vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — VA 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: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I am a veteran with a VA-backed mortgage serviced by Mr. Cooper. I recently lost my job and am experiencing financial hardship expected to last several months. I am formally requesting VA hardship forbearance and loss-mitigation assistance.

I have made multiple good-faith attempts to request this assistance : I called Mr. Cooper and was transferred to Loss Mitigation twice. On both occasions, the call was disconnected after transfer. 
I attempted to submit a forbearance request through Mr. Coopers online portal using the appropriate payment assistance / hardship category, but the system would not allow me to submit the message ( the send button was disabled ).

I submitted the request through an alternate portal category to ensure my hardship request was documented in writing.

Mr. Cooper responded only by instructing me to call to speak to a Loss Mitigation representative, despite my prior failed phone attempts. The portal ticket was then closed and made read-only, preventing further written
communication or clarification.

Mr. Cooper has not assigned a case or reference number, has not acknowledged or processed my VA forbearance request, and has redirected me back to phone channels that have already failed. 

I am requesting that Mr. Cooper : Acknowledge my VA hardship forbearance request in writing, Assign a case/reference number, and Meaningfully engage in VA loss-mitigation review without requiring repeated phone attempts that have already been unsuccessful.

I am seeking written confirmation of next steps and compliance with VA mortgage servicing requirements.

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

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Genesis XXXX XXXX related to an alleged broken lease obligation. 
I previously contacted Genesis XXXX XXXX in writing to request a settlement offer that would include deletion of the collection account from my credit reports. Instead of responding to my written correspondence, the company sent a debt validation packet by mail, which included a copy of the lease and documentation showing assignment of the debt.

I subsequently contacted Genesis XXXX XXXX by phone to inquire whether a settlement agreement that includes deletion of credit reporting is possible. During this call, the representative stated that the company can not agree to a settlement that includes deletion and that my account is not eligible, but was unable to identify or provide any formal written policy explaining this restriction or the criteria used to determine eligibility.

I specifically asked whether there is a written policy prohibiting pay-for-delete settlements. The representative repeatedly stated that they can not do this, but did not provide any written explanation or policy when requested. I also requested written communication regarding settlement options, and I was told that the company does not communicate in writing regarding settlements.

During the same call, the representative stated that she would note my account as refusing payment options. I immediately clarified that I was not refusing payment, but rather requesting information about settlement terms and whether deletion was possible. Despite this clarification, the call was ended without providing any written clarification or alternative resolution.

I am concerned about the lack of transparency, refusal to provide written explanations of settlement policies, and the inaccurate characterization of my inquiry as a refusal to pay. I am requesting that Genesis XXXX XXXX provide written clarification of : Whether a formal policy exists regarding settlements that include deletion of credit reporting The criteria used to determine whether an account is eligible or not eligible for such settlements Accurate documentation of my account notes reflecting that I did not refuse payment, but requested settlement information Confirmation of what settlement options, if any, are available in writing I am seeking resolution through written communication and clarification of my rights and options regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, an unauthorized/fraudulent check activity was associated with my Bank of America account XXXX A check for approximately {$31000.00} was reportedly attempted/processed under my name without my authorization. I did not create, sign, deposit, or cash this check. 

I was not provided clear written documentation explaining what Bank of America believed happened or why it was flagged as fraud. When I contacted Bank of America multiple times, I received vague statements but no supporting evidence ( such as a copy/image of the check, deposit/presentment records, IP/device logs, teller notes, surveillance confirmation, transaction details, or the banks investigation findings ). 

As a result, Bank of America furnished information to XXXX that labeled me under suspected fraud activity, which has caused ongoing harm, including denial/restrictions of banking services and financial opportunities. 

I am requesting that Bank of America ( XXXX ) conduct a reasonable investigation, ( XXXX ) provide the documentation and method used to verify the fraud allegation, and ( XXXX ) correct/delete any inaccurate reporting furnished to XXXX and any other consumer reporting agencies. I have filed an identity theft report and dispute documentation, and I am seeking a full correction of my consumer file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I do not have a contract with LVNV funding llc. They are not entitled to collect t this debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year> I requested a balance transfer of {$1600.00} to my XXXX account. This was not paid and instead XXXX cancelled the transfer and closed my account. Since then I have spoken to them multiple times to find out where my money is. Initially they stated that a check wouldve posted to me but until now nothing has arrived. I spoke with them today and they have informed me that I must come into a branch to get the money. This is not possible as I now reside in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
previous case number XXXX since then, on XX/XX/XXXX i received email saying i was owed {$960.00}. This has still not been refunded. i have written to Mohela and XXXX. I currently have another complaint about this from XX/XX/XXXX and still not response.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Lease
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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
In XX/XX/XXXX, I paid off my XXXX XXXX in full using a certified-mailed payoff check issued by XXXX XXXX XXXX XXXX XXXX The check was made payable to both me and XXXX XXXX, meaning XXXX was fully aware I was the party entitled to receive the certificate of title. 

On XX/XX/XXXX, XXXX confirmed via email that they received all required documents : the certified payoff check the odometer disclosure the XXXX title release form On the title release form, I listed the mailing address for where the title was to be sent in two separate places. 

On XX/XX/XXXX, when I called to check the status of the title release, I was informed that XXXX mailed the title to XXXX XXXX XXXX XXXX in XXXX instead of to me. XXXX provided no prior notice that they sent the title to an address different from the address I supplied. 

Because the title was not sent to me, I am unable to complete the Texas XXXX requirements to add my bank as the first lienholder. My bank has notified me that they can not finalize or validate my auto loan without receiving proof of ownership from me. I was also informed that I may incur a higher interest rate and other potential penalties because the lienholder can not be added within the required timeframe. 

The delay is the direct result of XXXX misdirection of the title, despite having all correct documentation and the correct mailing address. XXXX actions have created unnecessary administrative hardship and financial risk. I am requesting corrective action, including reissuing the title to the correct address and assurance that I will not be financially penalized due to XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Other type of 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: Real Time Group, Inc.
State: NJ

Complaint narrative:
I have been receiving mails, phone calls and pretty much harassments for a mortgage company I do not work with. On XX/XX/XXXX I received my agreement letter with my current mortgage company XXXXXXXX XXXX stating that as of XX/XX/XXXX I would no longer be with XXXX XXXX ALL loan will be transferred to XXXXXXXX XXXX On XX/XX/XXXX I started receiving letters for lawyers because I was being sued by Realtime Resolution for over {$300000.00} of debt that I needed to come up with. My frustration with this has been up the roof because I am committed to XXXX mortgage company and I pay them faithfully every month. I am seeking legal actions because someone dropped the ball back in XXXX when this issue should have been settled and because of someone's lack of work I had to suffer emotional and physical stress and being tormented by phone calls and letters being sent for lawyer suggestions as if I haven't been doing what I need to do. I hope to see a change in my issues because I am well over XXXX XXXX XXXX and should not be dealing with this issue especially not being my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding a dealer-originated title and registration defect. 

I am a XXXX XXXXt, insured in XXXX yet the selling dealership improperly titled and registered my vehicle in XXXX and issued permanent XXXX plates. 

XXXX XXXXXXXX confirmed that the dealership is responsible for correcting this error and that it can not be corrected by the consumer. 

Westlake Financial representatives incorrectly advised me that I must personally pay to correct the registration or that unwinding the deal would be treated as a voluntary surrender, which is false and misleading. I am not requesting a surrender. 

I am requesting immediate lender intervention to require the dealership to cancel the improper Virginia registration and properly title and register the vehicle in Maryland at no cost to me, so the lien can be properly perfected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding Capital Ones denial of my debit card fraud claim and their refusal to provide supporting evidence. 

An unauthorized ATM withdrawal of {$1300.00} occurred on my checking account on XX/XX/XXXX. I never received, activated, or possessed the replacement debit card that Capital One states was used. I still had my prior deactivated debit card in my possession at the time of this transaction taking place. 

I reported the unauthorized transaction promptly on XX/XX/XXXX. Capital One initially indicated a provisional credit would be issued but later denied my claim stating only : Due to your assertion about debit card possession and transaction information. Capital One has refused to provide any evidence supporting this denial, including how the card was activated or proof that I authorized the transaction. 

I have made multiple requests to Capital One asking for their supporting evidence on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX without a proper response. 

Key facts : I never received or activated the replacement debit card. 
I did not perform the ATM withdrawal. 
I received no transaction alert for this withdrawal. 
My last legitimate transaction was a XXXX cash deposit, which does not require a debit card. 
I discovered the fraud only when attempting to pay rent and saw my account was overdrawn. 

Under Regulation E ( Electronic Fund Transfer Act ), this transaction qualifies as an unauthorized electronic fund transfer. Capital One has failed to meet its obligation to provide a reasonable investigation or supporting documentation for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Tower Loan regarding improper and harassing collection practices. 
On XX/XX/year>, I delivered a written notice informing Tower Loan that my employer prohibits personal calls at my workplace and requesting that all workplace contact cease. Despite this written notice, Tower Loan has continued calling me at work multiple times During one of these calls, a Tower Loan representative explicitly acknowledged awareness of my request by stating, I know you dont like us calling you at work, but, and proceeded with the call anyway. 
These repeated workplace calls after written notice are disruptive, inappropriate, and coercive. My employer does not permit personal calls, and Tower Loan has been clearly informed of this. 
I am requesting that Tower Loan : Immediately cease all workplace calls Restrict all communications to written correspondence only Provide written confirmation that my account has been flagged accordingly I am documenting all post-notice calls and request regulatory review of Tower Loans collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Giggle Finance Inc.
State: IL

Complaint narrative:
I am a W-2 employee and consumer. I do not operate a business and I do not have a business bank account. 

Giggle Finance approved and funded what they described as a business or merchant cash advance product, even though the funds were deposited directly into my personal checking account and my income is W-2 employment income. The agreement required me to certify that the account and funds were used solely for business purposes, which is inaccurate and was not verified by Giggle Finance.

Giggle Finance later admitted in writing that my application for this advance was submitted before I was eligible under their own policies and that they did not reject it, but instead held it aside and later funded it anyway. This indicates improper underwriting and approval of an ineligible application.

After funding, Giggle Finance initiated recurring withdrawals from my personal checking account. I revoked authorization and placed a stop payment with my bank. After my authorization was revoked, Giggle Finance continued withdrawing funds by switching from ACH debits to charging my debit card, without my consent or any new authorization.

I disputed these transactions with my bank as unauthorized electronic fund transfers, because they occurred after authorization was revoked and because this was a consumer account, not a business account. The bank informed me they could not recover the funds, but the withdrawals continued despite my revocation.

In summary : I am a consumer, not a business The product was misclassified as business financing The application was ineligible and improperly approved Funds were deposited into a personal account Authorization was revoked Giggle Finance continued debiting by switching payment methods without consent I believe Giggle Finance engaged in unfair and deceptive practices by misclassifying a consumer transaction as business financing, approving an ineligible application, and continuing to debit my account after authorization was revoked.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used promotional 0 % APR financing through Synchrony for a furniture purchase. The promotional period ended around XX/XX/year>. The expiration date of the promotional period and the fact that deferred interest would be applied retroactively were not reasonably disclosed in statements or notices. After the promotional period ended, deferred interest was added back to the start of the financing, creating a significant and unexpected interest charge. 

At the time of purchase, there was confusion during the transaction process and the merchant had to reprocess the financing. Because of the extra steps and irregular onboarding, I am not confident that the promotional expiration terms, the retroactive interest rules, or the remediation timelines were clearly disclosed at the time of onboarding. 

I contacted Synchrony to understand why this happened and was told that I had only 30 days after the interest posted to dispute it, but that remediation deadline was not disclosed in any of the materials I received. I ultimately paid the full balance including the deferred interest. 

My concern is that the timing and mechanics of the promotional expiration, the retroactive interest, and the remediation window were not disclosed in a way a typical consumer could understand in advance. I am requesting a refund of the deferred interest due to inadequate disclosure rather than unwillingness to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — 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: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have 5 residential, rental property mortgages with PHH Mortgage. 
I have been unable to login to the PHH website to download tax forms, print statements, and any other services. 

The representative I spoke with said that there had been a technical issue affecting the phone lines and the reception might be spotty ( it was ) in addition to just trying to login to the website. There is no XXXX by which I will be able to login to my accounts again.

Company response to consumer: Closed with explanation