vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA 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: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Company Name : AmeriHome Mortgage Product : FHA Streamline Refinance Issue Type : Mortgage / Loan servicing Sub-Issue : Deceptive practices/ Failure to disclose material terms Complaint Description : AmeriHome Mortgage contacted me and marketed a so-called streamline refinance by stating that, because I have an FHA loan XXXX they could lower my monthly payment and/or interest rate with no credit check. The transaction was presented as simple, beneficial, and low-impact. 

However, AmeriHome failed to disclose several material facts prior to my agreement : I was not informed that the refinance would involve a trial period that would negatively affect my credit score. 

I was not informed that this transaction would temporarily function as a second loan/mortgage obligation, rather than a straightforward modification or replacement of my existing loan. 

I was not clearly told how or when the original loan would be paid off or replaced. 

I was not provided a clear, verbal, or plain-language explanation of how this structure would impact my credit profile or overall debt obligations.

These facts were not disclosed during the sales conversation, despite being material to my decision. When I later raised concerns, AmeriHome representatives stated that the information was in the paperwork I signed, rather than acknowledging that these impacts were never clearly explained prior to consent.

Presenting a refinance as a simple FHA streamline while omitting credit score impact and the existence of a second loan obligation is misleading and undermines informed consent. Relying on dense paperwork after the fact does not cure the failure to disclose material terms upfront.

I believe this conduct may constitute deceptive or unfair acts or practices ( UDAAP ) under consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I was purchasing flooring from XXXX in XX/XX/XXXX. The XXXX rep encouraged me to aogn up for the XXXX credit card and said because I was recently activated ( XXXX XXXX XXXX XXXX XXXX XXXX ) that I could submit my orders for 0 % interest ( XXXX  is 6 %, but synchrony Bank offered 0 % ). So I signed up and got my flooring and started paying monthly. In XX/XX/XXXX, I got $ XXXX interest fee. I had recieved a XXXX XXXX extension and figured I just needed to resubmit the orders. When I called the Synchrony Bank rep informed me that the 0 % or the 6 % SCRA benefits do not extend to the lowes card because it was a promotion. I asked to speak to the account manager, XXXX. She confirmed that XXXX  does not apply. I explained that it was not explained that way and I was told Synchrony had a 0 % for XXXX XXXX, again, Synchrony bank informed me it does not apply to this card because it was labeled a promotion.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Caine & Weiner # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am submitting this complaint against Caine & Weiner regarding a collection account reporting on my credit file under the account number listed above. I dispute this account in its entirety. 
I have no knowledge of this alleged debt, never received any written notice, and was not provided the legally required disclosures before this account appeared on my credit report. Under FDCPA 809 ( a ), a debt collector must send written notice within five days of initial communication, including the name of the original creditor, the amount of the debt, and notice of my right to dispute and request validation. That did not occur here. The first notice I received was credit reporting, which is unlawful. 
I have done extensive research on Caine & Weiner and am aware of their long history of consumer complaints, regulatory scrutiny, and litigation involving improper collection activity, failure to validate debts, inaccurate credit reporting, and violations of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Given this documented pattern, their continued reporting of this account without validation is especially concerning.

I have requested validation of this alleged debt, yet Caine & Weiner has failed to provide any documentation establishing : The original creditor The legal basis for the debt A signed contract or agreement A complete itemized accounting The date of first delinquency Proof of assignment or ownership Proof that proper written notice was sent to me Under FCRA 607 ( b ), furnishers must ensure maximum possible accuracy. Under FCRA 623 ( a ), information that is inaccurate, misleading, or unverifiable may not be reported. Reporting a collection without validation, notice, or supporting documentation violates both statutes. 
Additionally, XXXX XXXX compliance standards require furnishers to report complete, accurate, and non-misleading data. Reporting a collection without identifying the debt, original creditor, or validation history is inherently misleading and non-compliant. 
Caine & Weiners continued reporting of this account after failing to validate it constitutes willful noncompliance, especially given their awareness of federal reporting obligations and their history of enforcement actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WA

Complaint narrative:
This complaint is associated with complaint ID : XXXX This adjoining complaint, about Chime Bank , is potentially confusing, so I will do my best to explain and clarify.

1. Monies receive from Chime Firstly, Chime bank * did * pay me the remaining account balance of {$34.00}, via check. I cashed that check on XX/XX/year>. XXXX XXXX The problem is that all I received was the check. XXXX XXXX I did not receive any accounting statement to verify that the amount paid by check was the correct amount. Is providing an account statement a XXXX basic XXXX banking practice? 


2. Previous Direct Deposits to Chime ( referred to as allottments from pay check ) BOTTOM LINE : XXXX XXXX On XX/XX/year> I got paid {$400.00} LESS than my full net pay. I have included my pay statement for verification. Therefore, Chime still owes me {$400.00}. * * SCROLL DOWN TO PAGE 2 OF THE ATTATCHMENT. 



To Chime, what is the status of that money? My net retirement pay is XXXX still XXXX being deducted by the amount of that {$400.00} allotment. I downloaded my pay statement just moments ago, in conjunction with filling out this form. My net pay is still being lessened by the {$400.00} allotted to Chime. On my end, I have ensured that the allotments from my paycheck have been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint regarding the permanent limitation of my PayPal account, which has severely impacted my ability to manage personal finances. 

On XX/XX/year>, PayPal notified me that my account was permanently limited due to " unusual activity '' that they stated they could not accept. 

I have been a long-time PayPal user and depend heavily on this account for receiving payments, making online purchases, and day-to-day financial transactions. The sudden permanent limitation has caused significant hardship and disruption. 

When I contacted PayPal support multiple times via phone ( XXXX ), representatives informed me that the decision is final, they can not disclose specific details for security reasons, and there is no appeal option available in the Resolution Center. 

I believe this limitation may have been applied in error, possibly due to an automated system false positive, as I have always used my account responsibly and in accordance with PayPal 's terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint because XXXX GENESIS reported a collection account on my credit report for {$280.00} ( Account # XXXX ), and I have no idea what this debt is for. I never received any written notice, billing statement, validation letter, or initial communication from this company before it was placed on my credit report. Reporting a collection firstwithout providing the legally required validation informationprevents me from identifying the alleged creditor, confirming the legitimacy of the debt, or disputing it in a meaningful way. 
I have done my due diligence and research. XXXX is commonly tied to Columbia Debt Recovery LLC d/b/a Genesis, a third-party debt collector that collects debts on behalf of clients ( often property-management / rental-related accounts ). 

I should not have to guess what this account is. Under federal law, a debt collector must provide a written validation notice containing key information ( including the amount and the name of the creditor ) within XXXX days after the initial communication. 

The CFPB also explains that collectors must provide required validation information about the debt. 

Despite my repeated requests ( this is now my sixth time requesting validation ), I still have not received proper documentation to support reporting this account. If XXXX GENESIS can not provide proper validation and proof of notice, then this collection is unverifiable and should not be reported or collected. 
Additionally, I am aware that violations of the FDCPA can expose a collector to statutory damages up to {$1000.00} in an individual action. 

Reporting a debt without proper notice/validation and continuing collection activity without providing required validation is not oopsits noncompliance. 
What I requested ( short sentence ) I requested that XXXX GENESIS provide full validation and proof of notice for Account # XXXX, or delete and cease reporting the collection immediately. 
What I am requesting again as proper validation To validate and legally continue reporting/collecting, XXXX GENESIS must provide actual documentation, including : The name of the original creditor and who currently owns/collects the debt ( and proof of authority to collect ). 

A complete itemization showing how the {$280.00} amount was calculated ( principal, fees, interest, dates ). 

The date of first delinquency, date the account was placed for collections, and proof the reporting is accurate. 
A copy of the contract/lease/service agreement or other document bearing my responsibility for the debt. 
Proof that the legally required validation notice was sent ( when, where, and how ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Almost done paying the loan off and will own like XXXX in interest on the car

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2025, I initially purchased airline tickets online for approximately {$500.00}. Shortly after the purchase, I received a call from the third-party booking company stating the tickets were invalid unless I rebooked at a higher price. I was told baggage was not available to purchase once at the airport. 

During the call, I was pressured to pay an additional {$1000.00} to rebook. Due to a language barrier and misleading information, I believed this charge was replacing the original amount, not in addition to it. I later realized I was being charged both amounts. 

I told the agent I did not agree, would not proceed, and would not take the flight. The agent was rude, dismissive, and ended the call abruptly. I did not travel using these tickets. 

I disputed both charges with Citi. Citi reversed the initial XXXX {$500.00} charge but denied the dispute for the {$1000.00}, stating the charge was non-refundable. The tickets were purchased through a third-party website that, upon further investigation, is known for bait-and-switch practices. I never received valid airline confirmation or a proper cancellation option despite requesting 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 monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: CO

Complaint narrative:
What Happened : I am writing to formally dispute my private student loans serviced by Firstmark Services, which were used to attend XXXX XXXX. I am requesting a full discharge of the remaining balance and a refund of all payments made, based on documented school misconduct and " substantial misrepresentations '' by the institution. 
The U.S. Department of Education ( ED ) issued a formal finding ( Executive Summary, XXXX ) that XXXX XXXX  ( now XXXX XXXX XXXX XXXX XXXXXXXX ) defrauded students from XXXX to XXXX. The ED found that XXXX misled students regarding the cost of the program, the transferability of credits, and the ability of graduates to obtain professional licensure. These findings have already resulted in the discharge of XXXX of dollars in federal loans for students in my exact situation. 

I am asserting my rights under the FTC Holder Rule ( 16 CFR Part 433 ), which is included in my private loan contract. This rule states that the holder of the debt ( Firstmark ) is subject to all claims and defenses that I could assert against the seller ( XXXX XXXX  ). Since the school committed fraud, I have a legal defense against the obligation to repay this debt. 

I have contacted Firstmark Services via phone to request a " School Misconduct Discharge Application '' or a formal dispute process. The representatives and supervisors I spoke with denied the existence of such a process and claimed these protections only apply to federal loans. This is a violation of the Consumer Financial Protection Act, as they are misleading me about my legal rights and benefits. 

Desired Resolution : I am seeking a full discharge of all outstanding private loan balances serviced by Firstmark and a refund of all payments previously made. I also request that Firstmark remove all negative reporting related to these loans from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
This company is a scam! I paid off my debt settlement with this company on XX/XX/XXXX and yet they still have not closed my account! And not only that, but they continued to take money, unauthorized, out of my checking account!!! They have sent me into the red twice. I have talked to them many times about this. I was told my resolution would be complete on the XXXX of XXXX yet its not and its XX/XX/XXXX. They literally just tried to take another XXXX some dollars out of my account!!!! I was told they wouldnt continue taking my money and yet they still did and do! And I have not received XXXX refund, but yet I was told Id have it refunded already. I know theyre just sitting on my money as long as they can, for interest gains. They also are very misleading in their fees that they charge. 
I do not recommend!!! Heed this warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year>, my PNC Bank credit card was fraudulently charged for {$170.00} at gas station location XXXX XXXX XXXX XXXX. I immediately called PNC Bank to report this charge as it was not authorized by me. I received a temporary credit of {$170.00} on the same date of XX/XX/year>. However, on XX/XX/year>, PNC Bank completed their investigation and determined that the charge was authorized, leaving me with the final charge of {$170.00}. I have since called PNC Bank several times in hopes of reversing their final decision given that it was not me that authorized this charge. PNC Bank has also not given me definitive evidence which led to their final determination. It is very frustrating given that PNC Bank has now started charging me late fees for this transaction and it has affected my credit score. There are now two late payments on my credit ; I have never had a late payment in my XXXX years of credit history. It has also affected the credit score of my children who are users under my credit card. It is very frustrating to be treated with this type of service from PNC Bank and it is the third time this has occurred. I am hoping to have this resolved given the long-standing relationship that I have had with PNC Bank , and this experience has made me reconsider this relationship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was scammed by a phone call from a supposedly Wells Fargo employee that tricked me into positing {$5400.00} into a new account.The new account was not mine, although they said it was due to the fact that it was a scam and not a fraud.Well, fargo refused to refund my money.

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 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I financed an XXXX purchase through Affirm. The item was never received. 

Initially XXXX told me the item was canceled, however as time passed I realized I never received the refund to Affirm and Affirm told me to resolve the issue with XXXX. 

The delay for both companies to refund to each other and then to me didn't give sufficient time to make another dispute, the information both customer support teams gave me didn't help appease either side. I used every method given to me to remedy this problem. 

When I attempted to resolve the issue, I contacted XXXX to obtain proof of delivery. XXXX provided written confirmation stating they are unable to provide proof of delivery for this order due to record retention limits. Additionally XXXX customer service insisted that the order shouldn't have been charged to Affirm for the reason that allegedly XXXX doesn't charge items that don't reach the customer. 

I submitted this written confirmation to Affirm along with a consumer declaration requesting cancellation of the loan due to non-delivery of goods. 

Affirm denied the dispute, citing a 120-day dispute limit, and has repeatedly provided substantively identical responses despite the merchants written confirmation that delivery can not be verified. 

Affirm instructed me to have XXXX cancel or correct the transaction. However, XXXX support advised me that because the purchase was financed through Affirm, XXXX could not cancel or correct the loan and that Affirm was responsible for resolving the financing dispute. 

As a result, both parties directed me to the other, leaving me without a viable mechanism to resolve a billing error for goods not received. 

I am disputing a billing error involving non-delivery, where the merchant can not demonstrate that the goods were delivered. This issue could not reasonably have been discovered earlier, as the lack of proof of delivery was only confirmed after XXXX reviewed its records. 

Affirm has failed to conduct a reasonable investigation or meaningfully address the evidence provided and instead relies solely on an internal time limit to deny the dispute. 

I am requesting that Affirm be required to conduct a reasonable investigation and cancel the loan for goods that were not delivered, correcting my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I have call so many time to tell them I was unaware of the dept I was too young to fully understand it was a loan. They stated it will take 4 years to complete.

Company response to consumer: Closed with explanation