vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 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: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My mortgage servicer, Lakeview Loan Servicing, has been holding our insurance proceeds for home repairs since before XX/XX/year>, when an initial exception request was submitted. I have provided all requested documentation, including a contractor agreement stating that the homeowner supplies materials, itemized invoices, receipts, and additional supporting documents. 

A lender-ordered inspection completed last week confirmed approximately 60 % completion of repairs. Despite this, the servicer has not released funds needed to purchase required materials and complete the work. 

I have been informed that the file is under corporate review, but I have not been given any timeline or point of contact. We are currently displaced and staying in a hotel, and construction is scheduled to begin, but we can not proceed without these funds. 

Continued withholding of insurance proceeds is preventing completion of repairs and prolonging displacement. I am requesting assistance in obtaining a clear timeline and prompt release of funds.

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 2026-01-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My online XXXX account was hacked on XX/XX/year>. The hacker used my account to make purchases with my credit card on file ( Barclays JetBlue ) and picked up the item in person and XXXX dispensed the item because they dont check ID for online pick up orders. I immediately received notification from my card about suspicious activity and the hacker was prevented from making an additional purchase. One of the purchases was deemed fraudulent by Barclays but the other was not despite the fact that these purchases were made within an hour of each other and were the exact same item ( airpods ) but just picked up at different store locations. This makes absolutely no sense whatsoever and yet Barclay refuses to erase the second charge that this hacker made. 
I've provided information about what happened multiple times to the company, filed a police report and received terrible service, bad agents on the phone and conflicting information every time I talk to someone. The office of the president responded to my previous post here but they never respond to emails and the phone number provided never works ( it's essentially a fake number that never puts you through, doesn't give you any options and is likely just a way to frustrate you enough to get you to go away ). 

Essentially they just try to freeze you out of trying to ever get ahold of anyone, then they make a decision against you and hope you'll just give up. Sorry but this frankly criminal enterpise needs to be held to account. I've closed all my accounts with this horrible company but ultimately I still want my {$160.00} back. Like genuinely never encountered a company that was SO greedy they would rather lose a customer with 10s of thousands of dollars in various accounts with your bank than just give back {$160.00} of fraudulent charges.

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 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: NV

Complaint narrative:
On the previous complaint they said We request that he return the remaining of the principal borrowed {$400.00}. We ask that XXXX XXXX call our toll-free number at XXXX to confirm this arrangement and to close the account. We hope this satisfies XXXX XXXX concerns. Sincerely, XXXX Department. 

And now there saying it's {$730.00} something. On the date of XXXX, XXXX, 2026 and this is really ridiculous. And it's very frustrating. 
And it's suppose to be done and over with. After the {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
On XX/XX/2026, a collection account from Central Portfolio Control was reported to XXXX  for an alleged balance of {$11000.00}. On XX/XX/2026, this reporting caused an XXXX drop in my credit score. 

Before this reporting, neither I nor my attorney ever received a validation notice, itemized breakdown, receipts, or any documentation from Central Portfolio Control. No information was provided to explain or support the amount. 

The alleged balance originated from a property management company. All communication regarding this matter was handled through my attorney, who requested documentation and an itemized list of charges. The property management company did not provide any itemization or proof of the debt in response to those requests. 

Despite the lack of validation from either the original creditor or the debt collector, the account was still reported to XXXX and continues to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXX I attempted to purchase a vehicle from XXXX of XXXX XXXX, and XXXX, XXXX dealership . I remained at the dealership for approximately eight ( 8 ) hours, completed negotiations, and signe3d purchase and finance documents for a XXXX XXXXXXXX XXXX. I was expressly told that Westlake Financial was the lender associated with my transaction. XXXX provided written financing worksheets quoting specific APR 's and payment amounts. XXXX also provided a document titled " Credit Score and the Price You Pay for Credit, '' stating that my XXXX credit score was " not available. '' Despite this, XXXX requested and transmitted my Social Security number, submitted my application to lenders, and represented that financing was proceeding. I was never issued a denial, conditional denial, or adverse action notice. After I had signed documents and waited several hours, XXXX abruptly required me to leave, claiming that the vehicle had been sold to another buyer paying cash. This explanation occurred after lender involvement and document execution. Following this, XXXX refused to provide copies of documents I signed and refused to disclose how my personal and financial information was used or transmitted. This conduct violates federal consumer-credit laws : 1. Failure to provide an adverse action notice - after terminating or refusing to consummate a credit transaction ( ECOA, 15 U.S.C. 1691 ( d ) ). 2. Use of consumer credit information without transparent disclosure and failure to provide post-use disclosure3s ( FCRA, 15 U.S.C. 1681 B, 1681M ) 3. Deceptive and abusive practices, including pretextual explanations to avoid required notices and withholding consumer records ( CFPA, 12 U.S.C. 5531, 5536 ). XXXX and its partners used my credit information, identified a lender, quoted loan terms, and then concealed the credit outcome while retaining my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: LA

Complaint narrative:
b'I looked up "best mortgage for mobile homes" for financing a doublewide trailer on a rental lot. CrossCountry Mortgage was highly recommended. I went to their site, submitted the screener data, including my social security number, and then waited. After a few hours I called to inquire about the status of my existing mortgage application. The first person I spoke to yawned as he picked up the phone. He tried to connect me to a loan agent, but I was on hold for almost ten minutes then I was disconnected. I called back after XXXX  minutes. I explained my situation to the next person who answered, and she tried to tell me that CrossCountry does not finance trailers on rental lots. I explained that the purpose of my call was to check on the status of my existing application. She said she did not have that information, and I reaffirmed that that was the purpose of my call. She accused me of interrupting her and grudgingly put me on hold. The next person picked the phone up laughing. He asked for all my information again. I stopped him at phone number and re-stated that I wanted someone to look at the data I had already submitted online early today. Grudgingly he read back my email to me. It does not seem like an actual mortgage application was happening. I think they are harvesting data. They sound like bungling kids goofing off in their parents\' basement. \n\n\nsite XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
1. Bilt is Liable Under the FTC Safeguards Rule. Bilts attempt to deflect liability to XXXX XXXX  XXXX XXXX ( " Evolve '' ) fails under the " Vendor Oversight '' requirements of the Gramm-Leach-Bliley Act ( GLBA ). As a non-bank financial institution/fintech, Bilt is subject to the FTC Safeguards Rule ( 16 CFR Part 314 ), which mandates that covered entities " oversee service providers '' and ensure they maintain appropriate safeguards. Bilt can not avoid its duty to protect customer data by simply transferring it to a vendor. Bilt collected my data ; Bilt is the " owner/licensor '' of that data ; therefore, Bilt retains the ultimate responsibility for its security and proper notification. 

2. Bilts Notification Was " Deceptive '' ( UDAAP Violation ) Bilt claims its XX/XX/XXXX, notice was sufficient. I contest this. Bilts notice stated there was " no definitive proof '' that my data was involved. This statement was materially misleading and contradicted by Evolves subsequent admission that I was, in fact, a confirmed victim. Under Section 5 of the FTC AcXXXX, a breach notification is deceptive if it is " inaccurate '' or " incomplete '' in a way that " hinders the mitigation efforts '' of consumers. Bilts misleading email induced me to forego the " substitute notice '' monitoring that would have alerted me to the remediation enrollment deadline. This " lulling '' communication constitutes a Deceptive Act or Practice. 

XXXX. Damages Are Concrete, Not Speculative. Bilt argues my damages are speculative. They are not. 

Mitigation Costs : Because Bilts misleading notice caused me to miss the enrollment window for Evolves free XXXX credit monitoring, I was forced to purchase comparable services out of pocket ( {$350.00} ). Courts recognize reasonable mitigation costs as actual damages when a breach is confirmed. 

Lost Settlement Opportunity : The deadline to file a claim in the XXXX XXXX XXXX XXXX XXXX XXXX settlement passed on XX/XX/XXXX. Because I was not adequately notified, I was foreclosed entirely from participating in this relief, which offered up to {$3000.00} in reimbursement. This is a realized, historical financial loss, not a speculative future one. 

Conclusion : Bilt can not claim " good faith '' while its partner bank admits to a breach, and Bilt itself sends emails minimizing the risk. I want to reiterate my demand for {$3300.00} to restore me to the position I would have been in had Bilt provided accurate, timely notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I used my card at XXXX stores ( XXXX and XXXX & XXXX ). I tried to use my PayPal XXXX about a week or so later. I called Customer Service and they said they called, emailed and sent mail correspondence on XX/XX/XXXX that they were closing my account. When asked why my account was closed the representative stated there was a missed payment. I checked my bank account from XX/XX/XXXX when the account was opened, and I never missed a payment, some months I made more than one payment. I asked where was the correspondence sent? Again they said they sent a letter in the mail ( which I never received ), an email ( which I never received ) and a voicemail ( that I never received, I can go back to 2022 and listen to voicemails ). I asked where was the letter. 

Around XXXX XXXX, I called again to ask what was the status of the account being closed by someone who paid every month. XXXX was the rep I spoke with that day, she said you can open an account but this one is closed. I asked why was it closed when I made payments every month. She said yes, I see you made payments every month but we can not open it. She again went back to the correspondence that I never received. I asked to get it sent but it does not change the fact that the account is closed. Again, documentation was never sent. 

On XX/XX/XXXX, I called again to ask if my account could be opened again as they have seen that I made payments monthly. I asked numerous of times via phone for my account to be reinstated, again it was because the merchant closed the account. So the merchant can close the account without notice? The rep stated it was closed because of one or two missed payments. How can autopay payments be missed? 

I am so over PayPal XXXX, they literally have on my credit report that I did not pay and the account was closed by creditor.

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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a security deposit return from my landlord on XX/XX/year>. On XX/XX/year> the landlord placed a stop payment on my cashed and cleared check. I spoke with my landlord and got the situation cleared up. The money was sent back to me via XXXX for the full amount. On XXXX XXXX I had a problem logging in to my account and the put a fraud alert stating the would call me in XXXX hours, but said the card was still working I just could not access online banking until someone reached out to me from the fraud department. On XX/XX/year> I went to make a purchase and my debit card was declined with about {$3000.00} in the account. I tried to log in to my online banking and was not able to access my account. I then called the number on the back of my card and was informed that Bank of America has shut down my bank account. I immediately went to the local branch and they stated that they could not tell me why, and I could not have my money returned to me until the account had been fully closed. The branch XXXX called to BofA 's risk management and they advised that I call the next day to see when my funds would be available. I called risk management again on XXXX XXXX, was then told that I could not stop the account from being closed and they would be mailing funds sometime in mid 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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint because American Express has refused to honor a targeted promotional offer for a {$400.00} High Yield Savings Account bonus, despite my full compliance with the terms. 

1. The Offer : I received a targeted email directly from American Express offering a {$400.00} bonus for opening a new High Yield Savings Account, depositing {$25000.00}, and maintaining that balance. 

2. My Compliance : I opened the account via the link in the email on XX/XX/XXXX. 

I hit my deposit of {$25000.00} on XX/XX/XXXX ( within the required 30-day window ). 

I maintained this balance for over 90 days, exceeding the 60-day requirement stated in the terms. 

3. The Dispute : When I contacted American Express support on XX/XX/XXXX to inquire about the posting of the bonus, the agent informed me that the offer was invalid because the link I used " must have been forwarded from someone else. '' 4. The Evidence : This justification is demonstrably false. As shown in the attached screenshot of the offer email, the solicitation was generated specifically for my user profile. The email header explicitly addresses me by name ( " XXXX XXXX '' ) and cites my existing American Express account metadata, including my " Member Since '' date ( XXXX ) and the last 5 digits of my card account ( XXXX ). A forwarded link would not contain my personal account details hard-coded into the email. I used the link in the email to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
On XXXX, I authorized a payment to be drawn from my account for the amount of {$120.00} This payment was declined due to insufficient funds. I did not authorize any subsequent attempts to charge my account. However, on XXXX I noticed that my account was charged without my consent. 


Credit card company response : Dear XXXX XXXX, Thank you for contacting Avant regarding a payment on your Avant Credit Card account. Our records indicate that you authorized a payment in the amount of {$120.00} to be debited on XX/XX/year> via your mobile app on XX/XX/year>. We apologize for any inconvenience however, as this payment was debited as agreed, we will be unable to honor your request for a refund. 

If you have any other questions or concerns, please dont hesitate to contact us at XXXX. 

Regards, Avant Credit Card Support Avant , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/year> I called synchrony bank for my discount tires credit card. On this date is when I noticed on my statement that I was charged a large amount of interest, {$260.00}, and then {$31.00} for the month of XXXX. When I made a purchase on XX/XX/year> for {$1600.00}, I thought charges over 1500 $ were a 12 month finance. When I got my XXXX statement I saw my deferred interest ended and I called. During this call I was told that if I made the remaining principal balance payment that this representative would waive the interest fees. I made the payment of {$1000.00} as the representative told me this was the balance. I have now spoken with 10+ people because these fees were not waived. They told me that rep was in the wrong for saying they would be waived. I as the consumer would have never made that large payment right at the holidays had it not meant the interest wasnt going to be waived. They have called me of money an now continue to tell me this can not be fixed. I have been falsely misled

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 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
There is an account on my credit report that I did not open and do not know who did from HARRIS & HARRIS LTD ( Original Creditor : XXXX ) account # XXXXXXXX XXXX XXXX XXXX XXXX balance of {$1000.00} open XX/XX/year>.

Company response to consumer: Closed with explanation