vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I recently completed a refinance with Pennymac and am submitting this complaint regarding inconsistent and misleading information I was given during the loan process leading up to closing. On XX/XX/XXXX, I made a mortgage payment of XXXX. My refinance closed on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I received a text message from a loan officer confirming that my XX/XX/XXXX mortgage payment would be refunded after closing. On or around XX/XX/XXXX to XX/XX/XXXX, I also had phone conversations with loan representatives where I was told that I would receive my escrow balance of approximately XXXX dollars in addition to the mortgage payment refund. During these conversations, I asked about timing and where the funds would be deposited, and I was told both amounts would be refunded after closing. These statements were repeated in multiple conversations prior to closing. Based on these repeated statements, I understood and was led to believe that both the mortgage payment and escrow balance would be refunded after closing. At the end of XX/XX/XXXX, when I followed up to ask about the status of these refunds, I was informed for the first time that I would not be receiving either refund and that both amounts had instead been applied to the loan payoff. My request for the refunds was later denied. While I understand the loan documents reflect how funds were applied, my concern is that I was consistently told prior to closing that these amounts would be refunded, and that information was not accurate based on what ultimately occurred. At no point was it clearly communicated to me that these funds would not be refunded. The information I was given created a clear and repeated expectation that I would receive both amounts after closing. I am requesting a review based on the inconsistent information provided to me during the refinance process, including the written text message and recorded phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: CO

Complaint narrative:
I am submitting this complaint regarding SST Banks failure to properly apply Servicemembers Civil Relief Act ( SCRA ) benefits to my account, despite multiple requests and repeated submission of required documentation. I became eligible for SCRA protections beginning XX/XX/year>. Since that time, I have made several attempts to have my account adjusted in accordance with SCRA requirements, including submitting my military orders and supporting documentation on multiple occasions. Despite this, SST Bank failed to correctly apply the benefits in a timely manner. After continued follow-ups, the company eventually applied the SCRA benefit only to future billing periods, rather than retroactively to XX/XX/year>, as required under federal law. As a result of this failure, I have overpaid a significant amount of interest over the course of more than XXXX XXXX. I have contacted SST Bank numerous times by phone and have been given inconsistent and unhelpful responses. During a recent call, a representative stated that the issue was the responsibility of a prior servicer ( XXXX ), which is unacceptable. SST Bank is the current servicer and is responsible for ensuring compliance with SCRA and correcting any prior servicing errors. To date, SST Bank has : Failed to properly backdate SCRA benefits to the correct eligibility date ( XX/XX/year> ) Failed to issue refunds for excess interest charged above the XXXX % SCRA cap Failed to provide clear or consistent communication regarding resolution Failed to take ownership of the issue after acquiring or servicing the account I am requesting the following resolution : Immediate retroactive application of SCRA benefits effective XX/XX/year> A full audit of my account to identify all excess interest and fees charged above the XXXX % cap A full refund of all overpaid amounts Written confirmation that my account is now fully compliant with SCRA requirements SST Banks ongoing failure to correct this issue, despite repeated contact and documentation, reflects a lack of compliance with federal law and has caused unnecessary financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: FL

Complaint narrative:
XXXX % INTEREST I HAVE A CARD FOR MORE THAN XXXX YEARS. CREDIT SCORE IS XXXX NEVER RECEIVED A REVISED RATE. THEY ARE THIEVES AGAINST THE AMERICAN PEOPLE.PLEASE MAKE THEM CHANGE THE INTEREST RATE-THIS IS ONE OF THE CREDIT CARD COMPANIES THAT MUST CLOSE BUSINESS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had a business that closed in XXXX via XXXX, there was debt left to many companies inclucing american Express. I was a XXXX of the XXXX so my name was in the application. I have applied for an American Express card and it has been denied twice. the reason they give me is that XXXX years ago the business did not pay the owed amount in full. That was a long time ago and a business that went down during the worst recession in the XXXX. I feel I am being penalized for no reason. My credit is stellar, over XXXX points, I make over XXXX XXXX and I have other credit crads with over XXXX in available credit. I would like to get an American Express card if possible. Please help me if you can. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I made a mortgage payment via my banking app on XX/XX/2026 for XXXX payment. I then signed up for autopay through the mortgage company to start on XX/XX/2026. On XX/XX/2026 the mortgage company attempted to take a payment from my checking account, which was rejected by my credit union due to insufficient funds. I contacted the mortgage company via chat and was told they had no record of it on their end and if the payment was already made to just ignore it. On XX/XX/2026 the mortgage company attempted a second time to take a payment from my account, which again was rejected due to insufficient funds. I contacted the mortgage company a second time via chat and was again told they didnt see any charge on their end. Im being charged overdraft fees for these charges. I asked them repeatedly to stop the attempted charges and they are pleading ignorance. It is impossible to get anyone on the phone, so Ive only been able to get through via the chat feature. I canceled the autopay feature on XX/XX/2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Company has violated my privacy and harmed my credit and now trying to sue me without first validating the debt proving their standing as owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
" I am submitting this complaint due to Experian 's failure to uphold my rights under the Fair Credit Reporting Act. I have previously provided proof of identity theft, including an FTC Identity Theft Report and a police report, regarding a fraudulent XXXX XXXX account. Experian resolved the issue by deleting the account on XX/XX/year>, but is now refusing to reinvestigate and has rescinded the block, despite the ongoing legal dispute in court. This failure violates the FCRA 's mandate for maximum possible accuracy or reasonable procedures. ''

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Comerica
State: WV

Complaint narrative:
XXXX XXXX will not give new pin for replacement card contact almost impossible, contact made today and gave them my SSN and they deny I have an account with them, have tried since XXXX, my SS XXXX payment goes on that card have no access to my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kovo
State: SC

Complaint narrative:
I would like this company to be investigated for fraud. XXXX months ago I received an ad on my phone for a company named kovo credit that promised to help me build my credit. The information that was provided to me was very misleading. once I agree to allow this company to help me build my credit I started getting billed every month. From what I understood these payments were funds that was going to be put aside for me to claim at the end of this term that they provided to me for helping me build my credit. This company is now on my credit as a loan which I agreed to but was not aware of and come to realize what this company has done. When you try to contact them to discuss this issue there is no live person to talk to. Only AI. You receive a phone number, email and addresses on your account but when you use the phone number there is a message that says you can only communicate through text messages, we do not accept phone calls. When I would text message, I received responses from AI. No help was ever given or resolved. When I asked them to close my account they threatened to ruin my credit if I did pay the balance that was on this account. I never opened any line of credit or loan. That's the scam. Kovo credit is scamming people including myself into loans that allows them to collect money with no services rendered, no live communication, and ruining People 's Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: NV

Complaint narrative:
I have court documents this information has been sealed and not responsible for. Sent the dispute team and saying we owe. This isnt even public record was yelled at by the collection place. Courts gave all sealed documents. They still wont remove it off credit even though its not public record been dropped and sealed Its for account : IQ data XXXX ( XXXX XXXX ) Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB Complaint Handling Team, I am writing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, a film production company legally registered in XXXX, to file a formal complaint against JPMorgan Chase Bank regarding the prolonged and unresolved handling of a {$50000.00} check. Case Summary On XX/XX/XXXX, our company issued a {$50000.00} check from our XXXX XXXX XXXX account, payable to Production Manager, for film production expenses in XXXX XXXX. The check was deposited into a personal account at Chase Bank. However : The check was not processed due to internal review The recipients Chase account was subsequently closed The {$50000.00} has neither been released nor returned to the issuing account for over XXXX months As a result, the funds remain in an unresolved and suspended status. Efforts to Resolve We have made multiple good-faith efforts to resolve this issue, including : Providing company registration documents ( XXXX ) Submitting a copy of the issued check Providing an official company statement ( dated XX/XX/XXXX ) Attempting to facilitate verification of the check issuer The companys contact information is valid, publicly accessible, and also registered with XXXX XXXX XXXX XXXX However, despite these efforts : Chase has stated that verification of the check signer is required, but no successful verification attempt appears to have been completed ; Chase has declined to verify available contact information, citing reasons unrelated to the companys legal registration status ; As of XX/XX/XXXX, no clear resolution timeline or action has been provided. Impact The prolonged inaction has caused significant financial and operational disruption to our companys production activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
XX/XX/year> I asked this company Halsted Financial to cease all calls and text messages to me because I don't owe them anything and I don't have any contact with them that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/year> i was at work when i received a code from a shopping app. I wasnt shopping, I was working at my desk. Captal One seconds thereafter, sent me a text asking if this was a purchase i made. I clicked the text that said it wasn't me. I received an email from Capital One them about how my card was blocked and I was to receive a new one in the mail and that the fraud was " under investigation ''. I checked the app the code came from and noticed someone ordered a subscription to my house. I figured, well Capital One will take care of this for me.... Long story short after their " investigation '' that ended on XXXX... they claimed that since the box went to my house I still had to pay for it. I called the Fraud hotline to have them recitify thisand it was escalated to a " manager ''. No refund, so now not only did someone try and defraud me once, the credit card company thats supposed to help me from being defrauded has now frauded me..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am sure someone used my social and personal information to open some type of phone service or utilities in another city or state. I went back and forth with this company, that refuse to give more information. I even asked them to send the authorities to the location, since I am letting them know it is fraud, but they refuse to listen. I never resided in any other city or state all of my 68 years but XXXX, XXXX XXXX, XXXX. They sent the account to Harris & Harris and put it on my credit reports ; neither XXXX or XXXX, nor XXXX has helped. FYI : I have had my identity stolen, and I have reported it to the Social Security office, and it's hard to get a new number. I have frozen my credit reports, and they still allow people to get approved for things with my stolen credentials

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Subject Urgent Billing Dispute and Service Failure, Request for Written Resolution Dear Sir or Madam, I am writing to formally document and request resolution of a billing issue on my account with Wells Fargo. After spending in excess of seventy minutes on the phone with multiple representatives, including agents within your fraud, claims, and escalation departments, I was unable to obtain a clear or definitive explanation regarding a {$25.00} charge labeled only as a bank adjustment. Despite repeated transfers and escalation attempts, no representative could adequately identify the origin, nature, or calculation of this charge. This experience was not only inefficient, but also deeply concerning. In all my years of dealing with Wells Fargo, I have never encountered such a lack of clarity, accountability, and effective customer support. The inability to provide even a basic explanation for a charge, particularly one tied to a prior fraud matter, raises serious concerns regarding internal communication and customer service standards. In contrast, my experience with Wells Fargo has consistently reflected a historically high level of professionalism, transparency, and responsiveness, which makes this recent experience all the more concerning. I respectfully request a written response via email providing a clear and detailed explanation of the {$25.00} bank adjustment, including its origin, nature, and calculation. In the absence of a clear and substantiated explanation, I also request that this amount be reviewed for appropriate adjustment or credit. Given the time already spent attempting to resolve this matter, I would appreciate prompt attention. If necessary, I am prepared to pursue further formal review to ensure this issue is properly addressed. For efficiency and clarity, I prefer to correspond on this matter via email. I have included my email address below and would appreciate your response in writing so that this issue may be properly documented and resolved. Thank you for your prompt attention to this matter, and I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX digits of account, XXXX Email, XXXX 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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am reporting PayPal , Inc. for a deceptive failure of their User Interface ( UI ) and a subsequent breach of their Seller Protection agreement. The Technical Error : On XX/XX/year>, PayPals Resolution Center displayed an official status stating that holds on my funds ( {$1100.00} ) were 'released '. I acted in good faith based on this official disclosure. On XX/XX/year>, PayPals Global Advocacy office admitted via email that this was a 'technical error ' on their part, yet they refused to honor the financial implications of that error. The Breach of Protection : The buyer, XXXX XXXX, filed an 'Item Not Received " chargeback. I provided irrefutable proof of delivery, including : 1. A written confirmation from the buyer stating the software was 'Perfect '. 2. Proof that the buyer is currently utilizing the software for commercial profit on the domain tjeknettet.com. Despite this evidence of delivery and the admitted UI failure, PayPal debited my account for {$1000.00}, causing severe hardship. Active Criminal Context : Due to the severity of this theft, I have filed a formal criminal fraud report with the XXXX XXXX ( XXXX XXXX ) in the buyer 's jurisdiction. My efforts to resolve this through PayPals standard channels have been met with a refusal to override a card-issuer decision even in the face of documented fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: KY

Complaint narrative:
Valon was sent 2 tax bills for XXXX. 1 ) real estate taxes and a 2 ) for sewer repairs. The sewer repair was for {$50.00} and they used this instead of the real estate tax bill of {$1600.00} to calculate my 2025 monthly payment. I called when it went down and was told there was an overpayment. Valon found out their error when there was a shortage for the escrow and are now looking to recoup their error. The month payment is going from {$370.00} to {$840.00} a month. I am not able to make a 225 % increase in my month payment. I have always taken care of any shortage and not complained but this is over the top. they made a huge error and are not willing to own this one. I do not have income to support this type of monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I received a promotional offer email from American Express Bank to open a savings account and deposit {$25000.00} for {$400.00}. I opened the account and deposited more than the necessary funds within 30 days. When I tried to remove the extra funds American Express bank locked my account. I tried to provide the necessary information to have my account open but it wouldn't work until XX/XX/XXXX. In the meantime I called several times regarding whether I was meeting the requirements and was told I was. I also called regarding when I would be paid the bonus of {$400.00} but I was told it would be 8 to 12 weeks after the requirements have been met. I called several times and was told the same thing. After the 8-12 week timeline I was told that the {$400.00} bonus would not be paid.

Company response to consumer: Closed with monetary relief