vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
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: NETWORK FUNDING, L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, I emailed the loan officer, XXXX XXXX, requesting a complete copy of my loan file, including all documents, disclosures, application materials, and any underwriting or compliance determinations related to my mortgage application. 

On XX/XX/XXXX, XXXX XXXX replied in writing stating that my request had been forwarded to the compliance team and that they would communicate with me directly going forward. 

As of XX/XX/XXXX, I have received no communication from compliance and no loan records, despite the lender acknowledging my request in writing. 

This request followed a written loan denial issued on XX/XX/XXXX, which stated that the subject XXXX XXXX XXXX  XXXX XXXX # XXXXwas classified as an unwarrantable condominium under XXXX XXXX and XXXX XXXX guidelines. The loan denial occurred shortly before a scheduled closing date of XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: MA

Complaint narrative:
I entered a debt settlement through a debt consolidation company ( XXXX XXXX XXXX ) with Discover and paid them monthly. 

Im in the process of refinancing and Discover was included in the refinance for payoff. The bank requested a settlement letter from Discover. I requested the document from XXXX XXXX XXXX and Discover but neither organization has assisted with my request but continue to report negatively on my credit report. 

Ive called Discover on multiple occasions and was told theyre unable to provide a settlement letter because of my affiliation with XXXX XXXX XXXX. XXXX XXXX XXXX sent automatic notice to Discover regarding them no longer being my POA. Discover still refused to provide the requested documentation. Ive made numerous calls and request to resolve. I requested to speak with a supervisor but was told supervisors do not take calls and I would receive a return call in XXXX to XXXX business days. No calls have been returned and I still have not received the settlement letter so this account can be paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Diversified Adjustment Service, Inc.
State: IA

Complaint narrative:
I had an account with XXXX XXXX for less than 15 days and cancelled the service cause of bad reception .. while on the phone multiple times XXXX had tried to charge me {$270.00} for those XXXX XXXX days.. I had them on the phone explaining I had paid taxes on an ipad as well as a phone of $ XXXX, I returned both the phone and ipad and they told me while on the phone I owed nothing.. I recieved a bill later again from XXXX for the {$270.00} or so and then turned over to collection agency .. today this collection agengy tried to call I was not near my phone minutes later they sent a text message to My dads wife .. with all my information. She was not connected to my plan at all and I have no idea how they got her # .. per the FDCPA this is highly illegal. The company that made the text was XXXX XXXX services phone # XXXX says reference account 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 2026-01-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: ME

Complaint narrative:
In XXXX of XXXX  I canceled my XXXX XXXX subscription as I had signed up for XXXX. At first XXXX refused to let me cancel, then they tried to charge me for the entire month. Under Maine law, they had to credit me for the XXXX weeks that I did not have service. XXXX credited my account. In XXXX of XXXX, XXXX charged my credit card for another month of service. I contacted XXXX and they apologized and credited my account and said that I was paid in full and would not receive any further bills. 
Last week I received an email from a XXXX XXXX  for {$210.00} for XXXX, in my XXXX folder. I deleted it as I knew that I no longer had XXXX bills and I thought that it was a fraudulent email. 
Today, XXXX XXXX showed a XXXX Negative Impact on my credit report. I reached out to XXXX and they denied sending a bill to a XXXX XXXX as they had been paid in full. XXXX is asking the XXXX Co " True Accord XXXX '' to escalate directly to XXXX. The Account number is 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 2026-01-16 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: FL

Complaint narrative:
At the time of purchase, the GPS service ( XXXX XXXX / XXXX ) was presented to me as mandatory. I was told my vehicle had to have it in order to complete the transaction. I was not informed that this product was optional, that it was not a condition of credit, or that I had the right to decline it. 

I was also never informed that the service was non-refundable, non-cancelable, or that charges would continue even if I stopped using the device. No clear explanation was provided regarding long-term financial obligation, cancellation limitations, or that the full cost would remain due regardless of use. 

Only after independently researching the product did I learn the true terms. When I contacted the company to cancel, I was told cancellation was not possible and that I would continue to be charged even if the device was unused. I was even told I could give the device to a friend or family member while still being responsible for the charges, which confirms these terms were not properly disclosed at the point of sale.

Although the written agreement states that the GPS product is not required for the extension of credit, the way it was sold to me directly contradicts that statement. I was not given a meaningful choice, nor was there informed consent. 

Had these material terms been clearly and honestly disclosed, I would not have agreed to purchase this product. I believe this constitutes misrepresentation and deceptive sales practices, and I respectfully request a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I used to have a savings account in paypal, they used to give good interest, and I made it there. That account had XXXX goals : " My XXXX year '' and " My daughter is in college ''. I never used it in my entire life to pay anyone. 
On the other side, I have a person I send money every month to XXXX, so I had to open a XXXX account. I never had any problem, but for my bad luck, PayPal bought XXXX, and they are too. Though XXXX people started sending money, a lot of names I have no idea who they are. I usually do a monthly transaction and only to that person. In two days like 10 transactions to diferent peope, they say i authoriszed it when is to the eyes known a weird activity. From XXXX, I have no idea how they changed my paypal password, and from the goals I have, they started transferring to paypal balance to get paid through XXXX. I entered in PayPal, made the report and changed everything, deleted all the supposed contacts and PayPal XXXX more let them get more money. When i do the steps PayPal suggested and XXXX, they both are the first scam ; they automatically, without checking, tell me it was closed and resolved to the seller, in the instructions i have to appeal, first there is no place to do it, and second, how i appeal the scam person? No phone, if they get to answer, they talk as if they don't care, once they hang me the phone, and XXXX got me restricted, me the owner lol. the must frustrating site I have ever seen. They sell as if theycare and they don't. That was the money of my kids I had there, the bank only gives XXXX %, and they 4.5 %, that is why i choose them. I total I loose like XXXX and no one cares. There are a lot of bad reviews I never get to see, but someone has to stop this. At least they should have customer service. The chat is imposible you never get to chat with a real person. Maybe I was the XXXX one here but I think that those pages, when reported, need to be investigated or something ; they are playing with the clients. Who does not have payapl? I have proof of of all the transactions they only returned two and there where more than XXXX in XXXX, and in paypal I only deposit weekly there, I never move money from XXXX acct,. to other and less spend it in XXXX. they say that I authorized those., I only authorized the last one when i moved all my money to paypal balance but to transfer it to my bank because they after reporting the transactions let the scammer steel

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I closed my credit card which is Master card with Golden Sachs. I paid all the balance and it was closed. However i has something return and it would refund the charge to my closed credit card on XX/XX/2026 i did not receive any notice about that. I checked with XXXX customer service, they replied that is refund which just debit to the account balance, I remembered that the card was closed and i paid it in all. Well, they said that is because a dispute revoked so the {$50.00} charge back and post to account which i need to pay, no phone call, no text msg, no email or even letter inform me about the dispute, or about the balance i still owe them. That is not make sense if i close the card then the dispute close right the way and did not inform me at all. I would like to to compliant Golden Sachs did not inform customer need to pay the amount and what is the result of dispute and explained the details of the dispute. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANC OF CALIFORNIA, INC.
State: CA

Complaint narrative:
Banc of California is charging me a service fee when they should NOT be. I called 6 months ago and disputed the charges, they reversed the charges, they agreed with me that I should not have been charged and said it would cease, but they continued to charge me. They changed their minimum balance to {$1500.00} so I made sure there was XXXX in that XXXX account to avoid the charge but they still charged me. Not only for the service fee but also for statement fees of {$5.00} as well. 

I called again today and spoke with XXXX at XXXX who apologized again and said she would call me on Tuesday to let me know more details. 

FINE THIS BANK!!! 
They KNOW what they are doing is illegal. 

I do no trust them. 
I will be moving not only this account but the other with XXXX in it to another bank that has never pulled this shady stuff. 
Since I filed the last complaint about taking out fees when they were not allowed to. I called twice and they said it was a mistake and assured it wouldn't happen again, but it did happen again immediately. I spoke to a girl named XXXX who works at the branch in XXXX and she said she would personally monitor account and make sure it didn't happen again, and on the next monthly statement they had taken out XXXX {$6.00} fees. I called and spoke to XXXX again, and they refunded the money and gave reasons for why it happened again, that its a computer issue. This is not an accident this is a systematic issue with XXXX  of California, because I have another account with a higher balance {$60000.00} I shouldn't be charged the fee. Then my account with {$1500.00} I maintain and never use so I shouldnt get the fee. They are not allowed to take out money out of my other account. Even though I maintain the balance they still give me the fees, even after complaining and them apologizing three times they continue to do it. I think they should be fine and some penalty should be added to them, they dont care about a slap on the wrist. I am going to withdraw my money from them today because they are stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal, XXXX, synchrony bank and it's affiliates. 
Initial credit was XXXX XXXX XXXX XXXX. And over the course of time was significantly reduce in XXXX XXXX increments without notification or clarification. No letter was sent on a decision or how to dispute.

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 2026-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
my account was a charge off which means I was supposed to receive a 1099c. so, they got a tax break, and I'm supposed to claim that on my taxes. They have already written it off as a profit loss on their taxes. so, I am requesting a 1099c to report on my taxes as income. So technically I can report you to the IRS for fraud. because you have written it off on your taxes. you can't say you haven't written it off because on my credit report it says you have, so you are reporting inaccurate things on my credit which is fraud. 15 U.S. Code 1681 ( c ) 2

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
An account opened without my authorization/unauthorized account. A XXXX master card account was opened or issued in my name without my knowledge, application or affirmative consent. I never applied for a XXXX XXXX never agreed to XXXX credit terms and never authorize the opening of the account. While I previously had a PayPal credit product this is a separate financial instrument and does not constitute consent to open a XXXX account I am formally disputing the existence of this account itself. Any charges/fees or reported associated with it are unauthorized. I have requested proof of application and consent. The issue XXXX can not produce or refuses to produce a valid application. This appears to be a violation of the truth and lending act and regulation, Z, which prohibits the issuance of credit cards without an application I am requesting immediate closure of the unauthorized account written confirmation of zero liability and deletion of any related crediting report. Furthermore, when I called them, theyve told me Ive been using this card all along when there is an additional card attached to this account. I also have been getting dormant account alerts from Experian as well as my identity protection account. I believe that they have violated regulation Z as well as the truth in lending act. I have been using this XXXX account all along and no charge was ever placed on this card that I never activated until I bought a Ispring water filter. When I asked them how they could place a charge on a credit card that I never activated or agreed to they were telling me that the account had been upgraded. That is not my understanding of regulation Z or the truth and lending act.

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 2026-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Around early XX/XX/year>, I applied to open a personal bank account with Citibank. During the application process, I was informed that because I was born in XXXX, my application would require an additional compliance review, which I was told would take approximately XXXX business days. 

As of today, more than XXXX  days have passed since that notification, and I have received no decision, no follow-up communication, and no clear explanation regarding the status of my application, despite waiting far beyond the timeframe provided. 

I am a lawful permanent resident of the United States, legally authorized to live and work in this country, and I fully complied with all documentation and identification requirements requested by the bank. The prolonged delay, lack of communication, and absence of resolution have caused me significant frustration and emotional distress. 

I feel particularly discouraged and saddened by this experience, as it gives me the impression that I am being treated differently or unfairly due to my country of origin, despite my legal status and compliance with U.S. laws. As a permanent resident, I expect to be treated with the same transparency, respect, and timeliness as any other customer. 

I am submitting this complaint to request a clear explanation of the delay, proper communication regarding my application status, and a fair resolution to this matter.

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 2026-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
In XX/XX/year>, a representative of XXXX stated that XXXX had lost a lawsuit and that my businesses were required to replace all POS equipment and move to new accounts in order to qualify for refunds related to prior overcharges. I was told this was mandatory, that there would be no equipment or subscription fees, and that my processing rate would be reduced to approximately 1.85 %. 

Based on these representations, I agreed. New equipment was installed, but I later discovered that new merchant accounts and Merchant IDs were created without clear disclosure, and non-cancelable equipment leases and recurring subscriptions were added. No refund related to the alleged XXXX lawsuit was ever provided. 

The promised 1.85 % processing rate was never implemented ; processing fees have remained approximately 3.25 %, resulting in ongoing overcharges. In addition, I am still being billed monthly for multiple merchant accounts and equipment leases, including accounts and equipment that are no longer in use. 

I contacted the company multiple times between XXXX and XX/XX/year> requesting explanations, corrections, and refunds. A supervisor acknowledged the issue and promised reimbursement, but no corrective action was taken and responses eventually stopped. Billing has continued despite my attempts to resolve the matter. 

I am seeking cancellation of the affected accounts and leases and a refund of excess processing fees and undisclosed 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 2026-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Giggle Finance Inc.
State: AZ

Complaint narrative:
XX/XX/year> I was shopping loans online. XXXX XXXX offered me a loan which I DID NOT ACCEPT, AGREE TO, SIGN FOR. Never agreed to the loan. Shortly later I noticed that the company stated on their website on " my account '' that I had a balance of {$1800.00}. Never agreed to this loan, never received money, never got a copy of the loan or payment dates. Initially XXXX was used by XXXX XXXX to check my bank account so I was under the impression that it was a legitimate company. Regardless I did not agree to a loan with XXXX XXXX. I did not sign anything. XXXX XXXX will not respond to me. Have tried by email, phone and text. Please help me and anyone else from being preyed on by this " company ''. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: OH

Complaint narrative:
I recieved a letter dated XX/XX/XXXX from Unifin, Inc.concerning a alledge debt owed to them ref # XXXX. On XX/XX/XXXX An attorney representing me sent Unifin a cease and desist letter concerning contacting me. 
On XX/XX/XXXX I recieved a letter from Unifin trying to collect on same alledge debt ref # XXXX. This violates the Fair Debt Collection Practices Act ( FDCPA ), breaking the law by ignoring my request to stop communication.They are also breaking FDCPA rules against harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed through Cash App after being misled by false and deceptive advertising and representations made through the platform. I was led to believe the transaction was legitimate and safe, based on how it was presented and advertised. After sending the funds, it became clear that the transaction was part of a scam and the recipient never provided what was promised. 
I immediately contacted Cash App and provided multiple screenshots clearly showing the misleading information, false claims, and the sequence of events proving that I was deceived. Despite this evidence, XXXX XXXX dispute team has refused to assist or return my funds. I was not protected, warned, or adequately informed of the risks, and Cash App failed to take reasonable steps to prevent or resolve this fraudulent activity. 
I am requesting reimbursement of the funds lost due to this scam and a formal review of XXXX XXXX dispute handling, as I acted in good faith and relied on misleading information that resulted in financial harm.

Company response to consumer: Closed with explanation