vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/year> I was approved for a Temporary Hardship Forbearance Plan through PHH Mortgage Services ( now Onity Mortgage Corporation ) with a plan expiration date of XX/XX/year>. On XX/XX/year> two days before my forbearance expired I submitted a Mortgage Assistance Application to the servicer. I received two automatic email confirmations acknowledging receipt of my application, one specifically referencing my account and Mortgage Assistance Application. Their acknowledgment stated to allow up to 7 days for processing. On XX/XX/year> only 7 days after acknowledging my active application and before their own stated processing window closed the servicer issued a Notice of Default demanding {$5900.00} by XX/XX/year>. Between XX/XX/XXXX and XX/XX/year> the servicer reported my account as 90 days late to XXXX, causing my credit score to drop XXXX points. This constitutes a dual tracking violation. The servicer pursued default and negative credit reporting while my Mortgage Assistance Application was actively pending. I am requesting immediate correction of the default notice, correction of the negative credit reporting, and processing of my forbearance extension request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On the XXXX of XXXX, 2023, my cousin went to XXXX in XXXX to purchase a car. Due to her credit at the time, she needed a co-signer. The dealer called me at home and I agreed to be a co-signer and she agreed that she would refinance within XXXXmonths to a year in order to get my name off the loan. The first year she paid on time and then the late payments started. I noticed that the " Late '' notices/emails were coming in my name. So I called the finance company ALLY to see about removing my name by signing a co-signer release form. Thats when they explained that I couldn't be taken off the account because I was the owner of the loan. I tried to explain that I was a co-signer not the owner and in their papers they said the dealer submitted me as the owner and my cousin as the co-signer. They said I had to take it up with the dealer. I tried calling on several occasions but would be put on hold or told the manager wasn't available. I went in person last year and they said that when a person has a co-signer they use the higher credit as the main person... They never disclosed this info to me. If I had known this, I would never had agreed. My cousin is constantly being late now and has messed up my credit very badly. I was in the process of selling and buying a smaller home, as I am a retired teacher and have developed physical health issues. I was denied due to the impact her late payments have had on my credit. I have tried reaching out to her and she has now blocked me. I feel XXXX did what they needed to get that sale without my permission and I want my name off that loan. I even spoke with the sheriffs office to see if i could get the car but the dealer put the title in my cousin 's name and the Loan in my name as though I purchased the car for her. I feel this is fraudulent and XXXX took advantage of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This company calls me several times a day after Ive requested to not be contacted. I reached out in writing and gave my phone number and told them to stop. They call multiple times and will call then hang up. Its extremely harassing and I need them to stop as ive in writing said cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I disputed a charge related to a flight purchase with XXXX XXXX and the associated travel credit issued from that purchase. I was unable to use the remaining travel credit because XXXX XXXX later ceased operations entirely, making the credit permanently unusable. I filed a dispute with my credit card issuer after attempting to resolve the issue and understanding that the travel credit could no longer be redeemed. The issuer denied my dispute solely on the basis that the transaction was past the time allowed to pursue credit through the dispute process, without addressing the underlying issue that the merchant failed to provide the remaining value of the travel credit due to business closure. I am requesting reconsideration because the inability to use the travel credit was caused by merchant insolvency and cessation of operations, not by delay in filing or lack of purchase validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: FL

Complaint narrative:
A Student loan was opened in my name without my knowledge or authorization. I disputed the account with the company and explained that I did not apply for or authorize this account. I requested proof of the original application, signed documents, identity verification records, and any information showing how the account was opened. The company has failed to provide sufficient proof that I authorized this account and continues reporting or attempting to hold me responsible. I believe this account is the result of identity theft/fraud and I am requesting that the account be removed and that all negative reporting related to this account be corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
Radius Global Solutions has placed a collection account in the amount of {$290.00} on my credit report. I have no contractual relationship with this company and have never received a proper validation notice as required under FDCPA 1692g and CFPB Regulation F. I sent a certified debt validation demand on XX/XX/year>. Despite being legally obligated to cease collection activity pending validation, the account remains on my credit report. This unverified collection is damaging my credit score and preventing me from securing housing. I request that the CFPB investigate Radius Global Solutions compliance with the FDCPA, FCRA, and Regulation F, and compel removal of this unverified tradeline.

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 2026-05-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding a persistent block within the Ultimate Rewards platform that prevents the combination of household rewards points. This is despite them specifically guaranteeing point transfer available between household members such as husband and wife here. Despite 45 separate telephone inquiries and multiple technical help desk escalation requests submitted by phone reps over several weeks, the bank has failed to resolve the database issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was trying to get a loan from a company claiming to be " XXXX XXXX XXXX '' Based in XXXX NY. They deposited XXXX fraudulent checks into my bank account, XXXX into my checking and XXXX into my savings account. Both amounting to {$270.00} each. I called CitiBank Monday XX/XX/XXXX letting them know that I suspected fraud due to the checks not even having my actual address on them and they accessed my bank account to submit the transfers. I tried to resolve with citi but they are saying that I am liable for the funds bouncing even though I warned them and we closed and reopened my account because of this situation. The checks were deposited on XX/XX/XXXX and XX/XX/XXXX. CitiBank also cleared the checks without actually checking to make sure I made the deposit. The address doesn't even match up with my personal address. It says Ohio, I've never even step foot in Ohio before.

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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Three payments were made from the XXXX XXXX XXXX XXXX XXXX - XXXX Paypal account. All were to an account apparently owned by XXXX XXXX at the email address XXXX, all 3 were made on XX/XX/XXXX ; the 1st in the amount of {$580.00} XXXX XXXX PDT ; the XXXX in the amount of {$500.00} at XXXX XXXX PDT ; and the 3rd in the amount of {$380.00} at XXXX XXXX PDT. All three were characterized as as " Friends and Family '' payments by Paypal. None of these payments were made by anyone associated with XXXX. The funds were taken, first, out of the amount in the Paypal account. When that was depleted, the funds were taken from our linked XXXX XXXX account. I contested these payments with Paypal on XX/XX/XXXX. However, Paypal denied the claims, sayiing : " Based on our review, we found this transaction is consistent with your PayPal transaction history. '' We have made several other payments during the past two years, all of them to XXXX -- never to anyone else. When the claims were denied, I appealed Paypal 's denial of the claims. I called them at least 5 times during the process, but was unable to obtain any additional information to support their denial. At the time these payments were made, Paypal failed to adequately protect our account from fraud. Unlike banking institutions, Paypal did not log me out of the account when I closed the browser, nor did they close the session if there was no activity for a period of time. Instead, the account stayed open, so that if someone hacked into my computer ( which is what I suspect happened ), they could just go to www.paypal.com and have immediate access to our funds. Since I made the claims, Paypal as begun taking additional steps to protect the users ' funds, by logging us out of Paypal after a period of inactivity or when the browser is closed. Therefore, I am reporting Paypal 's conduct to the Consumer Financial Protection Bureau, in the hopes that the CFPB can assist in the return of the total amount of the fraudulent payments ( {$1400.00} ). Thank you! XXXX XXXX on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company is violating my rights they have not provided validation Information. Under XXXXXX/XX/XXXXXXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C. XXXX ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I sent my debt validation request via certified mail on XX/XX/XXXX The company has not yet responded. I am filing this CFPB complaint simultaneously because I have documented bank statement proof showing this debt of {$120.00} was paid in full on XX/XX/XXXX, and this collection should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Thursday XX/XX/XXXX. I used my card to send money to my family around XXXX. In the evening around XXXX I wanted to pass money to my XXXX XXXX account it said I could not. I opened my citi bank app and noticed it was blocked. I never received an email or a text nothing. I called them and they send me from one place to another and told me I had to call the next day to get information. I called the next day at XXXX and was told they could not tell me why my account was blocked because I need a reference number that they only send my regular mail. I said okay how long for the letter 7 days and its today Monday already pass the 7 days and they have not sent anything and I called today and I get the same response. I told them to ask me what ever they need to ask I will respond. My account should have around XXXX XXXX and my saving XXXX XXXX. I even went to one of their branches and their associate told me to lend money to someone else until this was resolved. She even said dont put all your money in the bank. I work and I am not rich I have bills to pay and this week I get paid again. They are going to continue to hold my money. I need them to let me know why and then I want to close this account. This bank is bad. Look at all their social media everyone is complaining and they dont answer.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding unfair late fees and interest charges on a newly opened credit card, caused by a notification system failure and poor customer service. Timeline of Events : - Account Opened : XX/XX/year> - First Statement : XX/XX/year> ( Only XX/XX/XXXX days after opening ) - Payment Due : XX/XX/year> - Discovered Fees : XX/XX/year> On XX/XX/XXXX, I found a {$30.00} Late Fee and {$130.00} in Interest Charges on my account posted on XX/XX/year>. As a brand-new cardholder, I never received any statement payment reminders via email. I immediately paid off the whole card balance ( {$8500.00} ), and contacted customer service on XX/XX/XXXX and spoke with XXXX XXXX from the Escalation Team. XXXX XXXX stated that Bank of America tried to send reminders, but their system flagged my XXXX address as " undeliverable. '' However, this is completely false, as I have been consistently receiving all other promotional and transactional emails from Bank of America to this exact same XXXX address without any issues. I also have checking and saving accounts with BOA, which never have any email delivery issue in the past decades. XXXX XXXX refused to take responsibility, explicitly claiming the delivery failure was " the responsibility of myself and XXXX '' and had " nothing to do with Bank of America. '' It is highly unreasonable to blame the consumer for a delivery failure within Bank of America 's own notification system, especially when my email is fully functional. Bank of America failed to ensure proper delivery of the statement payment reminder, then penalized customer for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I requested to this company in different occasions to validate this debt. 1. Verification of the debt, including the amount and how it was calculated. 2. A copy of the original signed contract or agreement bearing my signature that establishes my legal obligation to this debt. 3. The name and address of the original creditor. 4. Proof of companys legal authority to collect this debt in the State of Florida, including assignment or purchase documentation. 5. Proof of accurate information to the credit reporting agencies, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Processing Solutions, LLC
State: PA

Complaint narrative:
XXXXPioneer Credit Recovery (PCR) is collecting on XXXX XXXX loans totaling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing this debt for the following reasons:XXXX XXXX XXXX XXXX XXXX letter included XXXX in unitemized "administrative costs" with no breakdown or legal basisXXXX I sent a certified mail dispute letter on XXXX XXXX XXXX XXXXUSPS trackingXXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding validation under 15 U.S.C. 1692g, including: signed personal guaranty, itemized admin cost breakdown, complete cross-servicing file, and proof of authority to collect.XXXX Despite my timely dispute, PCR sent a XXXX collection notice dated XXXX XXXX XXXX demanding XXXX a different amount than previously stated without providing any validationXXXX PCR has not provided any of the requested documentation.XXXX. My spouse\'s personal guaranty on XXXX XXXX may violate the Equal Credit Opportunity Act (ECOA) XXXX is not a community property state and spousal guarantees on business loans require independent credit justificationXXXXI request that CFPB investigate PCR\'s collection practices and require full validation before any further collection activity.'

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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$1100.00} through XXXX from my JPMorgan Chase Bank account ending in XXXX to an individual who falsely represented an investment opportunity. I later discovered that this was a fraudulent Ponzi-style scam and that I had been deceived into sending the funds. On XX/XX/year>, after realizing I had been scammed, I immediately contacted JPMorgan Chase Bank to report the fraudulent transaction and request assistance in recovering my funds. During my report, I provided all information available to me regarding the recipient and the fraudulent activity. Chase informed me that because the transaction was completed through XXXX, reimbursement would likely not be provided. However, I expected my bank to properly investigate the fraud and protect my account information. On XX/XX/year>, shortly after reporting the fraud claim, the individual who received the funds contacted me directly and attempted to pressure me into withdrawing or releasing the fraud complaint after their account was apparently restricted or frozen. This raised serious concerns for me regarding customer privacy, fraud investigation procedures, and whether information connected to my complaint may have been disclosed. I contacted Chase again to inquire about my fraud claim and to ask how the recipient became aware of my report. I also requested information regarding what may have been communicated to the recipients bank. Chase informed me they could not provide that information. During this follow-up call, the fraud supervisor was dismissive and unhelpful regarding my concerns. I was told that I needed to file my claim directly with XXXX. When I asked for XXXX contact information so I could properly follow up, I was told to XXXX the information myself. I found this response unprofessional and unacceptable given that I was attempting to report financial fraud and seek assistance from my bank. I am requesting : A full review of the fraudulent XXXX transaction Reimbursement consideration for the {$1100.00} loss A review of Chases handling of my fraud complaint An investigation into whether my information or details of my complaint were improperly disclosed Written confirmation regarding the outcome of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXXstep validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation