vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding escrow misapplication and lack of proper accounting by Rocket Mortgage related to a XXXX XXXXXXXX refinance. Loan Information : * Prior loan ending in XXXX ( interest rate 6.49 % ) * New refinance loan ending in XXXX ( interest rate 5.625 % ) * Refinance closing date : XX/XX/year> * Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Escrow Balance Prior to Payoff : * As of early XX/XX/year>, escrow balance on loan XXXX was {$3500.00} Payoff Activity : XX/XX/year> : * Multiple payoff-related payments initiated : * {$99000.00} ( three separate transactions ) * {$28000.00} XX/XX/year> : * Payoff applied to prior loan XXXX in the amount of {$320000.00} * Payoff statement shows escrow balance of - {$3500.00} credited toward payoff * Total payoff amount listed as {$320000.00} ( good through XX/XX/year> ) Escrow Discrepancy Identified : Immediately after payoff : * Escrow balance dropped from {$3500.00} to approximately {$170.00} * Only {$170.00} was returned or identified as an overage * Approximately $ XXXX of escrow funds remain unaccounted for New Loan ( XXXX ) Information : * New monthly payment : {$2800.00} * Escrow portion : ~ $ XXXX * New loan shows escrow funding, but no clear documentation showing transfer from prior loan escrow Communication Attempts : XX/XX/year> Present : * Multiple attempts made to Rocket Mortgage Servicing and Client Relations * Requested : * Full escrow ledger for loan XXXX * Escrow analysis for loan XXXX * Reconciliation of escrow funds * Documentation authorizing transfer of escrow between loans Company Response ( Contradictory ) : Rocket Mortgage provided the following explanation : * There was no payoff shortage * An updated payoff not netting escrow was used * Then a netted escrow payoff was used * Final escrow overage of {$170.00} returned This explanation is inconsistent and does not reconcile the escrow accounting. Key Issue : * The payoff statement clearly shows escrow of {$3500.00} applied as a credit * Rocket Mortgage has not explained : * How those funds were applied step-by-step * Whether escrow was applied more than once * Whether escrow funds from loan XXXX were transferred to loan XXXX * No documentation or authorization has been provided allowing escrow transfer between loans Current Status : * Loan XXXX : Paid off * Escrow : Reduced from {$3500.00} ~ {$170.00} * Missing/unexplained funds : ~ $ XXXX * No full accounting provided * No resolution provided Conclusion : Rocket Mortgage has failed to : * Properly account for escrow funds * Provide a complete transaction ledger * Provide authorization for escrow transfer between loans This appears to be a misapplication of escrow funds and failure to provide required servicing transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
TO : CFPB INVESTIGATIVE UNIT RE : CAPITAL ONE AUTO FINANCE I. SUMMARY : I am a XXXX Veteran and owner of XXXXXXXX XXXX XXXX XXXX XXXX. I am filing this complaint against Capital One Auto Finance regarding a loan for a vehicle with a catastrophic UA80 transmission defect. II. BAD FAITH & FRAUD : XXXX XXXX ( the partner dealership ) provided a fraudulent repair quote of {$12000.00}. Simultaneously, they issued buy-back solicitations for the same asset. Capital One is maintaining a loan on a vehicle that the dealership admits is defective while obstructing a resolution. III. SETTLEMENT DEMAND : A formal demand was sent on XX/XX/year>. Capital One has failed to intervene or address the fact that they are financing a grounded, non-functional asset. IV. IMPACT : My business has been grounded for 36 days. Total documented revenue loss : {$5400.00}. DEMAND : I seek a XXXX replacement with a XXXXXXXX XXXX XXXX XXXX XXXX and {$5400.00} in restitution to resolve this financing of a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: GA

Complaint narrative:
On XX/XX/year>, an unauthorized transfer of {$440.00} occurred on my account. Despite formal notification on XX/XX/year>, and the delivery of a 30-page forensic audit on XX/XX/year>, the creditor has failed to conduct a reasonable investigation under the Fair Credit Billing Act ( FCBA ). The creditor has repeatedly ignored my written evidence, responding instead with redundant Power of Attorney ( POA ) forms ( dated XX/XX/XXXX and XX/XX/year> ) that I never requested and explicitly asked to be removed from my file. A creditor agent provided an incorrect mailing address for written disputes, causing intentional delays in the resolution process. On XX/XX/XXXX, XXXXone day after receiving my forensic auditthe creditor accelerated the billing cycle to post {$120.00} in interest charges and a {$1.00} paper statement fee. On XX/XX/year>, the creditor reported the account as " Closed '' to credit bureaus during business hours but withheld notification from me until after XXXXXXXX XXXX, preventing timely contestment of the action. The creditor acknowledged receipt of my XX/XX/XXXX demand letter by closing the account " at my request. '' However, they willfully ignored the legal conditions of that request : that the account be closed with a XXXX balance and reported in good standing.

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 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I am filing a formal complaint regarding my mortgage loan with CrossCountry Mortgage, Loan Number XXXX, for the property located at XXXX XXXX XXXX, XXXX, NY XXXX. During the underwriting and pre-closing process, I was explicitly required to provide homeowners and flood insurance due to the propertys FEMA flood zone designation. I provided both policies, which were reviewed, accepted, and approved by the loan XXXX and underwriting department. Based on this approval, I proceeded to closing in good faith. Within 30 days after closing, my insurance broker was contacted by a representative from CrossCountry Mortgage ( XXXX XXXX ), requesting that my existing flood insurance policy be replaced with a significantly more expensive policy. My broker refused to make any changes without my authorization and advised that such a request after closing is improper. When I spoke with XXXX XXXX directly, he acknowledged that this situation resulted from an internal oversight by CrossCountry Mortgage. Despite this admission, I am now being pressured to accept a higher-cost policy that would increase my monthly mortgage obligation. This situation is unacceptable and raises serious concerns regarding lending practices. CrossCountry Mortgage had a duty to properly review and verify all insurance requirements prior to closing. Their failure to do so has resulted in an attempt to shift the financial burden of their error onto me. Had the correct insurance requirements been disclosed prior to closing, I may not have qualified for the loan or agreed to proceed under those terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information on file shows inconsistencies and gaps that reduce its reliability, and I kindly request verification and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to perform an online deposit of a check for {$2400.00} 6 times and their mobile app would not allow me to take a photo of the front or back of this check. I called their support and they said my claim was closed after processing my first check in the amount of {$12000.00} the previous month. The agent told me that they would need to re-open my claim and I should try to do the deposit after waiting XXXX hours. I received a email confirmation from them on XX/XX/XXXX ( attached ). In that email it asked me to click on a button to complete the next step. I did, I logged in and a small window was displayed stating that " all steps have been completed. '' It has been 9 days since I deposited my check for {$2400.00} on XX/XX/XXXX and I have not received the funds yet. Their website and call center located in XXXX were both very confusing and difficult to obtain the status of my funds. I spoke with a supervisor named XXXX and after XXXX phone calls I was NOT able to get an answer as to why my funds were delayed, a re-send of a missing Email or when I would receive my money from you! The call quality was so bad at times I demanded that XXXX call me back. I would say that this entire business unit should undergo a complete analysis and revamping! Their user-interface is so confusing that I think they are intentionally making it difficult to delay the payment of my funds so they can earn interest on the float which is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had to file a dispute on multiple transactions because someone had stolen my card. I went into the bank and they told a representative they were closing my account. The bank is Chase bank. Not only are they closing my account but the next day after they informed me most of my disputes were closed and I didnt receive the provisional credits I was promised. I also provided document proof in my defense and I called customer service and they said that they still will not reopen the claim and they also said I couldnt file any new ones about the same transactions. I feel like they are not dealing with my disputes because they are closing my account in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Upon various request, Bank of America failed to provide me w/details of any/all domestic wire transfered I made in XXXX. Refusing to cooperate w/me I requested an indepth, thorough investigation of BOA and customer checking accounts. BOA closed my account stating " suspected fraud '', yet failed to prove said fraud to XXXX. They closed my account w/o notice, blocked my online and phone access to my information - then recently sent me " statements '' that do NOT cover my requests!

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 2026-04-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am filing this complaint regarding a California Middle Class Tax Refund / Money Network prepaid debit card. The automated balance system confirmed a {$500.00} available balance, but I was unable to access the funds before the XX/XX/year> card-program expiration despite multiple reasonable attempts. XXXX attempts before expiration included : * XX/XX/year> : XXXX payment attempted ; it initially appeared accepted, then reverted to charging another card. * XX/XX/XXXX and XX/XX/year> : MCTRPayment.com access attempted ; I was unable to log in or complete online account access. * XX/XX/XXXX and XX/XX/year> : Grocery store PIN debit / cash-back attempts declined. * XX/XX/year> : Bank use attempted and not accepted. * XX/XX/year> : XXXX ATM withdrawal attempted and declined. * XX/XX/year> : Customer-service phone system attempted ; it did not allow me to provide the necessary information or reach a representative who could resolve the issue. Certified written notices were mailed on XX/XX/year> : a formal error-resolution claim to Money Network Cardholder Services and a program-owner notice to the California Franchise Tax Board XXXX This was not a failure to use or claim the funds. The balance was confirmed as available, and access was attempted before expiration through multiple reasonable channels. The problem was an account-access failure involving the prepaid-card system, online account system, ATM/PIN-debit access, and customer-service process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I received a credit card from XXXX XXXX and cooling. I never applied for this credit card. I want it closed down.

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 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I am filing a complaint regarding an unresolved title and lien release issue with Mercedes-Benz Financial Services . I leased a new vehicle under my company name from Mercedes in XX/XX/XXXX. After XXXX years, I paid off my leased vehicle on XX/XX/XXXX. However, as of today, the XXXX on the vehicle remains active, and I have not received the title. This has prevented me from legally transferring ownership and has significantly impacted my ability to use my vehicle. I have been calling Mercedes since early XXXX after I acknowledged the situation. Only then I was told that the title was sent early XXXX, but a duplicate title was requested the next day. Given that the lien is still active, I am unsure if the proper steps have been taken by Mercedes. Every time I call, I am told that the duplicate title process will take XXXX weeks. More than XXXX year has passed since the payoff, and the lien still has not been released. Because the lien remains active, I am unable to complete the sales/ownership transfer, and I face ongoing legal and administrative limitations regarding my vehicle. This situation has caused significant inconvenience and disruption for my business and family. This issue has been ongoing for over a year, and I am requesting urgent intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint against Synchrony Bank for refusing to update my legal name on my account despite my providing valid, government-issued documentation confirming my legal name change as recognized by the Social Security Administration . The documents were refused. I contacted Synchrony Bank to request a legal name update on my account. I advised the representative that I had my updated Social Security card and drivers license available -the standard documentation required for a legal name change. The representative refused to process the update and indicated they would mail something instead, effectively denying my request at the time of contact. Additionally, the representative stated that Synchrony Bank needed to know the reason for the name change - specifically whether it was related to marriage or divorce. I am not legally required to disclose the personal circumstances surrounding a legal name change. I confirmed it was the result of a legal process, which is the full extent of what any financial institution is entitled to ask. The representative continued to press for further detail, which I consider an unlawful and invasive line of inquiry. My legal name as recognized by the Social Security Administration and reflected on my government-issued identification is the name I am entitled to have reflected on my financial accounts. Synchrony Banks refusal to honor valid legal documentation and their demand for unnecessary personal disclosures as a condition of processing this update may constitute a violation of consumer protection law and the Fair Credit Reporting Act. I am requesting that the CFPB investigate this matter and require Synchrony Bank to update my name immediately upon receipt of the documentation I have already confirmed I possess.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
This is the second complaint I have sent. Im not sure exactly what happened but I have a strong suspicion to believe that somebody hacked my accounts, phone, or got my card/ bank information. I had many unauthorized charges from XX/XX/XXXX - XX/XX/XXXX and honestly the whole situation was so overwhelming I didnt know what to do. My bank account was drained and the charges from chime accounted to XXXX. I took it up with chime and the said the concluded the transactions were not unauthorized. I never have used chime before and my account is fairly new. Since all the charges I canceled my cards and passwords to all my banking apps even the ones that werent affected. The process with Chime to file a dispute was rather lengthy and I confirmed many times that the transactions were unauthorized/ fraudulent. The names on the account sound fake and all the accounts were new accounts which is common for scammers and hackers to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint due to the consumer reporting agencys continued failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), as it persists in reporting fraudulent accounts and unauthorized inquiries resulting from a data breach. Despite submitting a formal dispute pursuant to Section 605B [ 15 U.S.C. 1681c-2 ], supported by a sworn affidavit and proof of identity, the agency has failed to block or remove the disputed items within the mandated four-business-day timeframe. Furthermore, the agency has not provided any verifiable documentation bearing my signature or authenticated electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to establish a permissible purpose for these inquiries. This conduct constitutes a direct violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been actively working with my mortgage servicer, Shellpoint Mortgage Servicing, to resolve my loan following a forbearance period. I successfully completed all required trial payments associated with my prior loss mitigation plan. In XX/XX/year>, I submitted a Notice of Servicing Dispute and a complete loss mitigation package. I received a response stating I did not qualify for a modification at that time due to unemployment. However, I was not provided a clear appeal deadline or full explanation of next steps. I also completed and signed modification documents through the servicers third-party notary process. These documents were completed and notarized on XX/XX/year>. I was later informed that the documents were considered late due to a XX/XX/year> deadline ; however, this deadline was not clearly communicated to me in writing. In XX/XX/year>, I attempted to make a mortgage payment, but the payment was not accepted. I was informed that I would need to address the full forbearance balance rather than being offered a structured repayment or modification option. Since then, my financial situation has changed. I am now re-employed full-time and have submitted updated income documentation, including two recent paystubs and my offer letter. Despite my active efforts and updated application, I was later informed that my loan had been referred to foreclosure. I was not clearly or timely notified that foreclosure proceedings were being initiated and only became aware after being contacted and through public records. A foreclosure sale is now scheduled for XX/XX/year>. I have made multiple attempts to request confirmation that my loss mitigation application is complete and under review, and that foreclosure activity would be paused during evaluation. I have not received clear or consistent responses. Additionally, I have not received a written response to my previously submitted servicing dispute. I am acting in good faith to resolve my mortgage and retain my home. I am requesting : Confirmation that my loss mitigation application is complete and under active review Confirmation that foreclosure activity is paused while my application is being evaluated A written response to my prior servicing dispute I am seeking a fair opportunity to be evaluated for available options based on my current income.

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 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Pinnacle Lending Group, Inc.
State: MA

Complaint narrative:
I keep getting calls at the rate of XXXX per every month my number is on the do not call list and the company keeps calling me from different numbers every single time I have a few contact numbers to call them they dont keep the same number

Company response to consumer: Untimely response