that daily overdraft fees could continue to accrue on the same balance. As a result, multiple fees were assessed while the account remained negative during a period of financial hardship. I requested a courtesy refund and escalation and was denied due to prior refunds. I am requesting reconsideration of the overdraft fees charged and clear written confirmation of how overdraft blocking applies to recurring transactions and daily fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint narrative:
I am submitting this complaint regarding a private student loan originally originated by Navient and now serviced by XXXX, identified as a XXXX  XXXX  Loan. I have experienced prolonged financial harm due to the structure and servicing of this loan. Despite years of consistent, good-faith payments, the loan balance has not meaningfully decreased because daily interest accrual consumes nearly all payments before any principal reduction occurs. I am effectively paying interest only, indefinitely. I have exhausted every hardship option offered by the servicer, including forbearance, rate reduction programs, and modified repayment discussions. These options provided only temporary relief while allowing interest to continue accruing, worsening my financial position. I am now in a situation where I must borrow money from friends and family simply to cover basic living expenses. I am the sole income earner for a household consisting of my wife and XXXX minor children. I currently reside outside the United States ( XXXX ), which materially limits my ability to increase income or access U.S.-based relief programs. Despite this, the servicer has offered no sustainable long-term solution. A co-signer ( my aunt ) is attached to this loan. I am continuing to pay solely to protect her credit, even though the payment is financially destructive to my household. This dynamic creates coercive pressure that prevents meaningful resolution and exacerbates harm. I believe Navient and XXXX  servicing practicesincluding steering borrowers into temporary hardship programs while allowing balances to grow, failure to offer realistic long-term repayment solutions, and maintaining a loan structure where repayment does not reduce principalconstitute unfair and harmful servicing conduct. I am requesting : A full review of the loans servicing and interest application history Consideration of non-standard relief, settlement, or principal adjustment A response from a supervisory or executive-level resolution team I am not refusing to pay. I am seeking a lawful, sustainable resolution that does not destroy my familys financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Tired that you have been wanting me XXXX Cash app XXXX

Company response to consumer: Closed with explanation