vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I started paying the loan vehicle in XX/XX/year> principal balance XXXX for over a year. The principal balance stayed the same, even though I was making my payments for almost a whole year. My payments were going to nothing but interest for the past seven months. The balance is stay the same at XXXX XXXX every time I call, they say that Im behind on interest and I dont understand how if all my payments are going to nothing but interest there has been two payments that have gone some to the interest some to the principal. I dont understand how when I make my payment. Nothings going towards the principal its all going to interest even if I pay more every month its still going to interest. And the amounts that I pay every month are the same and yet the payments that go towards interest in the principle are different. If my payment is the same every month and when they do decide to apply anything to the principal or the interest, theyre different amounts and I dont understand why. I have called and spoken to the finance company numerous times and they tell me that its a {$20.00} a day interest fee even if Im caught up and up-to-date and make my payments on time. So no matter how much I pay being caught up making my payments on time Im still occurring an interest fee every day and at the end of the month its almost as much as my monthly payment. So even if I make my monthly payment, its all going into interest because the interest is going. Theyre going to take out for the interest first before they apply anything anywhere else on my contract. I wont be done paying for this vehicle until XXXX and by the time Im done I will be paying over {$70000.00} for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I paid off my vehicle title loan in full on XX/XX/year>. I was informed that I would receive the title ( pink slip ) and lien release within 10 days ; however, I never received it. Since that time, I have contacted the lender multiple times and was repeatedly informed that the title had been mailed. I was later told it was sent to the wrong address. I have updated my correct address with the company at least five times, yet the lender continues to send the title to the incorrect address. It has now been over three months, and the lender has failed on at least four occasions to properly deliver the title. Despite my repeated requests, the lender has also refused to provide an electronic lien release or a lien release letter. As a result of the lenders failure to properly release the lien, the California DMV still reflects an active lien on my vehicle, preventing me from obtaining my title and exercising full ownership rights. This ongoing failure to release the lien and provide proper documentation after full payoff is unacceptable. I am requesting immediate correction, including proper lien release with the DMV or issuance of a valid lien release document without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: PA

Complaint narrative:
XX/XX/year> I financed an auto loan for a vehicle that I later discovered was unsafe and no longer in my possession. The bank I financed through sold the loan to XXXX XXXX, and the law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX became involved in attempting to collect the debt. I have been trying to get information about this account for over a year and a half. Despite multiple calls, nobody has contacted me or provided documentation showing the status of the debt or the vehicle. The company has admitted they do not have the car, and this unresolved situation is preventing me from securing financing for a reliable vehicle needed for work. I am requesting that the company provide full validation of the debt, including the original loan documents, payment history, and proof of collateral, or cease collection efforts. I also request that any reporting to credit bureaus be corrected if the debt can not be validated or if the collateral is unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/year>, a written request was submitted via certified mail, return receipt requested, to Freedom Mortgage Corporation at XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, concerning a mortgage loan associated with a property in which the complainant holds a legally recognized ownership interest. The request included sufficient identifying information to allow the servicer to locate the loan and respond appropriately. The request sought limited information related to loan servicing, records, and notices affecting the property and the complainants ownership interest. It did not request the borrowers personal financial application materials or nonpublic income documentation. Within the correspondence, the complainant expressly acknowledged that they are not the borrower and stated that, if the servicer contended that the requested information could not be provided on that basis, the servicer should issue a written denial citing the specific statutory or regulatory authority supporting such refusal. Delivery of the request was confirmed on XX/XX/year>. Despite confirmed receipt, Freedom Mortgage Corporation failed to provide any acknowledgment, response, or written denial within the timeframes required under applicable federal servicing regulations, including 12 C.F.R. 1024.36 and related RESPA provisions where applicable. This failure to respond has prevented the complainant from obtaining information directly affecting their ownership interest and from understanding the status and servicing of the loan as it relates to the property. The absence of any response, including a legally supported denial, raises concerns regarding the servicers compliance with its obligations to respond to written requests and to provide transparency where property rights are implicated. This complaint is submitted to seek a substantive response to the original request, including either the requested information or a written explanation, supported by applicable law, for any refusal to provide such information.

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 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Renton Collections Inc.
State: WA

Complaint narrative:
" The medical provider ( XXXX XXXX XXXX XXXX ) failed to file a claim with my insurance ( XXXX XXXX ) within the required timeframe. As a result, XXXX denied the claim with Reason Code 29 and issued an EOB stating my responsibility is {$0.00}. The provider is now attempting to collect this {$890.00} from me personally through Renton Collections , Inc., which is a violation of their insurance contract and consumer protection laws. I have repeatedly sent them the EOB proving I owe nothing, but they refuse to stop collection activities. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am currently on unemployment and entered a XXXX hardship plan on XX/XX/XXXX. I followed all agent instructions, including authorized split payments. Despite the company claiming my program ended on XX/XX/XXXX, they issued an official billing statement on XX/XX/XXXX at XXXX XXXX stating my XXXX payment was {$180.00}. I relied on this official written communication to budget my limited funds. However, on XX/XX/XXXX, the company abruptly demanded {$1000.00} and marked me delinquent. The company refuses to honor its own XX/XX/XXXX billing notice, citing a " 12-month cooling period '' triggered by a system error that occurred while I was following their own agents ' guidance. I provided three specific payment confirmation numbers proving I was current as of XX/XX/XXXX. The company is also refusing to provide my chat transcripts which would verify the agent guidance I received, citing internal privacy protocols against me, the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your choices dont match my complaint. This is about the credit reporting company, not about misinformation received by it. Yesterday and today XX/XX/year> I tried to delete/close my account with Experian. After signing in and following all directions on their website including their Support Help, XXXX chat bot, and phone number given by their chat bot I am unable to locate how to close my account. The chat bot explained they didnt have the information to do that, and I had to call their automated phone system as no email or phone number were available to converse with a real person. The automated phone system said they didnt have the information and I had to do it online at XXXX, which is where I started. The chat bot didnt have an answer about how to escalate this request and offered only escalation information to complain about other companies misinformation about me.

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 2026-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against XXXX regarding improper handling of my credit card account and failure to properly investigate and resolve a dispute. I submitted a dispute regarding charges on my account, however XXXX failed to conduct a reasonable investigation as required under federal law. I was not provided sufficient documentation or explanation supporting their decision, and the disputed charges were either incorrectly upheld or not properly reviewed. Additionally, there are concerns regarding the accuracy of the account balance and how transactions and/or payments have been applied. I believe XXXX may be reporting inaccurate information to the credit bureaus, which has negatively impacted my credit profile. Despite my efforts to resolve this directly, the issue remains unresolved and I am requesting regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. On or about XX/XX/year>, an unknown individual used my personal information without my permission to open an XXXX credit card account in the amount of {$9400.00}. I did not authorize this account or any related activity. I first became aware of the issue when I noticed unfamiliar activity associated with my identity. Upon discovering this, I took steps to report the fraudulent account and protect my personal information. I am requesting that this fraudulent account be investigated, closed, and removed from my credit history, and that I not be held responsible for any charges associated with it.

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 2026-04-07 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Starting XX/XX/XXXX, criminals repeatedly added themselves as authorized users on my Barclays XXXX XXXX XXXX, with their own names and card numbers. This happened four separate times over nine months with four different names ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). In total, 10 different card numbers were issued on my account. My account address was changed fraudulently three times to addresses in XXXX and XXXX. All fraudulent charges were made in XXXXXXXX XXXX. I live in XXXXXXXX XXXX The last legitimate charge on my account was XX/XX/XXXX. Every charge after that date is fraudulent. I first reported the fraud in XX/XX/XXXX. I was told the charges would be investigated. When I called back in XX/XX/XXXX, I was told no investigation had ever been started. XXXX more months of fraud occurred during that gap. I have called Barclays at least nine times. I have received contradictory information repeatedly. On XX/XX/XXXX, agent XXXX told me she manually marked all charges as fraudulent and closed all accounts. On XX/XX/XXXX, I was told the investigation denied my claim. On XX/XX/XXXX, I was told both that the claim was denied AND that the investigation was ongoing, in the same call. On XX/XX/XXXX, the investigations team confirmed verbally that ALL charges had been accepted as fraud and would be deleted, including late fees, within 60 days. On XX/XX/XXXX, well past the 60-day window, I was told charges on at least one of the fraudulent cards ( ending XXXX, in the name of XXXX XXXX XXXX were never reported as fraudulent and I still owed the money. This directly contradicts what I was told on XX/XX/XXXX. I am requesting : ( 1 ) Immediate removal of all fraudulent charges across all card numbers. ( 2 ) Removal of all late fees, interest, and penalties. ( 3 ) Correction of any negative credit reporting to all three bureaus with written confirmation. ( 4 ) Written explanation of how four unauthorized users were added to my account. ( 5 ) Written explanation of why my XX/XX/XXXX fraud report was never investigated. I have complete documentation of every statement, card number, fraudulent address change, and phone call.

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 2026-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: KS

Complaint narrative:
XXXX XXXX 's Americor XXXX XXXX never has any live person you can speak with. You can only seem to get an auto-generated reply through emails. Back in XXXX of XXXX I received an email from them that I was coming to the end of my term for payments of ~ XXXX XXXX for 36 months. They said they were going to go ahead and automatically extend that for a period of 7 more months because 36 was just an estimate. I asked for a statement. I had paid them ~ {$18000.00} to date, which was enough to payoff the three credit cards they had reached a settlement with. Out of that $ 900 monthly they were only paying {$200.00} to the credit card companies and keeping the rest as fees. Now I learned today that two of the car ds that I asked them to settle with, they never did, and they are suing me, and one they did settle with, apparently never got the full settlement, so they are now suing me too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a customer of discover credit card company and had a camera subscription which the company began to overcharge me. When I would call the camera company, it was a disconnected number. I called Discover Card and asked them to stop payments to the company, and they said they couldn't do that and kept subtracting money out of my account every month. I spent hours on the phone trying to rectify the situation, the agents are very curt and unsympathetic. I instructed the discover agent to pay the balance of the bill and close the account XX/XX/year>. At that time I erased the shortcut from my desktop and anything else to do with the Discover Card. In XXXX I discovered they did not take the balance owed out and instead we're charging me {$100.00} a month for interest, and finance charges. I contacted my bank and blocked discover from taking anymore money. I called Discover Card and agreed to pay the balance of the bill on XX/XX/XXXX however the company added additional charges, such as return check fee which is invalid because I blocked them. Now they've added additional {$150.00} in finance charges and other fees I spoke to the account XXXX and agreed to pay what was owed on XX/XX/XXXX but they will not remove these additional charges. And as of last night when I checked my XXXX XXXX it was XXXX points down from what it was last week as a result of Discover Card weaponizing their power to wreck my XXXX XXXX. I am currently applying for a consolidation loan and this unlawful mark on my credit is going to cost me a lot of money and may even prevent me from this loan. Please help me in this matter I am willing to pay the full balance that I owed that XX/XX/XXXX, They still have been paid fees but if they were ethical they would have accepted the mistake they made by not taking out the money and agreed to my wishes, I am currently unemployed and do not have the means to support multibillion dollar extortionist credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
When moving out of XXXX XXXX XXXX the landlord mentioned we can move out early. Once we got the moving truck and took care of everything, to our surprise they tried to charge us additional rent for the following month. We explained to XXXX XXXX that the landlord said we could move out early and the landlord admitted she made a mistake with the documentation. My parents went to small claims court and ended up getting the case dismissed and the situation resolved. When I checked my credit report a week ago I saw this collection amount come onto my credit report and I am now disputing it. The collection amount was for {$2200.00} and the collection company is Hunter warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: AZ

Complaint narrative:
In XXXX an authorized transaction took place on my card in the state of XXXX. I live in XXXX, have never been to WI and know no one in WI. I called and reported the fraud immediately. The claim was denied. I was told it was denied because the person didnt spend all of the money. This transaction was fraudulent and this bank aided a criminal in stealing from me. I would like to add the grocery store saw it as fraud. They advised me to contact my card company as they could not issue a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: CT

Complaint narrative:
I opened premium saving account with e * trade on XX/XX/year>, transfered XXXX dollars initial depoist on XX/XX/year>, and on XX/XX/year> my account was XXXX, and later when I called I was told that my account was closed. however my initial XXXX dollar deposit never returned. i had contacted e * trade at XXXX many times and uploaded many documents they asked. but every time I called, there is always something new. I was able to get my intial deposit in amount of {$100.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I am following up regarding my previous complaint because the response provided by BSI Financial Services does not resolve the issues raised and introduces additional inconsistencies. In their most recent response, BSI stated that payments are applied and effectively dated based on the date they are received, even if they are not posted on that same day. However, they also confirmed that multiple payments were posted on the same date in XX/XX/year>, which raises concerns about whether those payments were actually received at that time or held and applied later in a batch. BSI has not provided documentation showing the actual receipt dates of payments, such as transaction timestamps or processing records, nor have they explained whether any payments were held in suspense or delayed before being applied. Additionally, the reported delinquency timeline has changed between responses, which raises further concerns about the consistency and accuracy of the reporting. Despite claiming accurate reporting, BSI has not provided sufficient transaction-level documentation to support how delinquency was determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex platinum canceled my card without my consent. I asked them to cancel my business card and they canceled my personal card instead.

Company response to consumer: Closed with explanation