vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
PennyMac has serviced our loan for XXXX years and this year failed to pay our XXXX insurance policy causing it to lapse. XX/XX/year> XXXXXXXX XXXX reached out to me, XXXX XXXX, to explain that they had just received a payment from PennyMac for my policy however it was after the XXXX day grace period and the policy had been cancelled for non-payment. I was able to work with them to immediately instate a flood policy and paid it with my debit card over the phone in the amount of {$410.00}. I requested a paid policy be sent to PennyMac as proof of insurance and the amount of PennyMac 's payment ( {$410.00} ) be sent back to me as reimbursement for the premium I had just paid. I asked what could be done to make sure this doesn't happen next year as my property is located in a XXXX zone and is required to be paid through XXXX. They advised they would note my file to reach out XXXX days prior to policy expiration if they had not received payment form the Mortgage XXXX. 
This should have been the end of it however PennyMac made several more errors resulting in threatening letters and increased monthly Escrow payment. Upon receipt of the new XXXX XXXX policy PennyMac erroneously issued an additional payment of {$410.00} which more than depleted the XXXX Account leaving a balance of - {$50.00}. In response they increased my monthly payment by {$34.00} monthly to cover their error. PennyMac also issued a threatening letter indicating they were implementing a new XXXX XXXX under them for the amount of {$2500.00} which is XXXX XXXX  of my annual XXXX  premium for the XXXX  day lapse they caused. 
I have spent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am receiving repeated mail from Discover for a former resident at my address. The person moved out over XXXX months ago, and I have returned the mail multiple times marked Not at this address XXXX to XXXX. The former resident also submitted a XXXX change-of-address form over XXXX months ago, but Discover continues to send mail to my address despite this. 

I also called Discover customer service on XX/XX/2026, and was told my address was added to a no send list. When I asked for a clear timeframe for when the mail would stop, I was told I dont know, it depends on how many requests we get, which is not acceptable. 

Despite my repeated attempts to correct this, Discover continues to send mail to my address for the former resident. I do not want ANY Discover mail sent to my address under any circumstances, including promotional offers, marketing materials, or statements, for myself or for the former resident, because I am not a customer and the former resident no longer lives here. I request that Discover immediately suppress my address from all mailings and provide confirmation that this has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
On or about XX/XX/year>, my phone was lost or stolen. During the period from XX/XX/year> onward, unauthorized transactions were made through XXXX XXXX using funds connected to my Dave Banking account.

I did not authorize these transactions and did not have possession of my phone at the time they occurred. Once I became aware of the activity, I contacted both Dave Banking and XXXX XXXX immediately to report the unauthorized transactions and request a refund. I provided all requested information, including transaction details and an explanation that my phone had been lost or stolen. 

Despite reporting the issue promptly, the companies failed to properly investigate the unauthorized activity and did not issue a refund. I repeatedly requested documentation showing how the transactions were authorized and confirmation of when my money would be returned, but I did not receive a clear explanation or fair resolution. 

As of today, I am still missing my funds, which has caused financial hardship. I am requesting a full refund of the unauthorized amount and written confirmation that corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center . continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing regarding the collection account you have reported under the name Richland Holdings , Inc., with an alleged balance of {$6900.00}, opened on XX/XX/year>, as shown on my XXXX credit report. 

This letter is not an acknowledgment of responsibility for the debt. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following documentation : The name and address of the original creditor The original account number The total amount claimed, including an itemized breakdown of interest, fees, or charges Copies of any contracts, agreements, or documents bearing my signature Proof that you are legally authorized to collect this debt Proof that this debt is within the applicable statute of limitations Until this information is provided, I request that all collection activity cease, including reporting or updating this account with any credit reporting agencies. If you are unable to validate this debt, please remove it from my credit reports. 

All future communication regarding this matter should be in writing only. 

Thank you for your cooperation. 

Sincerely, 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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a {$500.00} XXXX payment from XXXX Bank of America account to my sister. 

The transaction was placed under review and has not been released to the recipient or returned to my account. 

I have contacted Bank of America XXXX XXXX and have been told repeatedly that nothing can be done except to wait. No case number, resolution date, or clear explanation has been provided. 

This delay has gone on for an unreasonable amount of time and is causing financial hardship. 

I am requesting immediate final disposition of the funds either release to the recipient or return to my account along with a clear written explanation for the delay.

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Good day, I've reached out to Discover credit card company explaining their accounting practices for charging interest. After thorough explanation they still couldn't calculate the math for me on how they charged higher amount of rolling balance for interest on my current statement. I think they made an accounting error they don't want to admit to. The point here is that I've probably not caught this for months of misappropriate balances and rolled interest to every statement. They dropped the interest charge they said which will be applied to following statement. It seems that they don't give grace period for charges in between statement periods. They charge daily interest which is bogus! I don't think any of my other credit card carriers do the same practice either. It might be worth investigating if that's not legal. Please inquire!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I went to look at my credit profile and noticed that Jefferson Capital systems XXXX is hitting my credit report TWICE for the same debt owed to XXXX XXXX in the amount of {$400.00}. I looked at the debt owed on my credit report and it shows XXXX collections for the same amount in the amount of {$400.00}, by the same debt collector, both opened on the same day of XX/XX/XXXX for the same debt. They are intentionally putting XXXX collections on my report with intent to prevent any new credit applications. I currently have been in XXXX hardship since XXXX, at the beginning of XXXX, and I have not recovered since and do not want to go the bankruptcy route due to the high cost of living. Jefferson capital systems XXXX has put a double collection in place on my credit profile, resulting in a total of XXXX derogatory marks on my record when there should only be XXXX. There is also another set of XXXX collections for a debt that Jefferson Capital owns of mine that was opened XX/XX/XXXX in the amount of {$1800.00} owed to a separate company. This has been disputed in the past, but the status still remains unknown, and therefore has not been claimed to be neither accurate or inaccurate, resulting with the collections to remain in place and continue to harm my credit profile. Due to the collections and the financial hardship I am facing, I am no longer able to qualify for automotive insurance based on credit, I also am no longer able to get any sort of financial assistance through creditors to repair my XXXX that I outright own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a hold on my Citi credit card due to a suspicious payment and received a call from Citi to verify. When I called on XX/XX/XXXX, I was told that in order to remove the hold I had to wait 10-14 business days to receive a letter with a verification code, despite me being able to verify myself 4 or 5 different ways. After receiving the letter, I called on XX/XX/XXXX, and gave the verification code on the letter and was told that the hold was removed. On XX/XX/XXXX, I tried using my card and was told there was still a hold, so I called again today ( XX/XX/XXXX ) and was told I have to wait another 10-14 business days for another letter, with another verification code. When I asked if they could review the recorded call I made on XX/XX/XXXX where I gave them the verification number, I was told they can't use that call to verify because it was " prior to today 's call. '' So now I have to wait another 10-14 days to remove the hold on my card, again, despite me previously providing the reference number and still being able to verify myself about XXXX different ways.

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 non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
COMPLAINT AGAINST BILT REWARDS/ BILT TECHNOLOGIES , INC . 

SUMMARY : On XX/XX/XXXX, I transferred XXXX Bilt Rewards points to XXXX XXXX, a Bilt transfer partner. Immediately after, I attempted to book a XXXX XXXX flight ( XXXX, XX/XX/XXXX ) using these miles. XXXX 's payment processing system blocked all five credit cards I attempted to use for taxes/fees, falsely claiming they were expired. XXXX placed a security restriction on my account ( Case # XXXX ) and refused to lift it despite four phone calls over five days.

I was unable to complete any booking or use the transferred points through no fault of my own. The XXXX miles remain unused in my XXXX account. 

I contacted Bilt Rewards requesting a transfer reversal. Bilt 's policy states transfers can not be reversed, but the CFPB has identified this exact scenario as potentially unfair, stating that " issuers often redirect cardholders to partners and fail to reinstate rewards when consumers are unable to redeem them through no fault of their own. '' REQUESTED RESOLUTION : Bilt should reverse the transfer and restore my XXXX Bilt Rewards points, as I was prevented from redeeming them due to their partner 's payment processing failures. 

TIMELINE : - XX/XX/XXXX : Transferred XXXX Bilt points to LifeMiles - XX/XX/XXXX : Attempted booking, all cards declined, called XXXX - XX/XX/XXXX : Called XXXX twice, no resolution - XX/XX/XXXX : Called XXXX ( spoke with XXXX XXXX ), still no resolution - XX/XX/XXXX : Emailed Bilt requesting reversal COMPANY INFORMATION : Bilt Technologies , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing a complaint regarding a misleading design and funds availability issue between Apple Card and the Apple Savings account in the Wallet app. 

On XX/XX/XXXX, I was prompted within the Apple Wallet app to open an Apple Savings account in order to pay my Apple Card balance. I transferred money from my external bank into this new savings account specifically to cover my XXXX Apple Card payment and set up automatic payment from this savings account. 

On XX/XX/XXXX, the Apple Savings account showed that the transferred funds were present as my balance in the app. Based on this display, I reasonably believed that the funds were available to be used for my Apple Card payment. 

My Apple Card payment was scheduled for the due date of XX/XX/XXXX and was drawn from this Apple Savings account. However, on XX/XX/XXXX, I was notified that the payment had been rejected due to insufficient available funds. 

Only after calling customer service did I learn that although the savings account showed a balance, the funds were not actually available for withdrawal. The Apple Wallet interface does not clearly display the available balance for withdrawal in a visible location. The app prominently shows current balance, and the available balance is either hidden or only revealed after attempting a withdrawal, which is not reasonable for a consumer to discover in advance. 

As a result of this unclear and misleading presentation of funds availability, my payment failed even though the app showed I had sufficient funds. This caused me to incur interest charges and a negative payment outcome that I could not have reasonably anticipated. 

I believe this is a user interface and system design issue that misleads consumers into believing deposited funds are immediately usable for payments when they are not. 

I am requesting that the interest charges resulting from this incident be removed and that my account be reviewed to ensure there is no negative impact to my payment history or credit reporting due to this system and interface failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
The vehicle was in a accident in which it was considered a total loss. My insurance company paid the amount in which the car was worth and I had gap insurance. I have received my title and a letter stating my business with them is complete. However, I have received several letters stating I have a balance due of around {$1500.00}. I have emailed the customer service email address provided for questions regarding payments. The accident occurred XX/XX/XXXX. I received another letter yesterday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Today XX/XX/year> at XXXX I just canceled my XXXX XXXX XXXX credit card. Or at least I thought I did. They kept asking for some code word to cancel. I dont remember it and the lady got real snippy when I didnt remember it. 

I gave them my name and account number. The balance is 0. I am not happy that it takes a code word to cancel the account. They could have sent a code to the phone on file or email on file. They could have been kind. 

This is outrageous.

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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing a debt that a collection agency continues to report as belonging to me. I requested proper validation of this account and specifically asked for documentation proving that I opened, authorized, or am legally responsible for the alleged debt. 
In response, the collection agency provided only billing statements. They did not provide a signed or authenticated credit application, proof of my date of birth, proof of my Social Security number, proof of my address at the time the account was opened, or any documentation establishing a contractual obligation. 
Billing statements alone do not establish ownership of a debt and do not satisfy validation requirements under the Fair Debt Collection Practices Act. Despite this, the collector continues to report this account to consumer reporting agencies. 
The continued reporting of this unverified account constitutes inaccurate credit reporting under the Fair Credit Reporting Act. I do not owe this debt, and the collector has failed to demonstrate that it belongs to me. 
I am requesting the immediate deletion of this account from all consumer reporting agencies and written confirmation that the account has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I purchased a car using then credit acceptance the car had multiple issues. I made it on time payments until I no longer could due to the high mechanical issues on the car. I voluntarily gave the car back yet the car was sold for XXXX so credit acceptance could continue to come after me.

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 2026-02-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Case ID-XXXX I am filing this complaint against Citibank regarding two unauthorized transactions totaling {$800.00} that occurred on XX/XX/year> and XX/XX/year>. I immediately filed a formal dispute on XX/XX/year> and provided clear evidence that these charges were not authorized and were fraudulent. 

Despite my timely reporting, Citibank denied the claim without providing a specific explanation or the documentation used to reach their decision. I have contacted customer service more than three times to resolve this, yet the bank has failed to correct the error or return my funds. As of today, I am still being deprived of this {$800.00}, which was essentially removed from my account without my consent. I am seeking a full credit of the disputed amount and a formal explanation for the previous denial.

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 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NC

Complaint narrative:
I am submitting this complaint regarding a Pay-in-Four loan I opened with Klarna Inc . I initially fell behind on payments due to financial hardship, and my account was sent to a third-party collections agency, First Source Advantage .

Account details : Creditor Name : Klarna Inc .

Collection Agency : XXXX XXXX XXXXantage Our Reference # : XXXX Creditor Account Ending In : XXXX I made all required payments to XXXX XXXX XXXX and paid the Klarna balance in full around XX/XX/year>. XXXX XXXX XXXX provided a paid-in-full letter, which was sent directly to Klarna. I have also personally provided Klarna with a copy of this paid-in-full letter. 

Despite this, Klarna has failed to credit my account properly. As of today, Klarna continues to show a past-due balance on my account even though the debt has been paid in full. 

Since XX/XX/year>, I have contacted Klarna multiple times by chat and explained that the account was paid. I have spoken with several Klarna representatives, all of whom stated that I needed to wait for the issue to be resolved. It has now been over XXXX months with no resolution, despite repeated follow-ups and documentation proving payment. 

I am concerned about Klarnas failure to update my account accurately after full payment, and the continued reporting of a past-due balance. I am requesting that Klarna immediately correct my account to reflect paid in full, cease any incorrect reporting, and provide written confirmation that the balance has been cleared. 

I am seeking a fair and prompt resolution to this matter.

Company response to consumer: Closed with explanation