vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
I originally filed a complaint against this company XX/XX/XXXX # XXXX, see that old complaint if needed however the issue was not resolved so this is a new complaint regarding the same issue. We used to have XXXX XXXX as our homeowners XXXX XXXX. When we canceled our policy XX/XX/XXXX XXXX XXXX erroneously sent our refund for {$3400.00} check # XXXX to Rocket Mortgage and they then erroneously cashed that check & misapplied it. XX/XX/XXXX Rocket Mortgage acknowledged the problem & claims to have sent the money back to XXXX XXXX on XX/XX/XXXX for {$3400.00}. Once XXXX XXXX received the money back, they said they will refund it to us immediately. Rocket Mortgage provided fedex tracking and claim it was received by Vermont XXXX XX/XX/XXXX but XXXX XXXX claims to have never received it. I have asked Rocket Mortgage to provide proof the check for {$3400.00} was cashed by XXXX XXXX both via email & telephone calls and no one from Rocket Mortgage will return my calls or emails. I was dealing with XXXX XXXX at XXXX XXXX and she is not responding to me at all. As of today, XXXX XXXX is claiming they have not received the funds back from Rocket Mortgage. This is now criminal, this money is owed to us and no one will help me get the money back. Please help me & have Rocket Mortgage verify if their check was in fact cashed so I know who to collect my {$3400.00} back from that I have been owed since XX/XX/XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a frustrating situation with my acccount on this bank, long time ago my account is closed by this bank in accordance with rules and agreements and understand that, the bank send me on XX/XX/year> a check that are the check number XXXX for XXXX USD but after many time my check are never cashed because are badly endorsed and damaged paper so at this point my money is not received by this bank and need attention from your side and simply request a new check to my new address but after go to a branch the bankers not able to help me because they said is not found any account with my details maybe for the time passed since the closure account so after that I have called phone support and is the same problem, so I just need a new check to be issue to my new address that are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. So I need a response and attention to this concern as a part of arbitration process.

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have had a lease with Toyota Financial Services ( TFS ) since XXXX. I had a XXXX representative help me set up auto payment in the beginning of my lease. They gave me the option to set up payment for the XXXX or XXXX of every month. I chose to pay on the XXXX of every month. Then on XX/XX/XXXX of XXXX, I got a message that I owed an additional {$72.00} on my car payment. When I spoke to a XXXX representative, they said that I owed over {$1000.00} in late fees. XXXX said that I owe this amount because " all of my payments have been late since all payments are due on the XXXX of every month '' When I explained that I was given the option to pay on the XXXX or the XXXX, the XXXX representative explained, " while yes, there may be an option to pay on the XXXX of every month, to get that option, it would have to be in writing, and since my contract says payment is to be made by the XXXX, and I did not notify XXXX in writing, this is why I owe late fees '' This is the first time I am hearing about any late fees and now I am also being told that my car payments have increased. XXXX sent me an email saying I owe {$760.00} by XX/XX/XXXX even though my XXXX car payment was already processed on the XXXX in the amount {$680.00}. Now XXXX has put my account in collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE 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 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 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint because Bank of America , N.A . is being identified as the current creditor on sworn bankruptcy Proofs of Claim filed in two separate bankruptcy cases, yet Bank of America has not provided or identified the written authority and record types supporting key actions taken in its name or on its behalf. On XX/XX/XXXX, a Proof of Claim was filed in my bankruptcy case identifying Bank of America , N.A . as the current creditor. The filing reflects the claim was submitted by an individual associated with the servicer, and it was signed under penalty of perjury as a creditors attorney/authorized agent. On XX/XX/XXXX, a new Proof of Claim was filed in my current bankruptcy case again identifying Bank of America , N.A . as the current creditor. The claim package reflects it was filed through foreclosure counsel and was signed under penalty of perjury by an individual identified as an Authorized Agent. Separately, on XX/XX/XXXX, I received a notice from the prior servicer stating the mortgage servicing would transfer to a new servicer effective XX/XX/XXXX. I previously raised concerns through the CFPB regarding the mortgage servicer relationship, but the responses I received were conclusory and deflected responsibility to the servicer without addressing Bank of Americas own written authorizations for ( 1 ) counsel/agents filing proofs of claim naming Bank of America as current creditor and ( 2 ) the servicing transfer to the new servicer. This complaint is based on new, specific documents and events, including the XX/XX/XXXX Proof of Claim and the XX/XX/XXXX servicing transfer notice, and is not merely a repetition of earlier complaints. I am requesting a substantive written response limited to the following : Identification and production of the written authority authorizing foreclosure counsel and the individual Authorized Agent to file the XX/XX/XXXX Proof of Claim on behalf of Bank of America , N.A . as current creditor. Identification and production of the written authority authorizing the individual/servicer-side agent to file the XX/XX/XXXX Proof of Claim naming Bank of America , N.A . as current creditor. Identification and production of the written authority/instructions by which Bank of America authorized , directed, approved, or ratified the servicing transfer effective XX/XX/XXXX. Because these are document-specific requests tied to sworn bankruptcy filings and a servicing transfer notice, I request that Bank of America provide the underlying authorization documents ( or confirm in writing that no such written authority exists ), rather than redirecting me to third parties.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclay 's Bank has reduced the credit line on this bank card ( 4 ) times in the last ( 24 ) months ; each activity negatively affecting my personal credit score accordingly. No other creditor has exhibited this practice against my personal cedit profile in ( 44 ) years. The last reduction took place in XXXX of XXXX, resuting in a ( XXXX ) point reduction in my personal credit score depsite no late payments and an overall reduction in credit usage of 14 %. Each time that I contact the bank to have the line restored I am told that the request does not meet their criteria for reinstatement ; this depsite exceeding debt reduction and continued sound payment activity. This predatory practice must be addressed and Barclay 's Bank must be held accountable for this arbitrary and capricious damage to my personal credit profile accordingly. My original credit line must be restored.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I formally disputed all unauthorized transactions charged to my checking account during the month of XX/XX/year> that were paid to XXXX XXXX XXXX around XX/XX/year>. Upon discovering the issue, I immediately canceled my debit card and submitted a dispute through the banks mobile application, followed by a written notice. I became aware of the unauthorized transactions after my card was declined due to insufficient funds. I did not authorize these charges ; however, the bank informed me that I was responsible because the card had not been reported lost or stolen. I disagree with the outcome.

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 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I talked to BMO about a balance transfer. They recommended a new card with 0 % interest for a year. I wanted to transfer from a credit card I had, XXXX, {$4000.00} to the BMOcard they recommended. My XXXX card still shows a balance of {$4000.00} incurring interest, and balance transfer didnt go through on their end, but BMO shows it did and balance {$4000.00}. So I am paying XXXX both accounts! I have tried to talk with BMO management for 3 months. They would tell ne they would handle this and haven't. They said they cant close account until {$4000.00} is paid! Im not paying {$4000.00} to BMO AND XXXX card. Please help me resolve this!

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
XXXX offered a promo for XXXX $ for opening both checking/savings and making required direct deposits and maintaining balances. I completed all activities and not pai the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
We were given a forbearance in our mortgage, because my husband who is a veteran had a XXXX and was on disability from work at the time, and then when he was able to go back to work I called the company to give them the HR 's letter stating he was discharged from disability. I was going to do what they had said and resume the payments in XXXX, because they knew from what we told them how long his disability would last. When I called it wasn't PHH anymore it was Onity and they said that our house wasn't ours anymore that the bank had bought it and sold it back to the VA. We hadn't heard anything about this. No letters had come in the mail. No calls. No emails. Nothing. I have made countless calls to everything I can find and spoke to the VA and they have no records of our loan on their end ( they looked it up by my husbands SSN ). When they changed their name from PHH to Onity our loan was mixed up. Also they paid our taxes in some strange way, but I checked online and have called the county clerk and it shows that I am not past due and my taxes are still there ready for me to pay. $ {$280.00}. While PHH XXXX in and paid {$590000.00} on XX/XX/year>. Nobody told us anything. My XXXX didn't alert me to any of this. We have had real estate agents creep around threatening us with cash for keys. A law firm from XXXX XXXX threatening us with eviction saying that the US VA owns our house and we must get out within 3 days but there is no court date anywhere. There is a fake VA number to call when you call it it will hang up on you. This is sounding more and more like a scam. Two lawyers in town have told me to not hand over my keys, but I need someone to help me prove this is a fake thing and that my loan was dropped through the cracks. My husband and I are in our XXXX 's and we have everything in this house. He has just had a XXXX and just gone back to work. Displacement could definitely cause him to have another XXXX. He is a XXXX with XXXX XXXX XXXX. I myself have health problems with XXXX and am his primary care giver. To move at such short notice and urgency is near impossible and nobody alerted us to this. I am asking for assistance in this because I it's detrimental that we stay here until we find out what is happening to the loan. The VA can not find it. Onity will not admit to having the same emails I have where I sent the forbearance information to them in XXXX. I even have the reply where they say they received it and it was submitted and they would call us- which they did. We are victims of a scam and about to lose our home. A veteran who is has serious medical health problems but still works full time is about to be homeless. Please, help us. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
I got my bill from Verve issued by the XXXX XXXX XXXX. 1st. they would not tell me my credit limit until I activated the card. Then I was charged {$140.00} dollars activation fee which was have the credit limit. XXXX for 2 months straight they say my bank refused payment. I have sent up auto payment, with the correct account information. But they continue to say the bank XXXX use refused payment. They have called me XXXX time and I got it all straight, but then I guess not. I was continuously given text messages saying my bill had not been paid. I have called them 3 times and each time tried to re enter my banking information XXXX was either hung up on or their was some form of break up in connection. All the time charging me outrageous fees and interest. This is nothing more than a plan of action I feel is a way to scam honest people and take advantage of them. This fraudulent in every way possible.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On Tuesday, XX/XX/year>, at approximately XXXXXXXX XXXX., I visited First Horizon Bank to seek clarification regarding a fraud claim letter I had received from the bank. Upon arriving, I was directed to XXXX XXXX for assistance. I explained that I was there because I wanted clarification about the letter. She asked whether I had called the phone number listed in the letter. When I replied that I had not, she responded, " Why are you here if you haven't called the number? '' She further stated that she could only do what I could have done myself. XXXX XXXX then reluctantly called the number listed in the letter and spoke with an employee named XXXX. During the conversation, XXXX XXXX told XXXX that she had no idea what I was talking about. While on the call, XXXX XXXX asked whether I had the card that was referenced in the fraud claim. I informed her that I did not. XXXX XXXX then handed the phone to me and instructed me to speak directly with XXXX. As she did so, she stated, " I can't deal with this today. I don't have time for it, '' and left me at her desk to handle the matter on my own. I spoke with XXXX and was able to resolve the issue. When XXXX XXXX returned to her desk, I told her that she should not be working in customer service if she did not know how to treat customers respectfully. In response, XXXX XXXX raised her voice and said, " Get out, get out. You don't know me like that. '' Following this exchange, two security guards escorted me out of the bank. As I was leaving, I told the guards that it was wrong for a bank employee to tell a customer that she did not have time to assist them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On either XX/XX/XXXX or XX/XX/year>, I chatted online with Rocket Mortgage about having PMI removed from my mortgage. Two different agents told me that if I made an exact lump-sum payment ( such that my XXXX were reduced to 80 %, given the original purchase price of the home ), that my PMI would be removed. However, after making the lump-sum payment, I was then told by Rocket Mortgage that Fannie Mae required an appraisal to remove PMI, and that I would need to pay for this. If this appraisal were to come in below the original purchase price, then the PMI would stay. Rocket Mortgage did not tell me about this prior to me making the lump-sum payment. Furthermore, Rocket Mortgage refused to send me the chat logs in which multiple agents told me that PMI would be removed upon making the lump-sum payment. These agents misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Consumer Financial Protection Bureau Complaint I am XXXX XXXX, and I am submitting this complaint regarding XXXX Banks decision to deny me a banking relationship. In XXXX, my Chase account was closed after my sister attempted to deposit checks that were later returned unpaid. The checks were made payable to my sister, not to me, and no funds from those checks were ever withdrawn, spent, or used by me. I attempted to explain this to XXXX at the time. More than XXXX years later, in XX/XX/XXXX, I applied for and opened a XXXX XXXX Banking account ( Account No. XXXX ). The account was successfully opened and remained active for approximately XXXX week. XXXX then closed the account and informed me that it no longer wished to do business with me. I was not provided with a meaningful explanation for the closure. I no longer have a copy of the closure notice, but XXXX should be able to locate the account and review the records associated with its closure. I am requesting that XXXX review my banking history and any internal restrictions that XXXX still exist as a result of the XXXX incident. Given that more than a decade has passed, that the checks in question were not payable to me, and that the funds were never used by me, I respectfully request reconsideration of any restriction preventing me from opening and maintaining an account with XXXX. I am currently employed in a position that requires me to maintain a secure and reliable banking relationship. I am also actively working to build my credit and strengthen my financial profile. For these reasons, I would like the opportunity to establish a banking relationship with Chase. I respectfully request a written explanation of Chases decision, a review of my eligibility to bank with Chase, and reconsideration of any internal restriction that may be preventing me from opening an account. Thank you for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CA

Complaint narrative:
I originally had an XXXX XXXX Citibank credit card and an XXXX XXXX XXXX credit card which provided different airline benefits. Earlier this year the XXXX card was transferred to Citibank ( not my decision ) so now I have 2 credit cards with the same annual fee and benefit. I do not need 2 cards but I also did not want to lose the credit limit on one of the cards which would impact my XXXX XXXX. I called to request a credit reallocation and I was refused with no explanation provided either by the original representative I spoke with a supervisor who also refused any kind of explanation or offer any type of solution given my situation and request. Given this recent development by XXXX and Citibank I am probably not the only person in this situation. I have a stellar XXXX XXXX and always pay off my balance every month so I am not a credit risk. The supervisor was very rude and when I asked for their name so that I could file a complaint against them they refused to give it to me and then hung up on 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 non-monetary relief