vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Interest rate
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am filing a complaint regarding a reverse mortgage currently serviced by PHH/Onity XXXX that is in foreclosure status. There are multiple issues with this loan : The property is held in a trust, yet the loan is being serviced under borrower names that do not align with current ownership. A loan modification or continuation appears to have occurred in XXXX when the borrower was approximately XXXX XXXX XXXX, raising concerns about proper authorization The loan balance appears inflated due to prolonged interest accrual Incorrect documentation has been associated with my account The lender is rejecting legitimate purchase offers based on a valuation that does not reflect current market conditions I am actively attempting to sell the home in good faith to satisfy the loan. However, the lenders valuation practices and servicing issues are preventing resolution and placing me at risk of foreclosure and displacement. I am requesting : A full review of the loan and servicing history Validation of the current loan balance Review of valuation practices Consideration for a foreclosure hold while the property is actively being marketed This situation is urgent and requires immediate review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
. I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA 809 ). Please provide the following : - Proof that I am legally obligated to pay this debt - The original creditors name and address - A copy of the original contract or agreement bearing my signature - A full account history, including all charges and payments - Proof that your company is licensed to collect in my state Until this information is provided, you must cease all collection activity and reporting to credit bureaus. If you fail to validate this debt, I demand that this account be removed from all credit reporting agencies immediately. Any attempt to report or verify this account without proper validation constitutes a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ClarityPay, Inc.
State: NY

Complaint narrative:
Subject : Complaint Regarding Undisclosed Financing and Misleading Loan Terms To Whom It May Concern, I am submitting a complaint regarding a financing agreement associated with a timeshare purchase from XXXX XXXX in XX/XX/year>. I was placed into a loan of approximately {$11000.00} without a clear and full explanation of the terms, payment obligations, or lender involvement at the time of signing. I am now required to make payments of over {$500.00} per month, which I did not fully understand or knowingly agree to under transparent conditions. Additionally : I was encouraged to open a credit card but never received it I was instructed to send sensitive documents ( bank statement, Social Security number, ID ), which were later reported as not received I have been unable to get clear answers regarding my financial obligations I believe I was placed into a financing agreement without proper disclosure or informed consent. I am requesting investigation into this matter and assistance in resolving these financial obligations. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Applied for a refinance loan only to discover a lien on my home. Review of court records shows company filed a lawsuit for a debt that was reported as fraud with the federal government. Appropriate actions were taken following the government site and reported to company prior to suit. Was never served paperwork for the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: MO

Complaint narrative:
Oliphantt Has continued to violate federal and state laws by contacting me, despite receiving a cease and desist request last XX/XX/XXXX They were reminded again about two months ago to season desist all communications They were notified of my cease and desist request a third time with my daughter advocating for me about two months ago, and yet they still contacted me once again Now on the fourth attempt at requesting that they obey the law and stop contacting me they openly admit to sending things to my house, even though they were told to not communicate with me or my family I am an XXXX women living on Social Security having to hassle with something that I do not even owe. Ive never had a negative entry on my credit report and this is profoundly upsetting to me. Its pointless because they were also told that I would not pay the alleged debt under any circumstances, but they continue with their collection activity and continue contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
I have disputed this debt on my XXXX XXXX account multiple times starting in XX/XX/year>XXXX when I seen my credit was got for two cards : XXXX and XXXX. I called the company in XX/XX/year>XXXX and asked for proof that i was the one who opened it up because i was living in ny and the cards were approved for an address on South carolina. I am the victim of identity theft as reported to the ftc and the nys attorney general. My identity has been stolen 4 times in the last 10 years and I've done my best to flag my credit bureaus and put freezes on them but sometimes they don't always verify. Someone stole all my info and used it to open up credit in my name charging thousands of dollars to my credit report. I cant remember the dates or times because I have short term memory loss but I have written notes on what was disputed. This isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a mortgage payment in the amount of {$1500.00} to CrossCountry Mortgage. This payment was properly authorized and processed. On XX/XX/year>, CrossCountry Mortgage withdrew an additional {$1600.00} from my account. This second withdrawal was not clearly authorized and resulted in two mortgage-related debits occurring within a three-day period. This duplicate or unauthorized withdrawal caused immediate and significant financial hardship. The removal of these funds disrupted my ability to pay for essential living expenses, including food and transportation. As a direct result, I was forced to sell personal property to meet basic needs. I have already provided documentation from my bank clearly showing both transactions, including account verification and proof of the duplicate withdrawal. Despite this, CrossCountry Mortgage continues to send generic responses requesting the same documentation that has already been submitted. This appears to be a delay tactic rather than a good-faith effort to resolve the issue. I contacted the company to report the issue and request a resolution. The company advised that the matter would require several days for review, followed by an additional 35 business days to return the funds, if approved. Given the nature of the error and the hardship caused, this delay is unreasonable. Under Regulation E ( Electronic Fund Transfer Act ), financial institutions are required to promptly investigate and resolve unauthorized electronic fund transfers. The continued delay and repeated requests for already-submitted documentation do not reflect a timely or reasonable investigation. Issue ( s ) : Unauthorized or duplicate electronic fund withdrawal Failure to promptly investigate and correct an error ( Regulation E concern ) Repetitive and unnecessary documentation requests causing delay Financial harm caused by delayed resolution Requested Resolution : Immediate refund of the {$1600.00} withdrawal Expedited handling due to financial hardship Confirmation that submitted documentation has been accepted and no further redundant requests will be made Review and correction of internal procedures to prevent duplicate withdrawals and improper delay tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I moved in with my dad two years ago and I never had a credit card nor did I ever apply for a credit card. He informed me at that he had added me as an authorized user on his credit cards to help build my credit. This was done without my knowledge or mine or my mom 's consent. At the time I was a minor living with my mom. Fast forward to XXXX XXXX ... my dad and his wife have separated and I was planning to move back in with my mom. He was pressuring me to stay because of credit card debt and mentioned filing his taxes with his wife in order to pay it off. I did not understand what that had to do with me. I mentioned this to my mom when she picked me up to visit on XX/XX/XXXX. After we got home we pulled up my three credit bureaus and saw that credit accounts had been open with my SSN. I did not know that my dad this. He did not ask for my permission and I did not give my consent. I was completely unaware he had opened credit cards in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I had a fraudulent XXXX charge come through. I reported it immediately. They cancelled the card and sent me new ones. Over the next couple days I had fraudulent charges appear from several other places. I reported those. Again cards were cancelled ( that I didn't even have yet ) and new ones sent. Problem continued on closed locked cards. I contacted Chase again. They refuse to even listen to the issue. Which is pretty huge! They have not done anything at all to rectify the fraud reports or credit my account for said charges. They refuse to do anything at all and even hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
We had purchased a XXXX XXXX XXXX in XXXX of XXXXXXXX XXXX XXXX was the company that we received the loan from, which was for {$17000.00}. The monthly payments were XXXX a month. We have paid over {$14000.00} for this car. In XXXX of this year, when we tried to trade in the vehicle, we found out that we couldn't trade it in because they didn't allow it, and that the loan was STILL for {$17000.00}, and we couldn't understand because we were making payments. We were then told by the dealer to call them and ask for a supervisor so we could find out why our loan was STILL {$17000.00} after 3 years. When we called, we were told that ALL the payments were ONLY applied to the interest and the principal of the Vehicle. We were very angry about this because we are paying over {$20000.00} for a vehicle that is not worth the price. If we knew that this company did this, we would have never signed the loan agreement. When I recently called the company and asked for the original contact as well as my payment history, I didn't understand why, after 3 years, we still have over {$16000.00} left on this loan. We work hard for our money, and yes, we have had hardships along the way, in which we did get deferrals from the company, but it still didn't add up, and why we haven't made a dent in this loan. I even told them I would give back the car, and one of the representatives said that they would work with us and set up a payment plan that I would pay XXXX a month. In which I paid it, and then when I called back, I was told by someone else that I couldn't do it, and I would have to pay at least XXXX in order for me to get a payment arrangement. This has been going on back and forth with this company. I even tried to get a deferral in XXXX of XXXX, and when I was approved, they were supposed to send me the email for me to fill out the paperwork for it. I never received it. When I tried to get in contact with the company, it was either an extremely long wait to speak to anyone, and when I did, the phone was cut off, and I had to start over. When I did try to explain what the issue was to the representative, I was told I was no longer a candidate for the deferment because I owed too much, and I had to make a payment of XXXX before they were able to help, which has been a pattern with this company. Every time I called, there was a different excuse for why they couldn't help me. So now they have been sending me emails and threatening me to take the car, and I think that is horrible, especially when we have paid over {$14000.00} for a car that is now worth only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
Nothing happened. XXXX XXXX XXXX XXXX XXXX branch ) messed up my account and is holding my money. She refuses to send me a check. All within the last 2 weeks. {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
I contacted this company directly as well as through the credit bureau and the refused to help me resolve this issue. I never had an account with att and this company purchased this account for profit although the account was inaccurate and was not my responsibility. Instead of resolving the problem correctly they ignored my complaints and attached this debt to me and my credit anyway which should have never been done

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OK

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
The date of the transaction was XX/XX/XXXX. {$19000.00} plus other payments as well. I did not receive the notifiction in the mail about the repossession, because I no longer resided at the address on file. I ask a rep at Nissan Motor Acceptance to all me to extend my loan by putting my late payments at the end of my contract. I was told NO. The car was repossessed on XX/XX/XXXX. I called Nissan Motor Acceptance XX/XX/XXXX to retrive documnets to dispute the transaction. I was told I would need an attorney to retrieve the documents for me. I requested the application used to establish the debt, account ledger showing where teh down payment went, all respective diclosures pursuant to regulation Z, the appendix H8 recission disclosure form and account ledger to where at currency was directed on my behalf.I called XXXX XXXX XXXX to see where did the refund go for the cancellation of my service contract as well as warranty. I was told it was sent to Nissan Motor Acceptance. The creditor did not inform me it was accelerating the debt nor did it send the consumer right to cure default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Oliphant United, Inc.
State: MO

Complaint narrative:
Nearly a year after me asking the company to validate the debt they failed to do so. Because they failed to validate the death, they were asked to cease and desist A XXXX XXXX XXXX was filed against them which they received, and they were told to stop all communications with me because they failed validate the debt Now nearly a year later they have contacted me again, but still have validate the debt so they were more firmly told to stop all collection activity, but they continue to contact They have placed the alleged debt on my credit report, which is the first time in 83 years. Ive had a negative entry. It is not lawful for them to contact me nor is it lawful for them to proceed with collection activity when they have not validate the alleged I am an XXXX woman living on XXXX XXXX and their harassment of me and ruining my credit report for something that I dont owe is profoundly negatively affecting my health. They have been advised repeatedly to cease and assist and yet they are sending letters to my home They have Been told that I will not pay this invalidate and yet they continue to proceed with collection activity I am forced to constantly pursue them in any way possible in order to get them to obey the law and to leave me alone and stop placing this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have disputed this debt on my XXXX XXXX account multiple times with each time being denied. I am the victim of identity theft as reported to the ftc and the nys attorney general. Someone stole all my info and used it to open up credit in my name charging XXXX of dollars to my credit report. I cant remember the dates or times because I have XXXX XXXX XXXX XXXX but I have written notes on what was disputed. This isn't my account.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates regarding inaccurate, inconsistent, and misleading reporting of a collection account on my credit report. This account, originally associated with XXXX XXXX, is currently being reported in a conflicting and inconsistent manner across the credit bureaus. Specifically : * The same debt appears to be reported under different trade lines, including PORTFOLIO and PORTFOLIO RECOV ASSOC * One account is reported as open with a late payment status, while another is reported as closed * Key account details are incomplete or missing, including account numbers and other critical information These discrepancies create a misleading and inaccurate representation of the account. Additionally, as a debt buyer, Portfolio Recovery Associates is required to provide proper validation of the debt, including proof of ownership and documentation showing that I am legally responsible. To date, no such documentation has been provided. Under the Fair Credit Reporting Act ( FCRA ), debt collectors are required to : * Report information that is accurate, complete, and not misleading * Ensure consistency across all credit bureaus * Provide proper validation of any debt being reported The current reporting does not meet these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
4 years ago, I had a XXXX savings account for my XXXX child with XXXXXXXX XXXX XXXX XXXX. The account had between $ XXXX {$1200.00}. When XXXX XXXX XXXX merged with Suntrust and changed their name to Truist, I left the account alone since my child is still a XXXX and the money was just a savings account to use in the future. Today, I went to a Truist branch with a deposit ticket that has the account 's number on it, and asked about the account. I was told that they have no record of that account number, and no record of his or my SSNs, or any record that an account ever existed there. They told me that once an account has been closed for 6 months, that it's wiped from their system and they can no longer see it, but if I called the XXXX number, they should be able to see it. I called the customer service number and was told the same thing.... they have no record of that account ever existing. I told them that 4 years ago, there was a balance in the account. I know this for sure, because I was going through a divorce, and had to provide the account number for the documentation. I understand if the funds were sent to " va unclaimed property '' for being inactive ( although, I've checked the unclaimed search and there is no record there ) or possibly his father withdrew the funds ( which I really don't think happened ) but they should at least be able to tell me if one of those 2 things happened instead of just saying the account has been wiped out of their system and they have no record of it ever existing. What if I was being audited by the IRS.... they can go back 5-7 years and I would need documentation.... how would they provide that? In fact, I was told by Truist that even my own personal checking and savings accounts that started with XXXX XXXX XXXX and then transfered to Truist no longer exist in their system, and I had those accounts for years as an employee of XXXXXXXX XXXX XXXX. Someone should be able to tell what happened to the {$1200.00} that I had in my child 's savings account 4 years ago.

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