vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
My wallet and phone were stolen, including my Cash App debit card. I no longer have access to the phone number or email on the account. Cash App verified my identity sufficiently to open a new account and attempted to transfer funds but claims their system wont allow it. They also refuse to close the account or release funds to my bank, stating they can not close an account with a balance while simultaneously preventing me from accessing or zeroing the balance. This is an indefinite withholding of my funds with no remedy provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I write in my capacity as Senior Trustee of the XXXX XXXX XXXX XXXX XXXX regarding JPMorgan Chase Bank, XXXX unilateral and unlawful closure of the above-referenced trust account on XX/XX/year>, without prior notice, despite XXXX  confirmed receipt of a lawful deposit in the amount of XXXX XXXX XXXX XXXX Dollars ( {$250000.00} ) on XX/XX/year> at XXXX XXXX, delivered to JPMorgan Chase Bank , National Association XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX per XXXX Tracking No. XXXX. 
This correspondence constitutes formal notice of breach, wrongful dishonor, demand for cure, demand for reinstatement, and demand for cessation and deletion of unauthorized data sharing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
I obtained an unsecured installment loan from XXXX XXXX XXXX XXXX. Servicing of my loan was later transferred to Concord XXXX. 

My required monthly payment is {$380.00}. XXXX allows 15 days of no late fees ( grace period ) after loans are due. My loan is due the XXXX of each month. In XX/XX/year>, Concord credited only {$380.00} to my account instead of the full {$380.00}, leaving an unpaid balance of {$0.00} due to a payment posting/system error. 

Instead of clearly notifying me of the {$0.00} balance and allowing me to cure it, Concord assessed a late fee of approximately {$20.00} in XXXX. The remaining {$0.00} was then rolled forward, resulting in additional late fees in subsequent months - fee farming. 

XXXX XXXX XXXX continues to display only the standard monthly payment amount and does not clearly show the accumulating fee balance. This is misleading and prevents me from understanding my true account status. 

Concord does not send out mailed statements, XXXX  XXXX XXXX sends them for them but they do not match amounts, information or status of account. Also misleading the customer creating difficulty when attempting to reconcile the account. 

I have requested explanations and an itemized fee breakdown, but Concord has not provided clear documentation showing how the fees were calculated or why their portal does not reflect the true amount due. Their portal has a tab for 'Contact Us ' but it goes unanswered. They do not contact customers at all! These problems are not new. 

This practice appears designed to keep consumers confused and generate repeated late fees over minimal balances caused by Concord XXXX  inefficient and irresponsible way of handling servicing of loans. 

In summary : * Deceptive servicing practices * Incorrect amount reported due / billing errors * Misleading payment portal * Fees or interest - fee farming * Payment processing / posting problem * Misleading or confusing information * Trouble getting information / customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I guess at some point in the end of XXXX I had applied for a speedy cash loan was approved and it was put in my account I didn't know that called me for a payment I had been laid off at the current point so I couldn't pay them anything until I started working and now that I'm working I went to go make a payment this morning when I got my check and found that they pulled {$380.00} out for a monthly {$120.00} payment and it hasn't even been a month yet because the loan was granted on XX/XX/XXXX it is XX/XX/XXXX it hasn't even been a month yet and they pulled {$380.00} from my account. I have called customer service I got transferred XXXX different times now I'm waiting for a phone call from a supervisor that is going to try and fix the issue but I doubt it. I have tried to call my bank they are not open yet, but I did not authorize speedy Cash to pull {$380.00} for my account wiping out my entire paycheck and taking money from me and my kids so I could get us food for the week I don't get any assistance from the state I get nothing I do everything on my own with my wife. They wiped out an entire paycheck for a week that I needed to pay other bills and get food for my family and it seems they've refused to do anything about it I need that money today I can't wait till the XXXX like they tell me I need to I have things to do I can't wait and they don't want to do anything about it. I'm putting in this complaint to get the problem solved and to help stop it from happening to others cuz the loan was for a small amount and now it's showing I owe {$850.00} and that's not the case.

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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/25 {$610.00} charge at XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Charge at XXXX XXXX XXXX XXXX XXXX Both charges we made while card was in my possession at all times. 

Charges were made at multiple locations though I have time stamp specific to other charges that I made and are valid on the same card at an alternate location. 

Each above referenced fraudulent charges were each given different explanations for our fraud denial, inconsistent and to be honest sloppy. It would appear this has not been properly investigated by card company JetBlue Barclays. 

Each of the letters submitted by Barclays references different accounts creating confusion and further confirming our concerns related to review of this file adequately.

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 — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My vehicle was repossessed by a company hired by Capital One Auto Finance. The repossession occurred on Friday, XX/XX/XXXX at approximately XXXX XXXX  and involved illegal entry into a secured, restricted-access residential garage at my apartment building, The XXXX in XXXX, Connecticut. 

The garage is private and requires a resident parking pass/fob for entry. It is not open to the public. Building management reviewed security footage and confirmed in writing that the repossession agent entered the garage without authorization by improperly accessing the garage through the exit. No permission was granted by building management for the repossession company to enter the garage, and the incident was captured on video, which I have retained. 

Under Connecticut XXXX XXXX XXXX, a repossession may only occur if it can be completed without breach of the peace. Unauthorized entry into a secured residential garage constitutes a breach of the peace and renders the repossession improper and unlawful. 

Although the repossession has already been reported on my credit, I am formally disputing the accuracy of that reporting because it is based on an improper repossession that involved unlawful entry into private, secured property. 

I am requesting CFPB assistance to ensure that Capital One Auto Finance : Conducts a full investigation into the unlawful conduct of its contracted repossession agent Waives all repossession-related, towing, and storage fees Places the account on hold while the investigation is pending Provides a reinstatement option without penalty Corrects or removes any negative credit reporting related to this improper repossession Video evidence and written confirmation from building management are available and can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
FORMAL DISPUTE OF FRAUDULENT XXXX XXXX LOAN INFORMATION : - Mosaic Original Loan Number : XXXX - Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - Property Owner : XXXX XXXX - Loan Signatory : XXXX XXXX - Current Servicing Company : XXXX XXXX XXXX ( Claims XXXX for XXXX XXXX, XXXX - Bankruptcy Case No. XXXX ) FRAUD DETAILS : I am being forced to pay for a solar installation that was NEVER performed. I have official government documentation from the XXXX XXXX XXXX XXXX Department proving that the municipal permit ( XXXX ) for the solar installation was OFFICIALLY CANCELLED with the stated reason : " The contractor did not perform any work. '' This means XXXX financed a transaction for services that were never rendered, constituting fraud in the inducement. 

OFFICIAL EVIDENCE : I possess an official notification document from the XXXX XXXX XXXX XXXX Department ( Permit Clerk XXXX XXXX ) certifying the permit cancellation due to the contractor 's failure to perform ANY work. This document will be attached as conclusive evidence. 

CURRENT SITUATION : - Mosaic is now in bankruptcy ( Case XXXX ) - XXXX XXXX XXXXXXXX is currently attempting to collect on this fraudulent debt- I continue to receive billing statements for work that government records prove was never completed - This debt was incurred through fraud and should never have been originated PREVIOUS ATTEMPTS TO RESOLVE : I have sent formal written dispute notices to both XXXX  and XXXX XXXX XXXX XXXX providing them with the official government documentation. They have not adequately responded or resolved this fraudulent debt. 

REQUESTED RESOLUTION : XXXX. Immediate cancellation of the entire debt ( Loan # XXXX ) and reduction of balance to {$0.00} XXXX. Removal of all tradelines and negative credit reporting associated with this account from all consumer reporting agencies XXXX. Cease all collection activity related to this fraudulent loan XXXX. Written confirmation of debt cancellation and credit bureau deletions XXXX. Refund of any payments made toward this fraudulent loan This is a clear case of fraud where a lender financed work that was never performed, as certified by official municipal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
The problem is with the original amount of the loan modification which the XXXX  XXXX XXXX stated that it was {$10000.00}, since that time, XXXX, XXXX, the total is incorrectly being reported as {$34000.00} which is being reflected in my payoff amount of my home and placed in my credit report. 
I sent a certified letter to the XXXX  XXXX XXXX disputing the amount and it was never adjusted. Back in XXXX, I filed a complaint against them with the consumer financial protection bureau. Please check my file. It was with your assistance that they responded and negatively added charges increasing the amount to {$34000.00} which is incorrect. Property Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Current mailing address - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX C ) XXXX - ( Email ) XXXXXXXX XXXX XXXXXXXX The Mortgage servicer is Shellpoint XXXX  XXXX  dba Newrez Acct XXXX XXXXXXXX

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NEW IMAGITAS, INC
State: VA

Complaint narrative:
Hello, This complaint is not about a single refinance transaction. 
It concerns misleading marketing and unauthorized lead distribution related to mortgage refinance advertising. 

I am filing a complaint regarding Bankrates mortgage refinance lead practices, which I accessed through XXXX official credit report platform. 

While reviewing my personal credit report on XXXX, I was presented with built-in refinance options that appeared to be part of a trusted credit reporting environment. Based on this context, I reasonably believed I was requesting limited, compliant refinance quotes not consenting to broad third-party marketing outreach. 

After submitting my information and selecting only a small number of lenders, my phone number was immediately shared with numerous third-party mortgage brokers. Since then, I have been receiving dozens of unsolicited marketing calls, voicemails, and emails daily. Some third-party mortgage brokers who obtained my information have continued aggressive calling practices, further demonstrating the lack of effective control once consumer data is distributed. 

XXXX does not provide a clear or effective opt-out mechanism for phone-based marketing, and their opt-out tools are limited to email only- I still receive dozens daily even if I " opt-out '' and asked them to NOT share my information. Once consumer information is distributed, there appears to be no meaningful way to stop further contact. 

I believe this practice is misleading, particularly given that it was embedded within a XXXX  credit-reporting interface, which carries an expectation of privacy and limited use of personal data. I did not knowingly consent to my phone number being sold or distributed for mass telemarketing purposes. 

I am requesting that this complaint be reviewed for deceptive or unfair marketing practices, and that XXXX be required to provide transparent disclosures and effective opt-out options for phone-based solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
VCFS and XXXX are reporting and collecting an alleged ~ {$29000.00} auto lease balance as charged off/bad debt, and XXXX  shows XXXX repossession. I dispute the balance and the repo/charge-off characterizations as inaccurate/misleading and not supported by a complete accounting/disposition record. I request : ( XXXX ) immediate suspension of collection pending investigation ; ( XXXX ) full validation and itemized accounting including disposition/sale proceeds and credits ; ( XXXX ) disclosure of XXXX XXXX XXXX furnished and proper dispute coding/investigation under FCRA ; and ( XXXX ) deletion/correction across XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Old Republic National Title Holding Co.
State: DC

Complaint narrative:
The property was sold on XX/XX/year>. Following the sale, escrow funds related to a HUD partial claim/second lien have been withheld by the title/escrow company.

HUD has provided written authorization confirming that no additional payoff or satisfaction documentation is issued beyond their email confirmation. The loan servicer ( XXXX XXXX ) has confirmed that no further funds will be applied and that no additional written payoff or satisfaction documents exist beyond what has already been provided. 
Despite this, the title/escrow company is refusing to initiate payoff to HUD or release the escrow funds, requiring written payoff and lien satisfaction documents that HUD and the servicer have confirmed do not exist. The escrow company has stated it can not proceed without these documents and continues to withhold funds based on underwriting requirements rather than statutory necessity. 
I have made repeated good-faith efforts to resolve this directly with the escrow company, HUD, and the loan servicer, but the issue remains unresolved, resulting in an indefinite delay in releasing escrow funds.

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: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NH

Complaint narrative:
I am submitting this complaint regarding Avant XXXX refusal to waive a late fee that was assessed while I was hospitalized due to a serious medical emergency. 

My payment due on XX/XX/year> was missed solely because I was admitted to the hospital and medically incapacitated at the time. I contacted Avant XXXX to explain the situation and requested a one-time goodwill waiver of the {$25.00} late fee. Despite being informed of the medical circumstances, Avant XXXX stated that no exception could be made and refused to escalate the matter. 

While Avant XXXX cites the cardmember agreement, I am concerned that the company offers no discretionary review, goodwill consideration, or escalation process for customers experiencing documented medical emergencies. This raises concerns about fair treatment and customer hardship handling. 

I am requesting : A waiver of the {$25.00} late fee as a goodwill adjustment, and Clarification of Avant XXXX policy regarding medical hardship and emergency situations. 

I believe this matter warrants review, as the fee was not the result of neglect but of medical hospitalization beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX XXXX, started to charge me more than 32 % after promotional period finished on XX/XX/year>, additional they charged {$1600.00} XXXX time as soon as the promotional period finished. 
In accordance with the Fair Credit Billing Act ( 15 U.S. Code 1666 ), I am exercising my right to dispute these charges and request the following actions : XXXX. A full breakdown of how interest has been calculated on my account since inception. 
XXXX. A review and adjustment of any interest charges deemed excessive or improperly applied. 
XXXX. A refund of any overcharged interest amounts ( {$1600.00} ). 
XXXX. A written response within XXXX  days, as required by federal law. 
I have attempted to resolve this matter directly with your customer service team, I will be waiting your response for more than XXXX  days ( under the law ). Without any response, at all.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CO

Complaint narrative:
This collector has called me so many times daily, mailed me letter after letter, threatened to sue me. However I will not be paying this since it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: GA

Complaint narrative:
I received multiple text messages from ARS ( e.g., on XX/XX/year> at XXXX XXXX, and recent messages around XXXX XXXX ), referencing the " XXXX XXXX, XXXX. '' account, directing me to call XXXX, visit XXXX, or chat via XXXX XXXX XXXXXXXX for resolution/payment solutions. These indicate ARS is collecting/reporting this debt without my authorization or verified liability. 
The underlying account has conflicting personal identifiers and lacks documentary proof of authorization, identity linkage, agreement, or lawful liability ( as detailed in my XXXX XXXX dispute ). No validation or proof has been provided by ARS. Continued collection and any reporting by ARS is improper under FCRA ( furnisher obligations ) and FDCPA ( validation requirements ). 
This is causing harm to my credit profile and financial stress. I request CFPB forward to ARS for investigation : provide full validation/proof ( assignment from XXXX XXXX, original docs, my liability/identity linkage ) or cease all collection/reporting, delete/remove from credit reports, and send confirmation.

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: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
It occurred using the Care Credit card which began a year ago. There was an option of a XXXX XXXX XXXX fee which occurred monthly unbeknown by myself. I called customer service and I was told that I agreed to this fee on the application. It was not included with the payment or listed as part of the payment in the email which informed me of the amount due for that month. The amount ranged from {$110.00} to {$160.00} for the XXXX months that I have access to on the website. It was listed as completed on the XXXX Bank XXXX XXXX, and as mentioned it was not listed in the payment email. I had to click on the Dispute a Transaction link before a list of my payments was on the screen and I was able to view information about my payments. I only had the card for a year to pay for cosmetic XXXX I had performed on me. On XXXX there was an interest charge on purchases for {$2400.00} that I did not know about until I accessed the mentioned page. The interest charge and the XXXX XXXX XXXX were all just added to the amount owed for which I had no knowledge about.

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