vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I am filing a formal complaint against PennyMac Loan Services and its third-party vendor CoreLogic regarding materially conflicting escrow reporting and an improper collection threat stemming from an admitted internal error. My mortgage servicer, PennyMac, has issued official annual escrow analyses each year, as required under Real Estate Settlement Procedures Act ( RESPA ). My most recent escrow analysis reflects a surplus balance of {$1500.00}, indicating my account is properly funded with no shortage or deficiency. Simultaneously, their third party vendor, XXXX, is threatening me with collections for {$9500.00}, claiming reimbursement for property tax payments. However, XXXX has explicitly acknowledged that this balance is the result of their own inadvertent or erroneous internal processing error, in which funds were misapplied and duplicate tax payments were made over a period of approximately four years. They are threatening to send me to collections personally on XX/XX/2026. Per RESPA, servicers are required to provide accurate annual escrow analyses. My most recent statement showing a {$1500.00} surplus in my escrow account does not support XXXX 's {$9500.00} demand for repayment. This situation presents a clear and unacceptable contradiction : - My servicers official escrow documentation shows a surplus, not a deficiency - The alleged debt arises solely from a third-party vendor error, not from any action or obligation on my part - CoreLogic is now threatening to send this amount to collections by XX/XX/2026, despite this amount arising solely from an admitted internal error. XXXX 's own correspondence explicitly states that this matter stems from an internal error involving erroneous or inadvertent tax payments processed by CoreLogic and not from any action, authorization, or financial deficiency on my part. Additionally, I have spent many hours attempting to resolve this issue across multiple parties, including PennyMac, XXXX, XXXX XXXX tax offices. Initially, PennyMac representatives advised me to disregard XXXX notice and confirmed my account was in good standing. Only after repeated follow-ups did PennyMac acknowledge an issue, yet I have received no meaningful resolution or follow-up, despite at least four additional calls and submissions through their message center. This has created unnecessary stress, confusion, and potential harm to my credit due to a situation entirely outside of my control. I have relied on PennyMacs official escrow analyses in good faith when making financial decisions for my household. The discrepancy between their reporting and XXXX actions is unacceptable and raises serious concerns regarding compliance with RESPA escrow requirements. I am attaching supporting documentation, including my most recent escrow analysis and threatening letters from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-04-21 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I booked a hotel through the American Express website, to take advantage of my {$300.00} credit. As their website states : Get up to {$300.00} back semi-annually on select prepaid hotel bookings through Amex XXXX using the XXXX XXXX. I navigated and searched my city and dates through their XXXX XXXX website on the Amex XXXX, selected a hotel, and prepaid for it with my Amex ( which was higher than booking with the hotel directly and which I assumed I would get as a credit down XXXX XXXX from Amex ). I completed the stay and did not receive my credit. When I reached out a few weeks later, they said my hotel choice did not qualify, which seems exceptionally deceptive. The hotel via Amex was a higher nightly rate than booking with the hotel directly and I expected a {$300.00} credit. Why list hotels within your search options that are not included in your 'Fine hotels ' promo, if you do not plan on crediting your consumers? This seems fraudulent and to be deceptive marketing practices designed to gouge cardholders to pay higher rates, anticipating a credit, to then change the story after it is booked. No where in the booking process did they inform me that this hotel would not qualify. They tell me a confirmation email was later sent and in the fine print it said the hotel does not qualify- however it was prepaid and too late for me to cancel or change it. Deceptive indeed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'I attach a letter that I will send again to Bank America to reopen the claim\n\nSubject: Formal Request for Case Review and Reopening Due to Unauthorized Transaction XXXX XXXX XXXX XXXX XXXX XXXX\n\nDear Bank of America,\n\nI am writing to you again regarding an unauthorized transaction that occurred on XXXX XXXX XXXX, in the amount of XXXX at XXXX XXXX, charged to my debit card.\n\nI have previously submitted two disputes regarding this same case, both of which were closed stating that your investigation determined that I authorized the transaction. However, I completely disagree with this conclusion, as I did not make, authorize, or permit this purchase at any time.\n\nOn the same day, two additional attempted withdrawals totaling XXXX were made at ATMs, which were blocked by the banks security measures. This further supports the suspicion of fraudulent activity on my account, as these transactions were inconsistent and not recognized by me.\n\nI formally request the following:\n\n1. The immediate reopening of this case.\n2. A detailed and specific explanation of the evidence used to conclude that I authorized the transaction.\n3. A full review of all available records (location data, IP address, device information, signature, authentication methods, or any other relevant evidence).\n4. A comprehensive review that includes the attempted unauthorized withdrawals that occurred on the same day.\n\nI reaffirm that this transaction was not authorized by me and request a thorough and transparent investigation. If I do not receive an adequate resolution, I will escalate this matter to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau (CFPB).\n\nI look forward to your prompt response.\n\nSincerely,\n\nXXXX XXXX XXXX XXXX XXXX XXXX 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
payments were made from account through XXXX that over drafted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am writing to file a formal complaint and request an investigation pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate and incomplete credit reporting by XXXX.Tried to return equipment tot keep balance from increasing years ago, would not accept return, been getting emails daily, tired of being harrased aqnd this affecting my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: IL

Complaint narrative:
I had a previous XXXX insurance policy that was cancelled. My mortgage company paid the cancelled insurance. After showing them the insurance was cancelled before the insurance renewed. They continued to give me the runaround. I gave them a letter showing the policy was cancelled and they did not receive any money. The escrow is still short and my mortgage has increased hundreds of dollars. Instead of assisting me with fixing the escrow account and reevaluating my payments. The mortgage servicer has told me to contact the insurance company directly because they can not. Im missing over XXXX XXXX dollars of my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I initiated an order for a laptop utilizing XXXX XXXX, financed through Synchrony Bank. The item has not yet been received. Initially, I filed a dispute with XXXX, which was subsequently denied. I then escalated the case with XXXX. Following XXXX 's initial denial, I submitted a dispute directly with Synchrony Bank, the issuer of the credit account. On XX/XX/XXXX, the same day I filed the dispute with Synchrony Bank, I received a call from XXXX 's senior management, who offered an apology for their initial decision, acknowledging the strength of the documentation I provided.I was subsequently informed that XXXX communicated with XXXX and confirmed that the tracking number provided by the seller indicated that the delivery was not made to me, nor was I the recipient. Consequently, the case was resolved in my favor, and a full refund has been issued. I possess substantial evidence, including a letter from XXXX confirming that the tracking number provided by the seller indicated the package was not delivered to me, as I was not the designated recipient. I have also filed a police report. Unfortunately, I neglected to withdraw the dispute with Synchrony Bank. XXXX 's subsequent actions are entirely unacceptable. They reversed the transaction despite XXXX closing the case in my favor, citing a billing error from the merchant. This was clearly not a billing error. XXXX unequivocally closed the dispute in my favor. I require XXXX to thoroughly review my evidence, specifically the XXXX letter, and process my refund. This situation is completely unacceptable. XXXX decision letter Police Report XXXX official letter

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Hello my name is XXXX XXXX XXXX. A former member from TD BANK. On XX/XX/year> I received an alert from TD BANK indicating that my account had immediately closed. I opened my account on XX/XX/year> and after I received XXXX direct deposits for a total amount of {$4200.00} account suddenly closed. I had to pay all my bills and stayed without any funds. I came into the branch office to provide my verify my identity once again and I did not get a specific response as far why my account close. How unfortunate. I was told by the branch office assistant XXXX that someone placed XXXX codes on my account XXXX and XXXX. Also, that someone from TD BANK completed a second review and that my account was not frozen it was closed. Also, when I called in earlier to confirm a transaction from XXXX a rude representative mentioned that because of the XXXX transactions my account was placed on hold. He was very argumentative over the phone only because I spoke XXXX and my wife translated for me. Horrible experience with TD BANK and will never ever come back. I hope that this complaint does not go unknown and is taken into consideration. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple accounts being reported on my credit profile that are inaccurate, unverified, and in violation of the Fair Credit Reporting Act ( FCRA ). I previously disputed these items directly with the credit bureaus and furnishers ; however, they have failed to provide proper validation or documentation as required under federal law. The following accounts are in dispute : XXXX Portfolio Recovery Associates balance of {$1600.00} This debt has not been properly validated. I have not been provided with a signed contract, full account history, or proof of assignment from the original creditor. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide validation of alleged debts upon request. To date, the companies listed have failed to provide : XXXX Original signed agreements or contracts * Complete and accurate payment histories XXXX Proof of ownership or assignment of the debt ( for collections ) XXXX Evidence of permissible purpose for the hard inquiry Their failure to properly investigate and validate these accounts constitutes noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I did not authorize anyone to access my credit file, and I did not apply for any new credit. Any inquiries made without my permission may constitute violations of the Fair Credit Reporting Act, including obtaining a consumer report without a permissible purpose under 15 U.S.C. 1681b and false pretenses or unauthorized access under 15 U.S.C. 1681q. If my personal information was used by another party, such conduct may also implicate identity theft and fraud statutes. These inquiries appear to be the result of fraudulent use of my personal information or may be connected to a recent data breach. I request an immediate investigation, written verification of the permissible purpose for each inquiry, and removal of all unauthorized inquiries from my credit report.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I am the owner of a business account with Square. I lost access to my account due to two-factor authentication after changing my phone number. As a result, I am completely locked out and unable to access my business funds. I first contacted Square customer support approximately four weeks ago and was told the issue would be resolved within 12 business days. After receiving no update, I followed up multiple times over the next several weeks. During one call, I was given an escalation number and again told to expect a resolution within 12 business days. Despite repeated follow-ups over the course of four weeks, I have received no resolution, no meaningful updates, and no clear timeline for restoring access to my account. Each time XXXX contact support, I am given the same response that the issue is still under review. I have also requested to speak with supervisors multiple times and have been told that no further action can be taken. This situation has prevented me from accessing my business funds and is causing financial harm to my operations. I am requesting immediate restoration of account access or a clear and prompt resolution. escalation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: UT

Complaint narrative:
Account # XXXXXXXX XXXX XXXX XXXX Jefferson Capital Systems LLC is reporting an alleged debt of {$150.00} on credit report that I have disputed three ( 3 ) separate times. Despite my repeated disputes, this account continues to be reported without proper verification or valid documentation to substantiate the debt. I have formally requested, on multiple occasions, the following : - A fully itemized statement of the alleged debt including original principal, interest, and fees- A copy of the original signed contract or agreement between myself and the original creditor - Proof of Chain of Title showing Jefferson Capital 's legal right to collect this debt - The full legal name and address of the original creditor Jefferson Capital Systems LLC has failed to provide adequate verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and has failed in its duty as a furnisher of information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), to conduct a proper investigation upon receiving notice of my dispute. Despite this ongoing dispute, Jefferson Capital Systems LLC has continued to report this unverified account to XXXX and XXXX, causing ongoing harm to my credit score and financial standing. The account has not been marked as " Disputed '' as required by law, and TransUnion has failed to delete the unverifiable information after multiple reinvestigation requests. This is my third dispute attempt. Each prior dispute was met with either no response from XXXX or a blanket verification with no supporting documentation provided to me. This pattern of conduct constitutes willful noncompliance with federal consumer protection law and has caused me repeated financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Since I have two accounts with Aargon Agency Inc. that I am currently fighting to get proof that they have the legal right to collect or own the debt, the " Describe what happened '' is fairly similar to the other one. I send Aargon Collection Agency a certified mail and receipt letter stating under the Fair Debt Collection Practices Act I would like the following from them : 1. Name of the Original Creditor 2. Full Account Numbers from the Original Creditors 3. Exact Amount Allegedly Owed 4. Complete Payment History ( including how the amount was calculated ) 5. Proof that Aargon Agency Inc. owns the debt or has been legally assigned to collect They have failed to provide # 5 ( proof that Aargon Agency Inc. owns the debt or has been legally assigned to collect ) so I called them on XX/XX/2026 and the live agent told me in exact words " Yeah that's not happening '' once more under the FCRA I am within my rights to get documentation that the collection agency owns or has been legally assigned to collect the debt once more Aargon is in non-compliance with the law. Also I never knew Aargon Agency was charging me for this account as I never got it in the mail. The address they have on file is my physical address I do not receive mail there only in my PO BOX .

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: AZ

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation