vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
The company has been calling and emailing me numerous times to say that my payment was late. I checked the site and noticed that they never credited my account with a payment made on XX/XX/XXXX. On XX/XX/XXXX, I called them and let them know that I had proof of payment for XXXX from my bank and they needed to credit my account and stop messing up my credit. He said that he could only see my payment from XX/XX/XXXX. The agent then told me to email the proof of payment, as he could not do anything to help because he was not in that department. He also reassured me that I would no longer get calls or emails. On the XXXX at XXXX, I emailed my proof of payment to : XXXX. I never heard anything back. On the morning of XX/XX/year>, I got a courtesy call from rocket mortgage for an overdue balance. I told the woman to stop harassing me and that I already sent my proof of payment. I also sent another email to XXXX, asking that they stop calling me and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXXI called BMO customer service several times at round XXXX XXXX XXXX XXXX XXXX US number, I asked to mail me the statements related to a closed old account. XXXXI provided my ssn, Custom service told me to get my ID notarized and send to BMO authentication email, the XXXX time they said my notarized form format was wrong and no business card, then I went to get my ID notarized the XXXX time after confirming the details, they still told me it was not the correct format, then I asked to talk to the supervisor, finally they said I have successfully passed the authentication process. After verifying my address, they told me I just need to wait for the statements to be mailed to me and they also give me the case numberXXXXThen, after more than XXXX month since XXXX XXXX, I received nothing, then I called the customer service today, they told me to go to branch, that is ridiculous, I waited for more than XXXX month, and then I need to go to a branch? And even more, they did not listen what I talked about and the custom service had a very bad and not acceptable attitude to always interrupt me from talking about no local branch in Texas. This is the worst customer service from a bank I have received. I spent XXXX for notarization and waited for more than XXXX months and have got nothing just awful services.'

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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MO

Complaint narrative:
I am disputing an alleged credit card debt that is being collected by a third-party debt buyer and its affiliated entities. I previously submitted a written dispute requesting full validation of the debt and proof that the account is attributable to me. Specifically, I requested a signed agreement, a complete chain of title, proof of identity attribution, and a full accounting of the balance. I also informed the company that my personal identifying information was exposed in a confirmed data breach, which increases the risk of misattribution. In response, the company and its affiliates, including XXXX XXXX XXXX and XXXX XXXX XXXX, failed to provide proper validation. Instead, they provided self-generated account summaries and incomplete documentation that does not establish that I incurred the debt. The materials provided are not original creditor records and do not demonstrate a contractual relationship or accurate identity attribution. Despite failing to provide competent validation, the companies continue to attempt to collect the debt and/or report it to consumer reporting agencies. I do not believe this debt is mine, and the companies have not provided sufficient proof to support their claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to formally express my concern regarding a recent credit application decision by PenFed Credit Union. I applied for a credit card with your institution and, as part of the process, you conducted a hard inquiry on my credit report. Despite maintaining a credit score above XXXX, my application was denied. This outcome is both unexpected and concerning given my strong credit profile. What is particularly troubling is that I was informed that reconsideration is not available. As a result, I have incurred a hard inquiry on my credit reportnegatively impacting my scorewithout any meaningful opportunity to provide additional information, clarify potential issues, or have my application reviewed further. I respectfully request the following : A detailed explanation of the specific reasons for my denial Clarification on the criteria used in evaluating my application Confirmation that all information used in your decision was accurate and complete Additionally, I ask that you review whether this inquiry was conducted appropriately, given the lack of reconsideration options and transparency in the decision-making process. I value fairness and transparency in lending practices, and I hope you will take this opportunity to address my concerns promptly.

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 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am filing a complaint against National Credit Systems regarding an alleged rental debt they claim I owe in the amount of * * {$1400.00} * *. I dispute this debt and the amount being reported. I do not believe this balance is accurate, and I have not been provided with sufficient documentation to support this claim. In addition, I have received * * repeated phone calls at times before XXXX AM and after XXXX PM * *, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX ( a ) ( XXXX ), which prohibits communication at unusual or inconvenient times. I have not received : * A detailed itemization showing how the amount of {$1400.00} was calculated * Documentation proving that I am legally obligated to pay this debt * Verification of the original creditor and the basis of the alleged rental charges * Proof that National Credit Systems has the legal authority to collect this debt I am formally disputing this debt under the FDCPA. Attempting to collect an inaccurate amount, combined with repeated calls at prohibited hours, may constitute violations of federal law, including misrepresentation of the debt and harassment under XXXX XXXX. XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding an alleged credit card debt they claim I owe in the amount of * * {$1200.00} * *. I dispute this debt and the amount being reported. I do not believe this balance is accurate, and I have not been provided with sufficient documentation to support this claim. I have not received : * A detailed itemization showing how the amount of {$1200.00} was calculated * Documentation proving that I am legally obligated to pay this debt * Verification of the original creditor and full account details * Proof that Midland Credit Management has the legal authority to collect this debt I am formally disputing this debt under the Fair Debt Collection Practices Act ( FDCPA ). Attempting to collect an inaccurate or unverified debt may constitute a misrepresentation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
A collection account from RFGI XXXX XXXX XXXX XXXX XXXX ) for XXXX XXXX XXXX appeared on my credit reports starting around XXXX. I never received any written notice, phone call, or validation letter from RFGI before the account was reported. When I disputed the account through XXXX I finally received limited documentation in XXXX showing the account was related to my sons student housing. I was listed as a guarantor, but he moved out after XXXX month, on XXXX XXXX son notified the apartment and the school, and the college issued multiple XXXX XXXX payments that covered all rent due, resulting in an overpayment for XXXX and XXXX. Despite this, XXXX XXXX XXXX billed for additional rent and fees for several months after he vacated and submitted the account for collection. RFGI failed to provide the legally required validation notice or give me an opportunity to dispute the debt before reporting it, violating the Fair Debt Collection Practices Act ( XXXX ) and RegulationF ( XXXX ( a ) ). The reported balance is also inaccurate and misleading because it includes charges beyond the XXXX notice period, late fees, and termination fees that were not owed. I have disputed this through XXXX and RFGI was notified but has not corrected or removed the inaccurate reporting.

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 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a XXXX complaint regarding a previously unresolved issue involving the fraudulent diversion of my federal student aid refund in the amount of {$2100.00}. My prior complaint ( XXXX ) was closed after Nelnet provided a response that did not address the substance of the issue. This matter involved confirmed fraud : XXXX XXXX University ( XXXX ) confirmed that my account was compromised. -My refund disbursement bank account was changed without authorization. -A refund of {$2100.00} was sent to a fraudulent bank account. Nelnet responded to my previous complaint stating they could not identify me as a borrower. this response is not relevant to the issue. I do not have a loan serviced by Nelnet. My federal student loans are serviced by XXXX. However, Nelnet acted as the payment/refund processor for XXXX and handled the disbursement of these funds. This complaint is not about loan servicing. It's about a fraudulent change to banking information, the unauthorized transfer of federal student aid funds, failure by Nelnet to investigate or address the fraud after being notified. Despite confirmed fraud Nelnet has failed to route this issue to the appropriate department handling refund disbursement, failed to investigate unauthorized account change, failed to take action to reissue the funds. Additionally, XXXX XXXX University has confirmed the fraud but has not resolved the financial loss. As a result, I am currently without {$2100.00} in federal student aid funds due to a verified unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I was living jn an apartment complex for over XXXX years. I was forced to move out XXXX of XXXX from the health inspection department because the apartment wasnt safe to lived in with my kids. They put a collection on my account XXXX of this year XXXX for a ridiculous amount over {$12000.00}. They charging me for things that come with wear and tear in a home that you have lived in over XXXX years. They didnt fixed anything since I moved in and the apartment wasnt up to date at that time. They charging me for months that I wasnt there because I had to move somewhere safe with my kids. Again I didnt get evicted I was forced to move out. They keep changing management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am disputing a {$850.00} collection reported by LVNV Funding for a credit card account. I have not received proper validation of this debt. I am requesting full documentation proving the amount owed, the original creditor, and that LVNV Funding legally owns this debt. I also dispute the accuracy of the information being reported to the credit bureaus. If LVNV can not provide proper verification, I expect this collection to be removed from my credit report immediately. I am concerned about potential violations of the Fair Debt Collection Practices Act, including reporting inaccurate or unverified information, and I request that my complaint be investigated promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
OnXX/XX/XXXXIpaidXX/XX/XXXXXXXX through PayPal ( TransactionIDXXXXXX/XX/XXXX XXXX ). The order was canceled before any deliverable was provided.No service, file, or link was ever sent.XX/XX/XXXX confirmed the cancellation and said a refund would be issued.It never arrived. I opened PayPal disputeXX/XX/XXXXfor Item/ServiceNotReceived.PayPal closed this dispute in the sellers favor onXX/XX/XXXXand claimed Ireceived the service, which isfalse. I then filed CFPBComplaint XX/XX/XXXX XXXX.InPayPalsresponse datedJanuaryXXXX, the company told federal regulators that XXXX reimbursed XX/XX/XXXXonJanuaryXX/XX/XXXX.That statement is untrueno refund appears in my account, my bank, or XXXXrecords. I have repeatedly requested written proof or a transactionIDshowing this alleged refund ; PayPal has refused.BothXX/XX/XXXXandPayPaldenyholdingthefunds, whichremainunaccountedfor.This situation involves inaccurate reporting to afederalagencyand noncompliancewithRegulationXX/XX/XXXX XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a purchase using my credit card and was verbally quoted a specific price at the time of the transaction ; however, when the charge appeared on my statement, the amount was higher than what I was originally told and agreed to. I contacted the credit card company to dispute the charge, explaining that I was overcharged and that the billed amount does not match the agreed price, but they stated they conducted an investigation and found no error, relying on the merchants documentation, which reflects the incorrect charged amount rather than what was actually agreed upon. Because the terms were communicated verbally, I do not have direct documentation showing the correct price, making it extremely difficult to provide evidence even though the charge is inaccurate. Additionally, this issue has negatively impacted my credit, as the incorrect charge remained on my account and affected my utilization and/or payment status, resulting in damage to my credit score. Upon returning from a vacation, I discovered that my account had been restricted, at least in part due to this situation ; however, I was not aware of this at the time and only realized it after carefully reviewing my account and transaction history. My account was subsequently closed without a clear or sufficient explanation, which has further harmed my financial standing. This entire situation is very confusing, as I made a good-faith effort to resolve what I believe is a clear overcharge, yet the investigation did not properly consider the circumstances or the limitations associated with a verbally agreed transaction. I am requesting a thorough review, correction of the overcharged amount, and appropriate consideration of the impact this matter has had on my credit and account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I am a co-borrower on a XX/XX/XXXX conventional mortgage serviced by XX/XX/XXXX. My divorce was finalized in XX/XX/XXXX, and I was awarded the property. I am seeking to assume the mortgage in my name alone with a release of liability for my former spouse, as permitted under the GarnSt. Germain Act ( XXXX XXXX. XXXX ) and theXX/XX/XXXXSingle-Family Servicing Guide. On XX/XX/XXXX, I sent a formal written request toXX/XX/XXXX via certified mail with return receipt requested, addressed to their Divorce/Legal Separation Notification department at XXXX XXXX XXXX, XXXX, TX XXXX XXXX The letter was delivered and signed for. I requested : The assumption application and documentation checklist for qualifying under XX/XX/XXXXServicing Guide Section XXXX Processing of my application to assume the mortgage in my name alone Execution of an assumption and release agreement upon my qualification My letter cited specific XX/XX/XXXX Servicing Guide provisions that govern this process : Section XXXX ( Allowable Exemptions Due to the Type of Transfer ) which identifies divorce-related transfers as exempt transactions Section XXXX ( Reviewing a Transfer of Ownership for Credit and Financial Capacity ) which governs qualification review when a release is requested Section XXXX ( Processing a Transfer of Ownership ) which sets forth procedures for executing assumption agreements I requested a response within XX/XX/XXXXdays. As of today, nearly XXXX months later, I have received no response whatsoever no acknowledgment, no application materials, no denial, nothing. My qualifications are strong : I have a credit score in the high XXXX, a back-end debt-to-income ratio under 9 %, the mortgage is my only material debt, and the loan has never had a late payment. There is no legitimate credit basis to deny this request. As the servicer of aXX/XX/XXXX loan, XX/XX/XXXX is contractually obligated to follow the XX/XX/XXXX Servicing Guide. Their complete failure to respond to a properly submitted assumption request violates their servicing obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
A medical collection account for {$630.00} is being reported by Ability Recovery Service that is inaccurate and not owed. In approximately XX/XX/year>, I contacted both the collection agency and the hospital allegedly associated with this account. Both parties confirmed they could not locate any medical bill, date of service, treatment record, or charges linked to me. I did not receive XXXX XXXX during the time in question and was employed at the hospital as a resident physician. I disputed this account with the credit bureau in XX/XX/year>, but it was marked as verified despite no documentation being provided. This account is unverifiable and continues to be reported without evidence. I request deletion of this 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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
" I accepted a 'Pre-qualified " offer for a XXXX XXXX XXXX XXXX XXXX by Synchrony Bank XXXX The offer explicitly stated the card could be used XXXX XXXX XXXX accepted. ' However, after I authorized the credit pull, Synchrony issued a limited XXXX XXXX ' that only works at XXXX XXXX This is a classic 'bait and switch ' marketing tactic. My goal was to obtain a universal XXXX to strengthen my credit profile, add my son as an authorized user, and prepare for a future auto loan. A store card does not meet these needs. When I contacted Synchrony and XXXXXXXX XXXX, they gave me the runaround, with each company referring me to the other without providing a solution. I am requesting that Synchrony Bank honors the original offer and upgrades my account to the XXXX version without a new hard inquiry, or alternatively, deletes the unauthorized inquiry from my credit reports.

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 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
In the year XXXX I signed up with a kickboxing class. I was going there for XXXX months when I twisted my ankle during class. The instructor at the time told me that he will take the proper procedures to make sure that my hospital bill was cover since I got hurt while working out. As time went by I didnt hear from them so I stop going. Now I have a {$1100.00} debt collection.

Company response to consumer: Closed with explanation