vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: OR

Complaint narrative:
I obtained a solar loan from GoodLeap in connection with a system installed by XXXX XXXX. The loan was induced by material representations that the solar system would eliminate or substantially offset my electric bill. On XX/XX/XXXX, XXXX XXXX filed XXXX XXXX bankruptcy and entered liquidation. The company has confirmed it is no longer operating and that a trustee has been appointed. As a result, the XXXX can not service, repair, correct, resize, or stand behind the system or the representations made at the time of sale. Despite the representations made at origination, I continue to receive monthly electric utility bills, including during high-production summer months. The system has not performed as represented. I notified GoodLeap in writing beginning XX/XX/XXXX, and provided documentation of the contractors XXXX XXXX liquidation. I formally requested loan cancellation based on XXXX default, misrepresentation that induced the financing, and failure of consideration. I also requested written confirmation that payments, collections, and credit reporting would be suspended while the matter is reviewed. GoodLeap has not provided a written determination addressing enforceability of the loan following the contractors liquidation. Instead, I was asked to obtain production reports, which does not address the core issue that the XXXX is permanently insolvent and unable to cure the transaction. Because the installer is in XXXX XXXX liquidation, there is no path to correct system sizing, performance representations, or installation deficiencies. Continued enforcement of this loan under these circumstances causes ongoing financial harm. I am requesting that GoodLeap : Conduct a formal review of enforceability in light of XXXX XXXX XXXX liquidation. Suspend payments, collections activity, and credit reporting during review. Provide written confirmation of its legal basis for continued enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I applied for mortgage assistance on XX/XX/XXXX. I have uploaded documents and feel that I am being ran into a circle of giving them documents after documents with no real resolution. from XX/XX/XXXX bank statements. XX/XX/XXXX Tax documents and more bank statements. XX/XX/XXXX a non obligator form XX/XX/XXXX more bank statements XX/XX/XXXX XXXX bank statements XX/XX/XXXX pay stubs XX/XX/XXXX ownership documents XXXX XXXX XXXX ownership documents XX/XX/XXXX profit and loss for XXXX month XX/XX/XXXX profit and loss for XXXX month XX/XX/XXXX XXXX months profit and loss with expense break down

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding Carvanas handling of a vehicle trade-in and return under their advertised XXXX return policy. On XX/XX/XXXX, I traded in my XXXX XXXX XXXX and entered into a purchase agreement for a XXXX XXXX XXXX XXXX. I was denied the opportunity to XXXX XXXX or physically inspect the vehicle before being required to re-sign documents during delivery. Immediately upon seeing the vehicle, I expressed dissatisfaction. Within approximately XXXX minutes of the driver leaving, I contacted Carvana and requested to undo the transaction. I was informed by multiple representatives that returning the vehicle under the XXXX policy would result in my down payment of {$5200.00} being refunded. I called again the following morning before returning the vehicle to confirm there would be no further financial consequences. I was again assured the down payment would be refunded. Relying on these representations, I returned the vehicle to Carvanas XXXX, Texas location on XX/XX/XXXX. I was not provided written documentation at the time of return. Bank records confirm the {$5200.00} down payment cleared on XX/XX/XXXX, prior to my returning the vehicle. No refund was initiated following return despite repeated assurances. Subsequently, I was informed that not only would I not receive a refund, but I owe {$2400.00} in additional negative equity. I have not signed any installment agreement, nor have I been provided a written payoff statement detailing how the remaining balance was calculated beyond a brief email from XXXX XXXX. I believe I was materially misled regarding the financial consequences of exercising the return policy. I am requesting regulatory review of Carvanas refund representations and consumer disclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: GA

Complaint narrative:
I previously disputed this fraudulent account and provided documentation supporting my identity theft claim. I have not received a proper response, and the account remains on my credit file. Your failure to remove or block this account constitutes noncompliance with FCRA 605B. I am demanding immediate removal and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Debt collector put a hold on my sons college checking acct, and the debt is mine not his

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CT

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I made several principal and interest payments to catch up on my payments. I clearly stated several times that my payments were principal and interest only and they applied it how they wanted to. This has happened several times and I am tired of it! Please help hold them accountable. They cause people to loose their homes due to their negligence. Please help me. I have been sick and struggling with trying to do the right thing and their customer service most times are untrained rude people. Please help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/year>, the mortgage loan serviced by NewRez LLC XXXX Shellpoint Mortgage Servicing ( Loan No. XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX was paid in full. Shellpoints payoff letter dated XX/XX/year> states that if a refund is due, it will be issued XXXX days after the loan is paid in full. The payoff amount included escrow funds that had been used to pay approximately {$10000.00} for a homeowners insurance ( XXXX ) policy ( XXXX XXXX. XXXX ) issued by XXXX XXXX XXXX. The insurance policy should have been canceled effective XX/XX/year>. As a result, a substantial unearned premium should have been refunded to the borrowers escrow account. More than XXXX days have passed since the loan was paid in full. Shellpoint has : Failed to issue any escrow surplus refund Failed to provide a full escrow accounting Failed to confirm receipt of the unearned premium refund Failed to explain where the escrow funds are being held Multiple written requests have been made to Shellpoint and its foreclosure counsel. No accounting has been provided. The mortgage has been satisfied and Shellpoint no longer has an insurable interest in the property. There is no lawful basis for retaining unearned premium or escrow surplus funds after payoff. Shellpoint is insisting that they have no way to contact the insurer and the insurer, XXXX XXXX is insisting that we contact the mortgage servicer. This appears to be a failure to comply with escrow refund requirements under RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
CFPB Complaint Draft Company : Synchrony Bank ( PayPal Credit ) Account Ending : XXXX Disputed Amount : {$1600.00} Original Reference # : XXXX Updated Reference # : XXXX ________________________________________ I am filing this complaint regarding Synchrony Banks handling of my PayPal Credit billing dispute under the Fair Credit Billing Act ( FCBA ). This dispute concerns a {$1600.00} charge for merchandise purchased through XXXX that was delivered severely damaged, defective, and unusable. I promptly notified the merchant and provided extensive photographic and video evidence. The merchant acknowledged in writing that they would either ( 1 ) ship a complete replacement unit or ( 2 ) issue a full refund. However, after I elected the full refund option, the merchant reversed its position and attempted to condition any refund on my withdrawal of the chargeback. The merchant also falsely represented that they contacted Synchrony Bank to have the dispute removed, which is inaccurate and concerning. I submitted formal written billing disputes to Synchrony Bank on XX/XX/2026 and XX/XX/2026 ( Reference # XXXX ). On XX/XX/2026, I spoke with a Synchrony representative named XXXX to request reopening of the case. I subsequently received correspondence indicating the bank needed additional information to begin review, despite my prior submissions. I have now been assigned updated Reference # XXXX. My concerns are as follows : 1. Synchrony has not clearly confirmed whether my dispute has been properly opened and investigated under FCBA requirements. 2. I have already submitted supporting documentation multiple times. 3. The merchant has failed to provide a consistent or unconditional remedy. 4. The goods delivered were non-conforming and unusable. I am requesting that Synchrony Bank : Confirm that my billing dispute is formally opened under the Fair Credit Billing Act ; Conduct a full investigation of the non-conforming goods claim ; Reverse the disputed amount of {$1600.00} pending investigation ; and Provide written confirmation of the dispute status. I have acted in good faith and provided extensive documentation. I am seeking enforcement of my consumer protection rights under applicable federal 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 monetary relief
Consumer complaint received 2026-02-26 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: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
A loss mitigation package was submitted and is currently being reviewed by Sunwest Mortgage Company XXXX on my XXXX XXXX XXXX loan and XXXX is still sending people out to the location to put yellow notice on door ( today XX/XX/year> @ XXXX PST ), this is dual tracking, as well as causing embarrassment and anxiety is taking place making my wife and I further question the business practices of Sunwest Mortgage Company XXXX XXXX ( This is my SECOND online complaint. )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I placed an order with XXXX XXXX in XXXX XXXX for 2 items on sale plus a promotional {$20.00} reward deal. XXXX XXXX placed these items on backorder & said they would be ship in XXXX. I did receive the items but when I received my XXXX XXXX credit card ( Comenity ) bill they did not honor their {$20.00} promo reward deal. I tried calling them several different times spending hours on the phone only to be toss around or disconnected with nothing ever getting solved. I message them on their website and they said for me to give them 90 days. Then they came back after all this time saying gave this promo reward credit in XX/XX/year>. I did not place the order until XXXX. So I filed a complaint with the Ohio XXXX ( Comenity XXXX location ). They still wont solved the issue so the XXXX gave me your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: CO

Complaint narrative:
Associated Bank XXXX locked my online access, I called the bank like it said it the app, the person I talked to at the bank said my account was under review and locked do to that, but that is all they could tell me they could tell me anything else 's. The next day even though my account was locked my uncle was able to go to XXXX of the associated bank branches in XXXX Wisconsin and put XXXX in my account this was over XXXX weeks ago, my account is still locked and I have XXXX that I need in that bank account that I can't access, since I wasn't getting any answers in the phone I used the email of the bank to message them, I got a message back today from they, sent to my correct email that is connected to my bank account but they called me the wrong name and used the wrong account number and then told me that I closed my account on XX/XX/XXXX in person which I didn't at a branch I have never been to, they told me that my account is closed and that my money is frozen and I won't be getting it. I am sending XXXX documents XXXX they sent me with my correct name and information and to with the wrong name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Supplemental Documentation Appearance Protection Dispute To Whom It May Concern, Please find enclosed documentation supporting my dispute regarding the Appearance Protection product included in my Retail Installment Sales Contract. This packet includes : The Retail Installment Contract listing the Appearance Protection charge. The cancellation form executed the morning after purchase. The internal dealership worksheet reflecting a recalculated monthly payment of {$570.00} without warranties. Documentation of the three refunded products. Email communication reflecting first notice that Appearance Protection was non-cancellable. ( XX/XX/year> -- see -Exhibit # 5 ) Documentation showing transmission of another customers signed contract. Summary of communication with Assurant Vehicle Care confirming no signed Appearance Protection agreement is on file in my name. My position remains that : I attempted cancellation immediately. The Appearance Protection product was omitted from the cancellation form. I was provided documentation reflecting removal of warranties. I was not informed the product was non-cancellable until weeks later. No signed product agreement has been produced bearing my signature I respectfully request either production of a signed authorization or full refund of the Appearance Protection charge. Sincerely, XXXX XXXX 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 2026-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
{$2600.00} amount creditor reported to credit bureau. {$1300.00} is the amount on the actual bill please remove from credit report this is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: CO

Complaint narrative:
I have paid XXXX dollars since XXXX and they are stating that they have not received payments! I have bank notes that say otherwise. I also have a problem where they said my last payment was on XX/XX/year>! I have called the bank and they have confirmed that the check for XX/XX/XXXX was cashed but XXXX not reflect anywhere. I have since been told over the phone with a very nasty person that I was in foreclosure so I can no longer 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 2026-02-26 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: SLM CORPORATION
State: MN

Complaint narrative:
Agreed-Upon Terms : At the time of origination, the terms for these XXXX loans included a 6 % finance charge and a six-month grace period following my graduation date of XX/XX/XXXX, XXXX in Billing : Sallie Mae is demanding repayment beginning XX/XX/year>, which incorrectly ignores the promised grace period that should extend through XX/XX/year>. Enrollment History : While XXXX months of payments were made during the transition between my XXXX and graduate programs, my graduation from the XXXX XXXX XXXX in XXXX program entitles me to the full post-graduation grace period as initially conveyed. Currently, XXXX has doubled my loan amount. Once of the loans original balance was XXXX and is currently XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT

Complaint narrative:
I am part of the XXXX program with XXXX for the XXXX which is financed through a relationship XXXX has with Citizens Bank N.A. I paid off the previous XXXX loan when I got my new phone ( the XXXX ) in XX/XX/year> and my previous loan account had a balance of approximately - {$70.00} because I had overpaid on the loan and was owed a refund. I have made numerous requests since XX/XX/year> that Citizens close the account and issue a check to me for the amount in the account. I have never received a check. I called again today when I received an email notification that my account had been closed and they alleged that I would receive a check in XXXX weeks. They have told me that every time I have called since XX/XX/year>. This is related to my account ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX. We were victims of identity theft on XX/XX/year>2026. XXXX. We did not authorize the use of our name or personal information for the debt on our account ( ending in XXXX ). XXXX. We did not incur this debt. XXXX. At about XXXX XXXX PDT, we were contacted by an unknown source claiming that he was a Bank of America employee with the fraud investigation department. He stated that there was a credit card transaction occurring from a Florida location, for approximately {$3000.00} for airline tickets. We were asked if that was our transaction. We stated that it was not our transaction. He continued by detailing all recent transactions on this credit card by asking if these were authorized, we validated this information by reviewing this account on-line and found that they were accurate. He stated that they needed to perform a test transaction to be performed so that the {$3000.00} transaction would not be allowed. We continued to monitor the transactions on-line and noticed a new transaction from an unknown individual for {$20000.00}. At this point our suspicion of fraud was raised and we then called Bank of America. XXXX. This is possibly the contact phone number. XXXX XXXX Florida

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: FL

Complaint narrative:
Enable Loans which I had a balance of {$430.00} without a court order for garnishment of wages, contacted my employer and requested wages to be garnished. For the amount of {$630.00}. My employer began garnishing my wages in the amount of {$260.00} I have tried calling them and no answer, they make you wait. All of this was done without previous warning or court information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I checked my credit report and the account included a contact phone number... I called the phone number and they were very suspicious and had no real information about myself or a debt they claimed I owed them... They were on my credit report along with a fake address I never lived at... The collection company : I.C. Systems Inc. was supposedly collecting a debt for a XXXX XXXX ... All fraudulent information on my credit report now...

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