vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I was served with a foreclosure complaint on XX/XX/year> and have been working to reinstate my loan within the statutory reinstatement period. I received multiple reinstatement statements from the servicer reflecting inconsistent total amounts and unexplained fluctuations, particularly in attorney fees and corporate advances. These inconsistencies have made it difficult to determine the correct amount required to reinstate the loan. The reinstatement amount includes attorney fees of approximately {$2800.00} {$3000.00}. I requested an itemization of these fees ; however, I was only provided with a breakdown of court costs ( approximately {$1000.00} ). The attorney fees remain presented as a flat amount without any breakdown of services performed, dates, or time billed. These attorney fees are nearly equal to the past-due mortgage amount and appear disproportionate for the early stage of the foreclosure case. Without proper documentation, I am unable to verify that these charges are reasonable or actually incurred. The lack of transparency prevents me from confirming the accuracy of the reinstatement amount. I have attempted to resolve this issue directly with the servicer and their attorneys, but no sufficient clarification has been provided. I also filed objections with the court disputing the attorney fees and requesting clarification. In response, the documentation provided and filed by them in court still reflects attorney fees as a flat amount without sufficient detail to verify the reasonableness of the charges. I am ready and willing to reinstate the loan before the statutory deadline of XX/XX/year> ; however, I need an accurate and properly supported reinstatement amount in order to proceed with payment. I am requesting that the servicer provide a corrected reinstatement amount and sufficient documentation supporting the attorney fees so that this matter can be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I took out a personal loan with OneMain Financial in XXXX and have made consistent efforts to repay it. However, due to the high interest and overall cost of the loan, my balance has not meaningfully decreased. Instead, I have been placed in what feels like a continuous cycle of debt where payments primarily go toward interest rather than reducing the principal. Over time, the added interest has created an uphill battle to repay this loan. Despite making payments, I am not seeing real progress, and the loan has become increasingly unmanageable. I am now experiencing significant financial hardship and am struggling to keep up with the required payments. I am especially distressed that my vehicle title is now attached to this loan. I was close to fully owning my car before entering into this agreement, and I now feel at serious risk of losing my vehicle. This situation has placed me in a vulnerable position and has caused ongoing financial and emotional stress, as I rely on my vehicle for daily living. I do not believe the long-term cost, impact of interest, or risk associated with this loanincluding the effect of attaching my vehiclewere clearly or fully explained to me at the time I agreed to it. The structure of this loan, including the accumulation of interest, has made it extremely difficult to escape and has contributed directly to my current financial distress. Orignial amount : {$14000.00} ( XXXX ) Current Payoff : {$15000.00} ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, Im submitting a complaint about CareCredit, issued by Synchrony Bank, and the way a deferred interest promotion on my CareCredit account was handled. I had a promotional financing period that was described to me as 0 % interest. The promotional payoff date was XX/XX/year>. I paid the full remaining balance on XX/XX/year>, just XXXX weeks later. After making that payment, I learned that a large amount of retroactive interest had been added to my account. This was a complete shock to me. I genuinely believed I was using a normal 0 % promotion and that paying the balance in full would avoid interest. I did not understand that this was a deferred interest promotion that could add interest to the entire balance if the payoff date was missed by even a short period of time. I feel the way this promotion was presented was confusing and misleading. The difference between a true 0 % APR promotion and a deferred interest promotion is extremely important, but it was not made clear to me in a way that I understood at the time. If I had clearly understood that missing the deadline by even a small amount would cause interest to be added to the entire balance, I would have taken steps to make sure the balance was paid before the deadline. I paid the balance in full only XXXX weeks after the promotional date. This was not a situation where I ignored the debt or refused to pay. I made a good-faith effort to pay the account off, and I did pay it off in full. XXXX charged interest on the entire promotional balance because of a short delay feels extremely punitive and out of proportion. I have tried to resolve this directly with CareCredit multiple times and was on XXXX call for XXXX hours. They have told me the retroactive interest must stand. I do not feel this is fair given the circumstances, especially considering how confusing these promotions are and how they are often used in medical and dental situations when consumers are already under stress. I am asking for help to have the retroactive interest removed and my account adjusted to reflect what the balance would have been if the promotion had been clearly understood. I am also asking that my account remain in good standing and that no negative credit reporting result from this issue. Thank you for taking the time to review my complaint. I appreciate any assistance you can provide. Sincerely, 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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: NC

Complaint narrative:
I voluntarily surrendered the XXXX XXXX XXXX back in XX/XX/XXXX due to lost of employment so I couldnt afford the vehicle anymore. Now Carmax is demanding me to pay an outstanding balance demanding me to pay them or if not theyll take out a lawsuit against me which was not in the contract. Carmax ( or an impersonator ) already committed fraud against me back on XX/XX/XXXX where {$810.00} was taken from me because I made a payment but Carmax stated they never received any payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
They still have not provided balances for both accounts showing how the XXXX was taken from the card and credited back. Where is the accounting with the running balances I requested? Both accounts are Wells Fargo if they were being honest they would show running balances on both accounts. Nothing new was done. Where is the accounting with both balances reflecting the XXXX payment and credit?

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received my closed-out retirement check on XX/XX/XXXX, direct deposit into my business checking account in the amount of {$9600.00} XXXX XXXX. I made a payment on the business line of XXXX XXXX in the amount of {$8500.00}. to have the money available for emergency ( doctor bill, medication, bills and other ). XX/XX/XXXX XX/XX/XXXX ONLINE PAYMENT + {$8500.00} bal. XXXX I was making the monthly payment, but the monthly interest was more than the monthly payment. I thought to pay the card down, but have the money for emergency, instead they close the account. Now I have no money for retirement emergency. Balance Information : Payment Due Information : Minimum payment ( due on XX/XX/XXXX ) {$0.00} : XXXX XXXX XXXX line {$10000.00} Outstanding balance as of XX/XX/XXXX {$1200.00} Available credit {$0.00}. She said because of my high-risk credit, however I was paying my monthly payment, and they did not send me a warning about closing the account if I made a large deposit/payment. They could just close the account, and I can continue to make monthly payment. Watching my account to take my retirement money that I have worked for is not fair treatment or humanity. I have had these account for over XXXX years and can not believe they have taken my retirement money. I would have left it in the saving account. I truly need my money back and they can close the account, and I will make monthly payment. I spoke with XXXX people they said they can not reopen the account, and that's fine just give my money back and I will make monthly payments. This is senior citizen abuse as well. Thank you for understanding

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 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair collections and outsourcing is trying to collect a debt from me since XXXX, that I claimed was fraudulent and incorrect. I advised them that it was predatory, they had already kept my deposit and were trying to charge me junk fees that I did not owe. The credit collector did not care of any of the documentation that I sent or bothered to validate. XX/XX/XXXX I received a letter from the FTC that XXXX XXXX had been sued for fraudulent practices, retaining deposits from renters and charging junk fees. I was also sent a restitution check of {$400.00} dollars. I called XXXX XXXX and XXXX again requested that this fraud debt be removed from collections and removed from my credit. They rejected my request, even after providing them a copy of the letter and XXXX XXXX from XX/XX/XXXX that I asked for an investigation on the matter. This matter has hounded me for years, which has hurt my credit and financials for a long period of time.

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 2026-03-31 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TOWNE MORTGAGE COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> i asked for an update on my account from my lender towne mortgae i have been waiting since XXXX for a response and the loss mitigation process started before that because of a tax lien maybe XXXX month before XXXX is when the initial start of the process started. Me and the lender was pretty much in good communication throughout the process XXXX everything they needed was done communication pretty much stopped. I kept calling in and checking in until they told me there was nothing more for me to do except wait for the letter in the mail. They told me i did not need to contact them. Fastforward to XX/XX/year> they send me a encrypted message not detailing what its is just very simple no notice on whats the message entails. I open it i have to log in i do so. The text is zeros and ones the only thing I could read is show attachments or images so i click on it and its just broken image icon the XXXX square and gray broken image icon nothing there said download. I send a message to town mortgage saying did not receive confirmation email i have not gotten a response until I got the failed trial period notice. They normally send mail and certified mail i never got the loan modification letter. I received my mortgage statement on the regular again it was the XXXX time they contacted me thru the portal. Before then i never used it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: IL

Complaint narrative:
On XX/XX/year> I received these email XXXX XXXX XXXX, XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX, XXXX .. We will use any information you give us to help collect the debt. Please take a moment to review the balance and make sure our information is accurate. Our information shows : You had an XXXX purchase balance from XXXX, XXXX with an account number ending in XXXX. As of XX/XX/year>, you owed : {$990.00} Between XX/XX/year> and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total balance due : {$990.00} Notice : See the bottom of this email for important information. At your convenience, you can contact us about your balance by phone, mail, or email. You can also use our website XXXX to pay the debt, set up a payment plan, file a dispute, request debt validation, or learn more information about the debt. I never have anything from that company 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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debit card compromise issues .I request please open a dispute.im now outside of united state.I have filed my written complaint below. I think that's the reason.for debit card compromise I meet someone on a dating website, XXXX, and then we would talk regularly on a XXXX account. He sold dating-related services and products, and when I wanted to buy a product from him, she sent me a payment link.When I tried to complete the payment with my Venmo debit card number and billing address, the payment failed. I think she saved my card information Then the person asked me if maybe there was no balance in my account so the payment failed.Since I talk to him every day, I tell him how many dollars I have, I didn't suspect him at the time.Later he deleted our conversation and probably blocked me. I couldn't find him anymore.I believe that person sold my card information to she misused it. She is a scammer. I request CFPB help me a open a dispute Venmo account. {$100.00} Transaction XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Lost amount XXXX XXXX XXXXXXXX She use my card on XXXX XXXX I don't have any XXXX XXXX Account that's true. I have request to open a dispute on my banking internal system. I want a solution with United States Law, Under Regulation E ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX XXXX. Venmo provide a thorough investigation or fulfill their consumer protection obligations. Venmo information Username XXXX XXXXXXXX XXXX XXXX XXXX Note again : I don't have XXXX XXXX account. Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Nature of Complaint : Failure to properly investigate and resolve an unauthorized credit card cash advance ; inadequate investigation in violation of TILA/RegulationZ Summary of Facts : On XX/XX/XXXX, an unauthorized {$3000.00} cash advance was taken in-person at Wells Fargo branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX My father ( primary cardholder, elderly ) had possession of the card at all times, did not authorize or conduct the transaction, and received no benefit. I timely reported the fraud and submitted a signed XXXX of XXXX and XXXX. Wells Fargo denied the claim on XX/XX/XXXX, claiming authorization without providing evidence. On XX/XX/XXXX, following customer service instructions, we visited the branch. XXXX contacted fraud but refused to compare my fathers DL photo to any camera images and provided no documentation. The branch XXXX admitted errors in safe deposit box access logs ( incorrect name XXXX XXXX XXXX for an entry in XXXX, despite no such employee existing for XXXX years ), highlighting unreliable identity verification at this location. Wells Fargo has failed to produce any proof ( camera footage, signatures, etc. ) that the transaction was authorized.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation
State: GA

Complaint narrative:
After excessively and repeatedly hassling with this company about closing several fraudulent accounts that were opened in my name, the company refuses to protect my rights as a financial consumer. I would like for this issue to be resolved immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding XXXX XXXX XXXXXXXX and their failure to properly investigate fraudulent activity on my account. I reported unauthorized transactions and provided supporting evidence, including a police report. However, the company denied my claim without providing any valid proof or documentation supporting their decision. They have failed to conduct a reasonable investigation and continue to hold me responsible for fraudulent charges, negatively impacting my financial situation and credit. I am requesting : - A full investigation into the companys handling of my fraud claim - Removal of all fraudulent charges and associated fees - Correction of any negative credit reporting - Accountability for failure to comply with federal consumer protection laws I am seeking immediate resolution and regulatory intervention. Sincerely, 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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: CA

Complaint narrative:
I am a victim of identity theft. XXXX fraudulent accounts were opened at XXXX XXXX Koalafi ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) in my name on XX/XX/XXXX and XXXX, XXXX, without my knowledge or authorization. Balances : {$10000.00} and {$770.00}. I submitted a formal dispute to Koalafi on XX/XX/XXXX, with police reports ( XXXX XXXX, XX/XX/XXXX ) and an FTC Identity Theft Report ( XX/XX/XXXX ). I also filed a formal dispute with XXXX on XX/XX/XXXX. On XX/XX/XXXX, I spoke with supervisor XXXX ( XXXX. XXXX ), who informed me Koalafi determined the accounts are not fraudulent based on payment history. However, the payment accounts disclosed debit card ending XXXX and checking account ending XXXX are not mine, and I do not recognize them. This is direct evidence of fraud. Koalafi refused to provide written investigation findings, stating they are for internal use only, and confirmed there is no appeals process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I was recently locked up. I did not get out of jail till XX/XX/year>, and a dispute was made without my knowledge. I wasnt aware of this till XXXX XXXX. I had no phone no ID no nothing I had to get all of this back later and when i tried to make a complaint about it they said it was nothing they can do.

Company response to consumer: Closed with explanation