vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was billed additional interest after I paid the total amount listed online and on my monthly statement to close out the card amount. I was told that the total amount due on the statement and online did not include trailing interest, and that I would not know this trailing interest was due until the next billing cycle. I needed to pay the total amount due by the billing cycle and not the due date in order to not accrue more interest which was explained to me not clearly listed on the bill and that I would need to call for this information and that it was not listed on the statement that I would need to call to get the total amount due. I then asked for the full amount due to pay off the card today and was told that information could not be provided until it was paid off again this is now an attempt to continue to collect interest on a balance that is trying to be paid in full and being paid as listed. Im being referred to a change in terms that was sent out months ago, however was also being told directly that my monthly statement nor my online account had a calculation of what would be due for interest or on what date it just wouldnt be the due date. Deceptive business practice.

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 2026-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
In XX/XX/XXXX XXXX XXXX salesman misrepresented the Mosiac solar contract he sold me saying I would not have an electric bill and would get XXXX XXXX rebate check at the end of the year. He showed me charts & made scary predictions of how energy cost would increase exponentially & how much money could save as I planned for retirement. XXXX XXXX sales pitch was a lie, and come to find is a predatory lending practice to seniors like me. I now have a larger monthly note with variable interest rate because I didnt have XXXX to pay down to keep my initial {$190.00} payment fixed and affordable. I am retired & cant afford the {$270.00} increased amount on my social security income because I have a mortgage & other bills. The contract I signed says they can put a lien on my home if I dont pay. Every month I pay the {$200.00} but this keeps me in arrears & gets me reported to credit bureaus as delinquent. I paid $ XXXX in XXXX that was only applied to principal & not outstanding payment amounts. Mosaic owns the loan and filed bankruptcy in XXXX leaving me without a warranty and in fear of losing my home. They nor new loan owner, Solar Servicing will remove the solar panels as I requested or renegotiate the 25-year loan whose note will subsequently double per the contract. Seeking legal advice & now feel preyed upon by Solar loan relief companies who promise to help but request big monies upfront. My loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
: Cash App ( Block, Inc. ) Consumer Support and Funds Accessibility Concerns To Whom It May Concern, I am submitting this complaint to request review of Cash App, a non-bank consumer financial services platform operated by Block , Inc., regarding its customer support, dispute resolution, and escalation practices.

Cash App is widely used for everyday consumer financial transactions. However, my experiencesupported by a significant volume of public consumer complaintsindicates persistent deficiencies in the companys ability to provide timely, effective assistance when consumers experience account restrictions, transaction errors, or delayed access to funds. 

The issues of concern include : - Delayed or ineffective responses to consumer inquiries involving access to funds - Inconsistent or incomplete information provided by customer support representatives - Absence of a reliable escalation mechanism when initial support fails - Resolution processes that appear opaque and difficult for consumers to navigate - A pattern in which consumers seek relief through public social media channels due to lack of effective official remedies When consumers are unable to access or move their funds, delays and uncertainty can result in concrete financial harm. These practices raise concerns regarding whether Cash Apps support and dispute resolution framework meets expectations for fairness, transparency, and responsiveness, and whether they may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I respectfully request that the CFPB review Cash Apps consumer support and dispute handling practices and determine whether supervisory or enforcement action is appropriate. 

Thank you for your attention to this matter and for your continued efforts to protect consumers in the financial marketplace. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
I am a Florida consumer. Zwicker & Associates, P.C., an out-of-state debt collection law firm, engaged in collection activity affecting me in Florida arising from a XXXX XXXX small-claims lawsuit filed on XX/XX/XXXX in XXXX XXXX and later transferred. 

I was never served with a summons or complaint, and no service of process was ever perfected. The lawsuit remained dormant well beyond service deadlines, and no personal jurisdiction was established. 

Despite this, Zwicker & Associates engaged in settlement and collection communications related to the alleged debt. On XX/XX/XXXX, I received a settlement demand that did not disclose the existence of the pending lawsuit. I first learned of the lawsuit through a third-party attorney solicitation letter rather than through lawful service. 

Attempting to collect or settle a debt while withholding material information about pending litigation, particularly where the consumer has never been served, is deceptive and unfair to Florida consumers. 

As a result of this conduct, I have suffered : Damage to my credit reputation Increased adverse lending decisions Emotional distress and time spent correcting inaccurate records

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received emails with allegedly debt of {$340.00} in the name of XXXX XXXX account opened in XX/XX/year>. 
I have only XXXX XXXX XXXX account and the balance is $ '' XXXX ''. 
I have all my statements regarding XXXX XXXX account and want to prevent identity theft or false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Repeated calls from a debt collector thats not verified on my credit report I have repeatedly told them to stop contacting my phone I have blocked multiple numbers and they continue to call from new numbers. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX These are all the same people, same caller ID PORTFOLIO RECOV Theyre attempting to collect on something that doesnt exist nor have I owed in full or part. 

Ive repeatedly told them to stop calling me and they will instead continue. 

When doing so my entire household gets sick and we are constantly harassed outside of our home. 

They have even made attempts at stalking and harassing outside of a government DoD building where I work as a XXXX for the XXXX. 

This needs to be handled immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and improper collection practices by Source Receivables Management. 

My credit report shows a collection account with the following details : Company : Source Receivables Management Balance : {$2900.00} Opened : XX/XX/XXXX Status : Placed for collection Last reported : XX/XX/XXXX I dispute this account because it has not been properly validated. I have not received documentation proving that I owe this debt, including the original creditor, an itemized statement, or proof that I am legally responsible. 

This account is negatively impacting my credit and appears to be inaccurately reported. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am requesting that this account be fully investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Associates, Inc. (MO)
State: MT

Complaint narrative:
I noticed derogatory remarks on my credit report from Credit Associates Inc. I contacted them at XXXX to find out about the original debt and set up payments. The woman that answered refused to give information to me. She stated I was sued and needed to pay the full amount of {$4000.00}. This occurred XXXX. I havent received any information from them since this call despite asking over and over. I have been working on a debt recovery plan with a company called XXXX XXXX XXXX, thats for credit/loan debts this could be medical debt and I cant afford {$4000.00} in full. Thank you for any assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union XXXX XXXX is charging me for late payment and interest even though I have paid off all charges. The interest is accruing daily until they want to do something about it ( XXXX days ). This is unfair. They are holding double what I owe them from my checking account until they get around to clearing their error. In addition, NFCU did Not notify me of an issue or missed payment ( which I don't think even happened ). No email, no text, no phone call. Nothing in writing. I just happened to be on their website logged in to my account and noticed something was off. This issue could have gone on for weeks if I wasn't alert enough to check my account when I did. Please help me get my money back. They are holding more than what I owe. Approximately {$4500.00} over what is owed. They are reporting that I did not set up an autopayment for the past payment. I know I did. I always do. Then, telling me to 'call back Wednesday ' without any assurances of resolution is a stall tactic. They will continue to charge me interest even though I owe them nothing. They owe me, not the other way around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello, I am submitting this complaint regarding a medical loan financed through XXXX XXXX for a cosmetic procedure in the amount of {$5000.00}. 

The cosmetic procedure was never scheduled and never performed. No services were rendered. No deposit was paid. I have not received copies of any contracts, consent forms, or cancellation policies allegedly signed. 

After deciding not to proceed with the XXXX, I requested cancellation. The provider has refused to cancel, has failed to provide documentation, and has suggested transferring the procedure to another individual, which raises serious concerns regarding medical and billing practices. 

Despite no services being rendered, the loan was fully disbursed to the provider, and I am now being held responsible for the balance. 

I am formally disputing this loan on the basis of services not rendered and lack of contractual documentation. I am requesting that XXXX XXXX investigate this matter and require the provider to justify the charges or reverse the transaction. 

I am acting in good faith and seeking resolution through proper regulatory channels

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Debt validation letter attached XXXX of XXXX attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
Originally this debt came from XXXX XXXX XXXX in XX/XX/year> I submitted information to you guys as well as to XXXX  advising or requesting that validation information, and that was not received within the timely fashion, so the debt was then taken care of or obliterated at that time. Today I received a letter dated XX/XX/year> from MANDARICH Law LLP regarding the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: IA

Complaint narrative:
I believe they called on the XXXX of XXXX in regards to a debt collection of a XXXX bill and the problem arises is that they have not sent me a notice within 5 days of contact. They are using robocalls and they are using local numbers to deceive me into believing its a local call. Since I am on XXXX I can't pay this debt right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In re XXXX XXXX XXXX XXXX, XXXX XXXX App XXXX ( XXXX ) In re XXXX XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) In re Estate of XXXX, XXXX XXXX XXXX ( XXXX ) I leased a XXXX XXXX XXXX XXXX. The dealership required me to put a {$1000.00} deposit, directly violating XXXX U.S> Code & XXXX. After my own studying and learning that I was never fully availed of the contract and they gave a security interest to XXXX XXXX, I demanded proof of the original contract. After months and many attempts to settle the debt they refuse to respond, and silence is acquiesce. Not only did I have a perfected security interest, the truck was private trust property, and had private property in it at the time they came on private property and took it, including my XXXX sons XXXX  medication. GM never gave notice that they were unlawfully seizing private trust property. They refuse to communicate to make this right. They are in direct violations of Michigan XXXX EPIC laws and my Civil Rights as a XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: NC

Complaint narrative:
This collection company ( MRS BPO ) is constantly sending multiple text messages to my phone at very inconvenient times. The debt has been settled and is not on my credit report and they are still contacting me after asking them not to contact me anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Obtaining a payoff was challenging! The home was in forecloser and would be sold within a month or XXXX. A Payoff was confirmed with the law firm and the payoff was wired before XXXX. The payoff was not completed until XX/XX/XXXX. On XXXX the consumer was told the loan was paid in full, that taxes were paid XX/XX/XXXX and that the next due date would be XX/XX/XXXX, and that {$46.00} would be sent back due to the early payment. 

The check was received but it was determined later that the taxes sent were stopped on XXXX by an associate whose name wont be written. 

A dispersement record was not received. In XXXX, when another request for statements was made. A request for a payoff dispersement report and an escrow transaction statements were requested. A statement with a XX/XX/XXXX due date was received. Figures shown do not appear to match figures on the payoff provided.

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 2026-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I received a debt collection communication from IC System , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, regarding an alleged medical debt associated with services provided by XXXX XXXX. This was the first communication I received from a third-party debt collector concerning these charges. 

During the statutory XXXX dispute period, the debt collectors designated dispute website XXXX XXXX XXXX XXXX XXXX  was unavailable due to scheduled weekly maintenance, preventing submission of a dispute through the method provided. 

The maintenance notice states that the dispute site is unavailable every Saturday from XXXX XXXX  until Sunday at XXXX XXXX  ( Central Time ). At the point of dispute, no equally accessible alternative written dispute method was clearly provided. 

Because the debt collector designated the website as the dispute mechanism, the recurring and predictable outage materially impaired my ability to exercise my dispute rights under 15 U.S.C. 1692g and CFPB Regulation F ( 12 C.F.R. Part 1006 ). The scheduled unavailability effectively shortened the statutory dispute window and imposed a procedural barrier on a federally protected consumer right.

15 U.S.C. 1692g requires that consumers be given a meaningful opportunity to dispute debts within 30 days. Regulation F permits electronic dispute methods, but once designated, those methods must be reasonably available. A single, designated dispute channel that is regularly unavailable, without a clearly disclosed alternative, constitutes an unreasonable impediment to the exercise of statutory rights and may qualify as an unfair or unconscionable practice under 15 U.S.C. 1692f.

The dispute mechanisms recurring unavailability appears to be a systemic compliance issue rather than an isolated outage. Because the dispute website is unavailable for a predictable, recurring period each week, the designated dispute channel is not continuously available during the statutory 30-day dispute period. This recurring blackout materially reduces the practical time available to exercise dispute rights and places control over access to a federally protected right in the hands of the debt collector, contrary to the requirements of 15 U.S.C. 1692g and CFPB Regulation F. 

That said, I will be preserving my dispute of this debt by submitting it tomorrow.

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 2026-01-18 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.
State: ME

Complaint narrative:
I have no access to my loan. When i log into my account it tells me to call. I call and no one wants to give me any information. I spend hours getting tranferred from one department to another with no answers. Then im given a brief answer about litigation but dont provide details. Say they cant give details. Im given an email and told to send info to research department. Which i have sent on two occasions. I get an immediate response email telling me they will get back to me soon but its been 2 months. pay my loan every month and pay extra on my loan most months. I have had this loan for many years and have a lot of equity in my home.

Company response to consumer: Closed with explanation