vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My car was repossessed on this summer, XXXX of XXXX. And when it was repossessed, I had lots of things inside my car, I had a laptop, a XXXX XXXX that was about {$4500.00}. I had some XXXX equipment in there. That was around {$2000.00}. I had a subwoofer in there with an amplifier that was worth several {$1000.00}. And I had a radar detector in there that was worth {$400.00}. And all my clothing was in there. And my glasses were in there. And I feel like maybe that was it. But good morning got repossessed. It was taken to the toeyard in XXXX. Um, I was XXXX XXXX, so I wasn't able to pay the car payment.And that's why I got repossessed when I got out I paid the amount.That was due, which was XXXX. I was looking to get somebody with a car and a valid Driver 's license to come. Help me get the car because they wouldn't release it to me. Without apparent Driver 's license, which I did not have at the time. But anyways, it took me a few months to get that situated. But after I paid the initial {$2900.00}. I was then charged another repossession fee of {$250.00} with another {$15.00}. Added on and another {$14.00} and another {$15.00}. Um, the car was still at the it's auction yard. So I was unsure as to why I was getting charged more repossession fees. Um, I paid off the due balance and you know they didn't send me anything in a mail saying that I would be getting charged multiple repossession fees.I never got a printout or anything from them about any kind of payments.They sent me a letter telling me how much I owed, which was the XXXX. But that was it. So, after that, in XXXX i was cuarged more repossession fees of XXXX. And then in XXXX there was another reposession fee of XXXX. Um, I did not get why I was getting charged every month for a repossession when I hadn't even gotten the car out of the auction yard yet.. Then, in XXXX the more repossession fees of XXXX. I've had called the multiple times asking. How come I was getting charged? Multiple repossession fees every month. When I hadn't even gotten the car out yet. It may no sense to me. I he wasn't told that I owed all these extra repossession fees. I got the letter stating that I owed the initial XXXX. If I knew that I was gon na owe another XXXX XXXX XXXX XXXX .You are XXXX XXXX dollars.I might not have gotten the car out of the auction yard. Song during all that I just feel like i'm just getting scammed or taken advantage of or they're just gon na keep charging me repossession fees until I pay the car off which is ridiculous. Also, when my car is repossessed, my things were stolen out of my car and when I got the car out of the auction yard, all my windows were down and there was a brand new key maid. There was inside of the hood, and everything was stolen out of my car. And the repo yard, the auction yard, and the tell yard.They all nobody could tell me what happened to my stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I entered into financing agreements through XXXX for laser hair removal services with XXXX. The financing was split into XXXX separate accounts totaling approximately {$5900.00} ( {$5400.00} and {$490.00} ) not including interest. The agreements and treatment documentation explicitly stated that the services purchased were unlimited/lifetime laser hair removal services, with treatments continuing until approximately 85 % hair removal was achieved. Between XX/XX/XXXX and early XXXX, I completed approximately XXXX treatment sessions, generally scheduled every XXXX weeks. The provider then permanently closed without notice to consumers, making it impossible for me to continue or complete the contracted services. The provider became unreachable, which is the basis of this dispute. On XX/XX/XXXX, I submitted a dispute through XXXX requesting cancellation of the remaining balance and reimbursement for prepaid services that could no longer be rendered due to the providers closure. I provided documentation showing that the provider had permanently closed and was unreachable, along with copies of my contracts and treatment documentation reflecting unlimited/lifetime services. On XX/XX/XXXX, XXXX issued partial refunds of approximately {$1900.00} and {$380.00}. However, XXXX advised that its determination was based on an internal assumption that unlimited services equate to approximately XXXX laser hair removal sessions. This limitation was never disclosed to me, was not written anywhere in my contract, and directly contradicts the express language of the agreement describing the services as unlimited and lifetime in nature. I escalated the dispute and submitted additional documentation again confirming that the services purchased were unlimited/lifetime treatments intended to continue until approximately 85 % hair removal was achieved. Despite this, XXXX continued relying on the undisclosed XXXX treatment valuation method while declining to fully address the written terms of the agreement I provided. XXXX is currently continuing to hold an active balance of approximately {$310.00} on the account despite the providers inability to fulfill the contracted services. I do not believe it is fair or reasonable to hold consumers financially responsible for services that became impossible to complete due to the provider permanently ceasing operations. Had I known the provider would abruptly close and fail to fulfill the unlimited/lifetime services promised under the agreement, I would not have entered into these financing agreements through XXXX. I am requesting a full refund of all amounts paid and closure of the remaining balance associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I ordered a XXXX XXXX using PayPal. XXXX shipped a broken unit and refused to refund it. PayPal told me to send it back and then they would consider a dispute. PayPal provided the shipping label. I shipped the XXXX as PayPal instructed and provided the tracking number. PayPal stated in writing that they received the tracking number. Then today they closed my case stating it is because they never received the tracking number. It is clear that my case was closed based on a lie. Please help see the two screenshots and it becomes clear that my case was closed based on a lie

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 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: NV

Complaint narrative:
I am filing this complaint regarding Mandarich Law Group, LLPs collection activity on XXXX XXXX. XXXX for XXXX XXXX XXXX XXXX XXXX, alleged original creditor XXXXXXXX XXXX, account ending XXXX. I timely disputed the alleged debt and requested validation/documentation. My written dispute was sent by certified mail, and XXXX tracking shows it was picked up in XXXXXXXX XXXX on XX/XX/year>. Despite the account being disputed and despite unresolved documentation issues, Mandarich sent a Notice of Intention to Sue dated XX/XX/year>. The envelope was postmarked XX/XX/year>, and I received it on or about XX/XX/year>. The letter threatened suit within ten days of the letter date, giving me only a limited period of actual notice. The account remains disputed. The materials provided appear to consist primarily of account statements and do not fully resolve the disputed issues, including complete historical payment accounting, prior XXXX payment arrangements, chain of assignment/ownership, standing to collect, legal liability, the date of last payment/default, and reconciliation of the claimed balance. I also have other XXXX accounts with payment arrangements, and I requested clarification as to why this account was separated from or excluded from any existing arrangement. I am requesting that Mandarich and XXXX : XXXX. Confirm in writing that the account is coded as disputed ; XXXX. Provide complete documentation of ownership, standing, payment history, and balance calculation ; XXXX. Explain why a lawsuit-threat letter was sent after my prior dispute was received ; XXXX. Confirm whether legal collection activity will be suspended while these disputed issues are reviewed ; XXXX. Communicate only in writing. I do not admit liability, acknowledge the alleged debt, promise payment, reaffirm any obligation, or waive any rights or defenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They keep contacting me about debts that are way past XXXX XXXX XXXX. Repeatedly each week I receive phone calls and emails. From multiple different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: Chime Financial Inc
State: IL

Complaint narrative:
This complaint concerns repeated misclassification and improper handling of a credit card dispute regarding prepaid hotel services that were never received. I physically arrived at the hotel and attempted to check in, but I was denied access due to an undisclosed mandatory deposit requirement that was not disclosed during booking. No hotel services were received. Despite repeated clarifications and supporting documentation, Chime repeatedly changed the classification of my dispute while continuing to deny the claim. The same dispute was categorized multiple different ways, including : - Non-Receipt of Goods or Services - Goods and Services Was Cancelled - Goods/Services Not As Described

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I am filing a complaint against XXXX, XXXX. regarding a XXXX virtual Visa reward card managed by InComm. In XX/XX/XXXX, the card was placed " ON HOLD '' due to an automated security flag when I accessed the reward portal while traveling. I immediately contacted customer service, and was told the account would be closed and the remaining {$150.00} balance would be mailed to me via a physical check. I was issued Case Number XXXX. The promised check was never sent. When I contacted the company to follow up, I was informed that the case had been closed and they refused to assist me or reissue the funds, claiming I had to contact the insurance issuer. Meanwhile, because the company failed to issue the refund check, the card passed its 12-month mark. XXXX/InComm is now actively drawing down my trapped balance by deducting a {$2.00} monthly " Service Fee '' ( deductions occurred on XX/XX/XXXX and XX/XX/XXXX ) while keeping the account locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently had an account with bank Of America. Finally was able to get it approved. After having my account I received a wire of {$19000.00}. I was contacted by a family member and said I would be receiving a wire from XXXX XXXX for {$19000.00} for funeral expenses to cover the cost of a recent passing of a family member. I received this wire and then a week or so later my account was frozen including all my funds and I was told the wire was reported as fraudulent. I feel that the results of this wire been received by me. 1. Getting my accounts closed. 2. Freezing my funds and 3. Being reported for wire fraud. Is unfair and unjust to me. As I was only trying to be helpful. I didnt initiate the wire or ask for it. So for me to be punished is absolutely wrong. When I requested more information I was told that I have to wait for an investigation. I received a letter stating that no funds would be sent to me. This is totally absurd and I would've never agreed to accept the wire if I knew this was the result. I was also told by stepping into a branch that I would have to wait 7 years to bank with Bank of America again. Which is wrong as I am not to blame.

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 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AL

Complaint narrative:
I requested that validation in XXXX of 2026 and not heard back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) I am filing a formal complaint against Capital One Financial Corporation regarding an improperly reinstated hotel charge processed through Capital One XXXX. On XX/XX/year>, I booked a hotel reservation at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX ( confirmation XXXX ). Within minutes of booking, I identified a significant booking error and immediately canceled the reservation. I never checked in, never used, and never received any hotel services. The hotel confirmed by phone that no reservation was ever received from Capital One, indicating the booking was not transmitted or was otherwise never successfully processed into the hotels system. Despite this, I was charged for the booking. I disputed the charge under case # XXXX, and Capital One initially resolved the dispute in my favor. However, Capital One later reversed that resolution and re-applied the same charge to my account without any new transaction, authorization, or evidence of service delivery. This constitutes : * Billing for a service that was never rendered * Reinstatement of a charge after dispute resolution without justification * Inconsistent and unexplained dispute handling * Continued financial liability for a canceled, unused reservation # # # Requested Resolution I request immediate removal of the charge and correction of Capital Ones account records to reflect that : * The reservation was canceled within minutes * No hotel service was ever delivered or received * The merchant confirmed no reservation existed in their system I also request review of Capital Ones dispute reversal process to ensure consumers are not re-billed after favorable dispute determinations without new evidence or authorization. I am seeking only accurate billing and enforcement of consumer protection standards. Sincerely, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Timothy M. Sullivan
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from a attorney XXXX and XXXX saying the representative company by the name of XXXX XXXX XXXX XXXX saying that the company XXXX XXXX XXXX XXXX had bought a debt that I owed to a XXXX receivables and I had XX/XX/XXXX days to dispute it which I did on the attorneys website. I never got any response. I tried calling them several times they hung up on me XXXX times. I am not the only XXXX if you go on XXXX you will see XXXX and XXXX in XXXX Florida under there lowest reviews several people have waited on the phone and get hung up on nevertheless after not receiving any response from them sure enough I went on the county website and they filed a lawsuit against me. They did not give me any verification that I had asked for you will see an emails that I provide to you between me and a representative of the law firm. They acknowledge that they have not verified the debt as of XX/XX/XXXX. This is more than theXX/XX/XXXXdays they are required to it has caused me a lot of mental distress knowing this. Its like they forced a lawsuit because they know they dont have any verification that they need to provide me the consumer. I have filed a motion to dismiss the suit and have a court hearing XX/XX/year> this law firm purposely avoided me thinking I was not going to take action as a consumer. Theyve done it to several other people like I said earlier go look at the XXXX reviews and the lowest reviews youll be on the phone waiting only to get hung up after youre trying to get information that they are required to give you by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX Homeowner : XXXXXXXX XXXX XXXXXXXX The short sale package was marked complete and assigned to XXXX XXXX on XX/XX/XXXX. He has not responded to any of our emails. At one point XXXX XXXX, XXXX, ended up emailing us with an update. When we followed up requesting another update XXXX told us to not email her, as XXXX was the negotiator. XXXX did not ever respond to any emails we have sent him. As a result, we lost the buyer and had to look for a new one. On XXXX we submitted a new offer. On XX/XX/XXXX we called in for an update. There were no notes on the file so the representative put in a request for the negotiator to respond, as well as escalated this with the executive resolutions team. On XX/XX/XXXX I was told I am not authorized on the account. I have been talking to them since XXXX of XXXX with no previous issues. They claim they have an authorization on file but my name is not on it. It seems they have retaliated to the XX/XX/XXXX Escalation request by removing me as an Authorized Third Party. We have already lost one buyer due to UWMs lack of communication on the file. We are going on almost XXXX weeks with the new offer and this file is still not being worked on. Even UWMs representatives can not seem to motivate their negotiators to respond to us. We need the file moved forward appropriately and to receive appropriate communications from the negotiator regarding the status of the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Friday afternoon around XXXX I went to the Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX NY to make a withdrawal from my business account ( XXXX ) I was told by the teller that my account was freeze, when I asked why, she provided me with a phone number to call. At approximately XXXX minutes later around XXXX, I called the number the customer service representative refused to provide me with the reason the account was freeze, only stated that it was to verify some information. I filed a complaint with the bank, their protocol said that I must receive an answer within 24-48 hours or they will have to release my fund after 48 hours. on Monday at approximately XXXX which is over the 48 hours, I called customer service they refused to release my funds without given any credible reason for freezing the account, the bank has caused an unfair, unjust and illegal interruption of my business operations. I am asking for an investigation and for the bank to be fined, and compensate my company for the interruption. I am willing to cooperate or pursue legal actions against the bank if necessary.

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 2026-05-19 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: Westlake Services, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding Westlake Portfolio Managements handling of a dispute involving services not rendered by Byte ( XXXX XXXX XXXX ). I paid a total of {$2200.00} for Byte aligner treatment through financing serviced by Westlake. Byte has since confirmed that it ceased operations as of XX/XX/2026 and is no longer able to provide treatment, retainers, or ongoing support services. I made multiple documented attempts to resolve this matter directly with Byte. Communication was inconsistent, emails failed at times, and I was unable to obtain meaningful support after the company closure. Byte issued a partial refund of {$640.00} related to the Protection Plan, acknowledging that at least part of the purchased services remained unresolved. However, a remaining balance of {$1600.00} for services and support that can no longer be rendered remains outstanding. Westlake opened a Second Treatment Escalation and confirmed that : Byte had ceased operations My contact attempts were documented The partial refund had been issued The remaining unresolved amount was under review Despite this, Westlake ultimately denied further resolution solely based on Bytes statement that I was not eligible for a refund, without addressing : the companys closure, the inability to provide ongoing services, or the previously issued partial refund. I am requesting that this matter be independently reviewed as a services-not-rendered dispute and that appropriate consideration be given to the remaining unresolved balance of {$1600.00}. Sincerely, XXXX

Company response to consumer: Closed with explanation