vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: Lendbuzz Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I entered into a vehicle financing transaction involving a XXXX XXXX XXXX. During the transaction, I was not provided access to certain documents at the time of signing, including the Buyers Order and Apex-related documentation. Concerns later arose regarding add-on products, disclosures, and charges that I do not recall authorizing or fully reviewing prior to execution of the agreement. On XX/XX/XXXX, I formally requested a complete copy of all documents relating to the transaction, including financing records, disclosures, add-on agreements, cancellation records, and related dealership documentation. Only limited records were provided, and my request for the complete transaction file was not fulfilled. On XX/XX/XXXX, I met with dealership representatives, including the finance manager involved in finalizing the transaction. During that meeting, I raised concerns regarding the financing process, missing documentation, and disputed charges. I was informed that because a significant amount of time had passed since the transaction, the dealership would not make adjustments or provide a resolution. Since that time, multiple notices and written communications have been sent to the dealership and financing company requesting investigation, clarification, and resolution of the disputed matters. I have also requested documentation necessary to assist with the handling and repair/release of the vehicle through the insurance process. As a result of the ongoing dispute and delays, I have experienced significant transportation and financial hardship. I am requesting a formal review of the transaction, production of all relevant records, and assistance in resolving the vehicle and insurance-related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Lendgo, Inc.
State: LA

Complaint narrative:
I am in the business and a company is blatently advertising non existent terms.... even on a 15 year fixed lowest rate with no points is around XXXX and they are flat out lying to consumers via XXXX ads offering XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
I try to get loan from landing tree the guy Jordans that was trying to help me get me loan scam me for {$500.00} he deposit XXXX in my account saying they need a gift card for XXXX for two cards saying they need the money so they could deposit {$5000.00} into my account But he sent XXXX into my account didnt go thru only scam me of {$500.00} I try to call and ask my money back only he text me XXXX you XXXX ( XXXX ) XXXX Thats he number from landing tree file : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am submitting a formal complaint regarding the handling of my mortgage escrow account following the transfer of servicing from XXXX to XXXXLoanCare. The transfer was completed in XX/XX/XXXX. Prior to the transfer, I received notice of an escrow shortage of {$800.00}. I attempted to resolve this shortage with XXXX ; however, I was informed the loan was already in the process of being transferred and that the matter would need to be reviewed by the new servicer. On XX/XX/XXXX, I received an email confirming the transfer was complete and that full account visibility would be available by XX/XX/XXXX. After XX/XX/XXXX, I made my first call to XXXXLoanCare to inquire about the escrow shortage. I was told that the loan was still onboarding, they could not yet see all loan details, and I should call back. This occurred again in XX/XX/XXXX, with no resolution. In XX/XX/XXXX, I received a new notice from XXXXLoanCare stating that my escrow shortage had increased to {$2200.00}. After contacting the XXXX XXXX XXXX XXXX XXXX, I learned that XXXXLoanCare had overpaid my XXXX property taxes by {$1400.00}. The XXXX XXXX has since issued a refund for this overpayment. This overpayment, combined with the lack of timely correction, directly contributed to the increased escrow shortagean issue XXXXLoanCare has not acknowledged. I uploaded the correct XXXX tax bill to the XXXXLoanCare online portal and requested that the tax amount be corrected and that an outofcycle escrow analysis be completed to determine the accurate shortage. I have made multiple attempts to resolve this matter beginning in XXXX of XXXX through current date. On XX/XX/XXXX, I spoke with an Intake associate, XXXX, who stated that my case would be assigned to a Case Manager and that I would be contacted within XXXX business days. As of XX/XX/XXXX, I have received no communication and no resolution regarding the corrected tax amount or the escrow shortage. Because these corrections have not been made, my monthly mortgage payment has increased significantly compared to when I purchased my home in XX/XX/XXXX. I am requesting immediate review, correction of the XXXX tax amount, a proper escrow reanalysis, and written documentation reflecting the accurate escrow balance, shortage, and monthly payment.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.

Complaint narrative:
My business account associated with XXXX XXXX and email XXXX was closed XXXX month ago. Despite multiple follow-ups, I have received no operational update or timeline regarding the release of my corporate funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
so this truck was not repo it was turn in voluntary and they said and promise not to come at me with any extra charge, also they kept some of my tool without letting me know it was going to the auction. this company is so unlawful as well as we came to an agreement and balance was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nationwide Capital Services, LLC
State: NC

Complaint narrative:
XXXX shows up on caller ID XXXX every Wednesday for last month. When I answered it the first time they said they were from structured settlement and I owed a debt and if I didn't pay it now they were going to send sheriff deputy to arrest me. They called my work phone XXXX then my cell phone XXXX I told them twice to cease and desist and to mail me proof of what they say I owe and to whom. Now last 2 times they leave a message saying they need to confirm a withdrawal from my checking account that someone has requested to pay the debt. The number they say to call is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 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: MoneyLion Inc.
State: AZ

Complaint narrative:
I am filing a complaint against MoneyLion and XXXX, XXXX ( Account XXXX ) regarding unauthorized withdrawals and a fraudulent loan. On XX/XX/year>, a total of {$1000.00} was removed from my brokerage account without my authorization. This consisted of a {$900.00} ACH disbursement and a {$91.00} journal transfer. MoneyLion claims these funds were used to pay off a 'Credit Builder Loan, ' but I have never applied for, signed, or authorized any loan product with this company. Furthermore, the {$900.00} transaction is labeled as 'null ' on my official statement, indicating a lack of proper documentation for the transfer destination. I request a full refund of my {$1000.00} and a formal investigation into these unauthorized credit products. ''

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 2026-06-01 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: Net Pay Advance, Inc.
State: OH

Complaint narrative:
I feel as though Net Pay Advance has been taking advantage of me. I had a payment plan with them. On XXXX I made what I thought was my final payment, even said so on their website. However, as soon as I paid the {$50.00}, another amount came through for {$140.00}. When asked what this was for, they told me it was from a loan back in just of XXXX. They said the payment got returned. When I asked for proof of either the loan or the returned payment, they could not provide either XXXX of them. XXXX is who I spoke with via email. Instead of offering proof, she fought with me. They also double charged my card for the {$50.00} that was due for the original loan payment plan. This was taken out of XX/XX/year>. It was only supposed to be XXXX payment. When I asked for XXXX of them to be returned to me, XXXX fought with me again, stating it was part of the loan agreement. I did not authorize them to pull a double payment out of my account. So they have this double payment, and the {$140.00}, and they can provide proof for neither

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Wrongful repossession. Caught a tow truck on my private property trying to tow/repossess my leased vehicle. Told them to stop before the tow or repossession was complete. The tow truck driver/company called the police to assist in the non-judicial repossession when the complainant, the owner of the private property where the subject vehicle was parked, blocked the tow driver from trespassing and or completing the tow/repossession. The tow truck driver did not leave the complainant 's private property when he was stopped from further trespassing and instruct the leasing company to get a court order as required. Whether through improper influence or corruption, the police, XXXX, helped the tow company truck driver working for their leasing company 's servicer perform the illegal repossession by assaulting, falsely arresting and physically removing from his own private property. Additional information provided by consumer : XXXX Additional information [ XXXX ] provided by consumer on [ XX/XX/year>, XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
In XX/XX/year>, an XXXX sales agent named XXXX XXXX ( Rep ID XXXX ) visited my business and verbally promised there would be no cancellation fees if I returned the equipment. She collected my email address and used it to generate electronic signatures on 4 separate documents through XXXX all signed at the exact same second, XXXX XXXX on XX/XX/year> which is physically impossible for any human to do. I never saw, reviewed, or authorized these signatures. I already owned an identical XXXX device and never would have agreed to lease another one for {$4300.00} over 48 months. The agent also coached me on exactly what to say during a verification call without disclosing I was confirming a 48-month non-cancelable lease. XXXX XXXX XXXX XXXX then sent this fraudulent debt to Northstar Location Services LLC for collection despite my active written dispute. Northstar continues calling me despite never validating the debt. The FTC previously sued XXXX XXXX for the same pattern of fraud in Case XXXX. I am requesting full investigation, cancellation of all balances, immediate recall of debt from Northstar, and removal of any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC
State: NC

Complaint narrative:
I requested a loan fromXX/XX/XXXXr {$200.00}. They gave me no options to pay and railroaded my account into collections due to non payment. Then they increased the fees and charges. Now a XXXX party has purchased my credit and also increased my charges to {$660.00}. These charges are not my responsibility as this is illegal. This has grossly affected my XXXXXX/XX/XXXXas been payed by a XXXX party company and now trying to coerce me into contracting with this XXXX party. I will not contract. I want this collection removed from my credit report and actions taken againstXX/XX/XXXX and P & B Capital Group LLC for unethical lending, false contracting and coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: MO

Complaint narrative:
I wasnt contacted to settle loan that was in default now im being sued witXXXX XXXX XXXX XXXXterest that is predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation
State: TX

Complaint narrative:
On Monday XX/XX/XXXX, around XXXXpm - XXXX was notified by a friend of mine that he contacted someone at Penn Credit about a collection debt in my name. The representative over the phone released all my information to him and also discussed the status of my account with them. I did not authorize the company to speak to him nor release my information to this individual.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/year>2026 I purchased a piece of equipment from XXXX XXXX using a PayPal account that is directly connected to my checking account. After initial correspondence with XXXX XXXX and a time for delivery given by them, I had reached back out to XXXX XXXX to see if my equipment had been shipped because I hadn't received it. After finding bad email and addresses, I had finally used the email that the original correspondence had used and had found a phone number on it as well. I had finally contacted someone and was promised shipping and a tracking number. As of XX/XX/XXXX of 2026 I have not received anything and correspondence has stopped. I reach out to PayPal and my claim for a refund was denied. I appealed to PayPal and I was again denied. As of now I have paid {$3100.00} dollars for a piece of equipment and not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: VA

Complaint narrative:
I am filing this complaint regarding ongoing account access restrictions imposed by Kraken ( stock and trading at Kraken.com ) and the companys failure to provide meaningful customer support or a clear explanation for these actions. For over a week, my Kraken account has been restricted/limited, preventing me from fully accessing services associated with my account. Despite multiple attempts to contact customer support and request clarification, I have only received vague or automated responses that do not meaningfully address the issue or provide a timeline for resolution. Kraken has not clearly explained : The specific reason my account was restricted Whether the restriction is temporary or permanent What steps are required to restore full access Whether my funds or transactions are impacted When I can expect a final resolution Restricting account access without a clear explanation or effective support process creates unnecessary financial uncertainty and undermines customer trust. My request for assistance from Kraken.com continue to be routed through automated systems without substantive assistance or escalation to a qualified representative. The company appears to be engaging in misleading business practices by framing account restrictions and withheld funds as customer protection measures. Based on numerous customer reviews and XXXX discussions, this does not appear to be an isolated incident. There is a consistent pattern of account restrictions, limited access to funds, delayed resolutions, and ineffective customer support. Relevant Information to my particular account : Kraken Account Email : XXXX ] Date Restriction Began : XX/XX/XXXX ( estimated ) Support Ticket Numbers : XXXX and XXXX Description of Restriction : can not remove funds from the account. Please review the company for possibly conducting deceptive practices with their financial service.

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