vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.

Complaint narrative:
Previously raised ( XXXX ). NOT resolved. It is terrible that large organizations can get away with trying to DEFAUD their customers. They need to be accountable. 

Rushmores response does not address the issue raised in this complaint. My concern was not the payoff calculation errors they described ( which were addressed in a previous complaint through CFPB ). The new complaint/issue was that, before we finally got the corrected payout statement, XXXX XXXX  contacted us claiming there was a printing error on our signed contract and asked us to re-sign a corrected version. We verified with the original escrow company that there was no printing error, and the original documents were complete. This indicates we were asked to re-sign under false pretenses. Rushmores reply simply states they can not attest to the actions of XXXX XXXX and does not investigate or explain this conduct. I am requesting that the CFPB continue reviewing the matter so the specific issue of misrepresentation and attempted re-execution of contract documents is properly addressed and recorded. 

HERE IS THE ORIGINAL COMPLAINT ( NOT resolved ) : After requesting a prepayment statement for our mortgage, XXXX XXXX  contacted us claiming that a printing error had caused the prepayment penalty terms on our signed contract to be incomplete. They asked us to re-sign a corrected version to finalize the file. We then verified with the original escrow company that there were no printing issues on the signed form. The original version clearly showed the full penalty terms. This indicates that XXXX XXXX  explanation was false and appears to have been an attempt to get us to re-sign under false pretenses after they realized the contract wording on penalties for years 2 and 3 indicates no penalty for early/pre-payment. Rushmore Loan Management ( our loan servicer ) has since apologized and acknowledged that the original contract language was unclear, confirming our suspicion that XXXX XXXX request was deceptive. We are filing this report to protect other consumers from similar misleading conduct and possible mortgage document fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Product : Auto loan Company complained about : World Omni Financial Corp ( XXXX Financialrelated lender ) Dealer involved : XXXX of XXXX XXXX XXXX XXXX XXXX  ) What happened? 

I am filing this complaint regarding deceptive practices and misrepresentation related to optional products that were added to my auto loan without proper disclosure or informed consent. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX of XXXX XXXX, XXXX XXXX, financed through World Omni Financial Corp . 

At the time of sale, the finance representative clearly stated verbally that a product called Premium Protect Plus would be included at no charge. I relied on this statement. I was not informed that this product would cost {$2900.00} or that it would be financed and added to my loan balance. 

After reviewing my paperwork at home, I discovered that : Premium Protect Plus ( {$2900.00} ) was added to my loan GAP Insurance ( {$1500.00} ) was also added without proper explanation that it was optional I did not knowingly consent to financing Premium Protect Plus, I never requested it nor was I informed that GAP Insurance was optional. These products were not properly disclosed in a clear or transparent manner. 

When I contacted the dealership to dispute this, the dealer stated it was not his problem and I should talk to finacial department. The finance representative laughed at me, told me canceling GAP was a terrible idea, stated I did not know what GAP was, and hung up on me. I also tried talk to the customer service experience and even offered to return the vehicle in exchange for my down payment, which was refused. 

The dealership claims that because I signed paperwork, I agreed, despite the fact that the product was misrepresented verbally as free and not properly disclosed. The paper were presented eletronically for me to sign without opportunity to review it, and only a HD was given to me with the eletronic paperwork. 

Why is this a problem? 

Optional products were misrepresented Costs were not clearly disclosed Consent was obtained under false pretenses The lender is financing charges that were added through deceptive dealer practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Starting on XX/XX/year> and lasting until today, access was blocked to my online citi cards portal. I have spoken to multiple departments and with multiple supervisors. I was told that i would have access anywhere from XXXX minutes to XXXX hours. Access was given back for short periods of time but later taken away for inexplicable reasons. I also reached out to the company via XXXX and got a reponse sating it was fraud related but no more info was given to me. Given that I'm Armenian American and Citi 's track record with my people and the totality of the cricumnstances involving the several incosnsitent answers that i received, I believe Citi is once again illegally tageting and discriminating at least XXXX XXXX XXXX I have spent time away from my many responsibilites trying to resovle this issue on my own.

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 2026-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: NC

Complaint narrative:
I am submitting a dispute regarding an auto loan account being reported by Global Lending Service. This account is reported as charged off with a balance of {$2600.00}. I dispute the accuracy and completeness of this account.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ), furnishers are required to report information that is accurate and complete. This account is being reported with missing and inconsistent information, including the absence of the original creditor details and unclear accounting of how the reported balance was calculated.

Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is filed, the furnisher is required to conduct a reasonable investigation and provide verification of the debt. I am requesting full verification, including a complete payment history, proof of the charged-off balance, and documentation showing I am legally responsible for the amount being reported. 
If Global Lending Service can not provide proper verification and documentation supporting the accuracy of this account, I request that the account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a CareCredit account issued by Synchrony Bank for a dental procedure on XX/XX/XXXXXXXX  in the amount of {$6700.00} with XXXX  XXXX in XXXX XXXX  TX. Of that total, {$4500.00} was placed on a 24-month deferred interest promotional plan with an expiration date of XX/XX/XXXX. 
I intended to pay the promotional balance in full within the promotional period. However, I misunderstood the grace period timing and believed there was an additional month to pay the remaining promotional balance without retroactive interest. I paid down the majority of the balance but missed the promotional payoff by one billing cycle. After the expiration, Synchrony assessed retroactive deferred interest in the amount of approximately {$3700.00} ( with interest accruing at approximately {$170.00} per month ) on a remaining promotional balance of {$3200.00}. 
I contacted CareCredit/Synchrony Bank customer support multiple times to request clarification regarding the promotional payoff date, whether a cure payment could be applied, and whether a promotional exception could be granted if I paid the remaining balance in full immediately. I was informed that no exception or cure could be granted and that the deferred interest charge could not be reversed. I was prepared to pay the full remaining principal balance at that time, but the company refused to allow me to do so without paying the deferred interest. 
I do not believe the grace period and deferred interest terms were clearly disclosed on the billing statements, and the deferred interest charge was unexpected and excessive. I am seeking a resolution where the deferred interest is waived or reversed so that I can pay the remaining principal balance in full as originally intended.

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 2026-01-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I am not able to use the gift card any where, not even in a physical store. The funds are on there but getting declined. I have reached out to customer service twice about the issue. This feels like fraud because when I researched its tons of more cases just like mine. Why is the card even still being sold as if it can be used? American Express are taking peoples money and not wanting to give a refund on these defective gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I was XXXX  from XX/XX/XXXX until XX/XX/XXXX I have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
On XX/XX/XXXX Barclays bank allowed a Navyist XXXXXXXX to be opened in my name in XXXX XXXX  at XXXX XXXX XXXX number XXXX. They maintain that it was me who opened it entirely on the grounds that it was opened in store so someone should have shown an ID and so it must have been me, even though I live a state away. 
A physical card was never activated, but they let them spend XXXX $ XXXX at XXXX XXXX that day, and let them apparently set up an online banking profile because they asked for a credit increase on XX/XX/XXXX, but then Barclays closed the account from lack of use and denied their credit increase. It was issued using my correct birthday, ssn, and address but not my email, and Barclays continues to claim that TO PROTECT THEIR CLIENTS they can not give out the email used on the account, even though they claim it is my account and make me verify my birthday and ssn to even talk to then about the account. It is now delinquent and ruining my credit score but they of course don't care. 
I noticed it on my credit report immediately and filed a fraud complaint which was denied because Barclays maintains that I teleported to XXXX XXXX to purchase XXXX $ + from XXXX XXXXXXXX. 
Never worked with Barclays before and I certainly won't 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
Consumer complaint received 2026-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
There was an unathorized charge for XXXX worth the balance of the card, {$50.00}. It was made between my grandmother purchasing the card, and me obtaining it. 

On the statement it says : XXXXXXXX XXXX XXXX XXXX  {$50.00} It was spent on XX/XX/XXXXXXXX  and the only other card activity is XX/XX/XXXXXXXX  when the card was purchased and loaded with {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XX/XX/year> Westlake Financial, XXXX XXXX XXXX. # XXXX, XXXX XXXX, CA XXXX Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear Westlake Financial, I am responding to your recent communication regarding an alleged debt you claim I owe. This letter is not a refusal to pay but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide validation of this debt. Please provide the following : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including an itemized breakdown of interest, fees, and other charges. 3. A copy of the original signed agreement or contract that created the debt. 4. Verification that your agency is licensed to collect debts in my state, including your license number and registered agent. 5. Documentation showing that you have the legal right to collect this alleged debt, whether by assignment or ownership. Until this information is provided, you must cease all collection activities, including reporting or verifying this debt to credit reporting agencies, as doing so would violate the FDCPA. Please send all correspondence to the address listed above. I request that all future communications be in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, I sent a formal dispute letter via Certified Mail to Possible Financial regarding the validity of the account reporting on my credit file.XXXXFacts of the DisputeXXXXPossible Financial received this dispute on XXXX XXXX XXXX  (USPS Certified Mail Tracking XXXX XXXX XXXX XXXX XXXX XXXXMy letter explicitly stated: "I dispute the validity of this debt and any part of it" and requested a copy of the original contract and payment history to verify the balance.XXXXThe Violation: Despite receiving this clear dispute, Possible Financial failed to respond or provide any of the requested documentation. Instead, on XXXX XXXX XXXX, they updated the account on my credit report as "Verified.XXXXSpecific FCRA Violations:XXXXFailure to Mark as Disputed: Under FCRA Section 623(a)(3), if a furnisher receives a dispute from a consumer, they must report the account as "Disputed" to the bureaus. Possible Financial failed to do thisXXXXFailure to Investigate: Under FCRA Section 623(a)(8) (Direct Dispute Rule), they were required to conduct a reasonable investigation and report the results to me within XXXX days. By verifying the account without providing the requested proof (contract/payment history), they have failed their statutory duty to investigate.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: Block, Inc.
State: MS

Complaint narrative:
In the year XXXX, my account with Cashapp was closed due to a " violation of company policy. '' On my defense, I did not break company policy rules. I tried several time asking for an explanation to why this decision was reach, but an explanation wasn't given. However, I was told through the cashapp chat to wait XXXX months and try accessing the app again. It's been nearly XXXX  years and I'm still unable to use cashapp. I am still receiving the same message saying that " my account is closed due to violations of company policy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one close my account and DO NOT GIVE MY MONEY BACK!!! I dont want to be their client, but return my money by check.they close my account and said they wont give my money back.this is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I requested to have my Account closed and Affirm has escalated to another Department for some reason. My Account has no active payments, have XXXX balance. I am getting pushback.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint against Affirm regarding their handling of a disputed XXXX purchase in the amount of {$880.00}. 

I canceled the order and the merchant failed to properly process the refund. I provided Affirm with extensive documentation, including email correspondence with XXXX and a formal XXXX complaint. Despite this, Affirm closed my dispute and stated that it lacked sufficient evidence, without contacting me for additional documentation and without providing any proof from XXXX that the charge was valid or that a refund was properly denied. 

This is my second dispute attempt, initially Affirmed sided with XXXX due to " XXXX Refund Policy '', however, I provided additional information to Affirm to prove that I was in fact within XXXX refund time frame. Affirm issued the same decision even after reviewing my evidence and seeing that the matter had been escalated through the XXXX. At no point was I given the opportunity to supplement the record or respond to what evidence was allegedly missing. Affirm also did not share what, if any, documentation they obtained from XXXX before ruling against me that than XXXX XXXX XXXX, which I proved I was within their time frame when they did the initial dispute investigation. 

I believe Affirm failed to conduct a reasonable investigation and improperly held me financially responsible for a charge resulting from merchant non-performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Re : MoneyLion Predatory Collection Practices I am writing to file a formal complaint against MoneyLion regarding their predatory lending and repayment practices. I have been unemployed since XX/XX/year> and have faced significant financial hardship. Recently, my bank account balance was $ XXXXfunds specifically transferred to purchase food for my XXXX children. 

Despite having no qualifying direct deposit or significant income entering the account, MoneyLion prioritized an automated {$10.00} " XXXX '' loan repayment, depleting my available balance to {$3.00}. This deduction was processed despite the obvious lack of funds, leaving my family without money for basic necessities. 

Additionally, I have been unable to deposit my backdated unemployment check via their mobile deposit feature due to processing " hiccups '' and delays, effectively trapping my funds while they continue to drain what little remains. Prioritizing loan repayment over a consumer 's ability to purchase food, especially when the account balance is critically low, is unethical and predatory. I am requesting an investigation into their repayment algorithms and consumer hardship protocols.

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 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, I paid {$25.00} for three meals at the XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I received only one full meal, several XXXX XXXX items, and three drinks, clearly not matching what I paid for when each drink should have had a meal. 

When I attempted to resolve this at the time of purchase : XXXX employees took my receipt while I was explaining what items were missing Refused to provide the missing food or issue a refund Refused to allow me to speak with a manager Refused to provide staff names Because of this, I could not provide a receipt when disputing the transaction with my bank. Despite this, I submitted a dispute to XXXX XXXX, which was denied, citing the lack of a receipt. 

I then contacted XXXX Customer Care, who sent my complaint to the restaurant for resolution. The restaurant manager offered replacement food, which I am not interested in. They have since ignored further communications regarding a refund. 

Please note : the person from the XXXX location in question is emailing from an email for a XXXX XXXX, while signing off as XXXX. I also did not respond for over three days to the XXXX Customer Care communication, as I was giving the location time to respond. Now, this matter is being escalated here. 

The only proper remedy is a full refund of the {$25.00} transaction. This is justified based on : Incomplete delivery of purchased goods Employee misconduct and mishandling of the situation Refusal to resolve the issue at the store level Failure to respond to Customer Care communications I request that Capital One issue a full refund of the {$25.00} to the original method of payment. I have attached my bank statement showing the charge, as well as copies of emails to XXXX regarding the incomplete order and Customer Care interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Negative account was placed on my credit report by a debt collector. 
EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX, Acct. No. Unknown Disputed debt with credit agency and credit agency informed me the account would remain on my report without any further explanation or validation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation