vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: Newport Intermediate Inc.
State: MN

Complaint narrative:
I am filing this complaint because I have made repeated attempts to provide documentation for my claim, yet the company continues to state that it has not been received despite proof of delivery. The company only provided two methods for submitting claim documentation : mail or fax. I complied with their requirements by first sending the documentation via expedited mail with signature confirmation required upon delivery. On XX/XX/XXXX, I mailed my claim documentation using expedited shipping with signature confirmation. According to the delivery records, the package was picked up and signed for at the post office on XX/XX/XXXX at XXXXXXXX XXXX After confirming delivery, I contacted the company multiple times to verify receipt of my documentation. During each call, I was told that the documents had not been received or processed. I continued following up through XX/XX/XXXX, but no updates were provided and the company was unable to locate the documents despite the signed proof of delivery. To ensure the company had the necessary information, I submitted the same documentation again by fax on XX/XX/XXXX. Despite using both submission methods made available by the company, I continue to be told that the documentation has not been received. I have exhausted the submission options provided by the company and have made every reasonable effort to comply with its requirements. I have been informed that my case has been escalated, but I have not received any meaningful updates, confirmation of receipt, or resolution. As of the date of this complaint, the company continues to claim that it has not received documentation that was both signed for upon delivery and later submitted by fax. I am requesting that the company investigate its internal mail and document handling procedures, acknowledge receipt of the documentation that was signed for on XX/XX/XXXX, review the faxed documents submitted on XX/XX/XXXX, and promptly process my claim. I have maintained records of the delivery confirmation, signature confirmation, fax confirmation, and my communications with the company and can provide them upon request. Despite my repeated efforts to comply with all documentation requirements and submission procedures, the company has failed to properly account for documents that were successfully delivered and signed for, causing unnecessary delays in the handling of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
RE : CFPB # XXXX letter on XXXX XXXX. Dear Chairperson : This is my follow up complaint against both Goodleap, LLC and XXXX, XXXX I understand your agent did contact both Goodleap, LLC and XXXX XXXX regarding my grivence on proof of two payments send to Goodleap, LLC and one of those payment of {$490.00} was applied and transfer to XXXX, XXXX, but Goodleap letter of XXXX XXXX claim {$490.00} payment was refund via check on XXXX XXXX to me. As of today of this grivence no check have not reach my mailing address. In fact, I repeatedly try calling both finance companies but their customer service will not answer nor will they return my telephone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Parkstone Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/2023 we received a Fee Worksheet and Loan Estimate from Parkstone Mortgage LLC for a VA purchase loan. The Fee Worksheet listed a charge called Discounts if borrower will pay of {$15000.00} representing 2.125 percent of the loan amount in discount points. This charge was never explained to us as optional. We were never shown a rate quote without the points. We were never asked if we wanted to pay points. We were never given a written explanation of what interest rate reduction we would receive in exchange for {$15000.00}. We were simply told what to pay and we paid it. The Loan Estimate dated XX/XX/2023 also shows both an Administration Fee of {$800.00} and an Underwriting Processing Fee of {$800.00} charged simultaneously. VA regulations at 38 CFR 36.4312 prohibit charging veterans duplicate fees for the same service. The loan also includes a Closing Coordination Fee of {$82.00} and a Document Preparation Fee of {$260.00} which are non-allowable fees under VA guidelines. We closed on XX/XX/2023. At closing the loan originator XXXX XXXX XXXX XXXX signed VA XXXX XXXX certifying that no fees in excess of those permissible under 38 CFR 36.4312 were charged. This certification appears to be false based on the duplicate and non-allowable fees described above. Additionally XXXX XXXX of VA XXXX XXXX labeled Discount Points Financed XXXX Only was completed with {$36000.00} on our purchase transaction. This box is for refinance loans only. We purchased a home and did not refinance. After closing we repeatedly called Parkstone Mortgage to ask about these fees. Nobody ever explained these charges in writing. Shortly after closing Parkstone Mortgage sold our loan to XXXX XXXX. Once the loan was transferred we had no way to get answers from Parkstone. Our questions were never resolved. We are also concerned that our buyer 's real estate agent recommended only Parkstone Mortgage without presenting any alternative lenders and then went inactive as a licensed real estate agent shortly after our closing. We believe there may be an undisclosed referral arrangement between the real estate agent and Parkstone Mortgage in violation of RESPA Section 8.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I RECEIVED TWO SETTLEMENT OFFERS FROM SYNCHRONY BANK FOR MY PAYPAL ACCOUNTS. THE FIRST LETTER STATED '' YOU PAY {$290.00} AND WE WE'LL WAIVE THE REST. THAT'S ALL '' I PAID IT, FOR MY PAYPAL MASTERCARD.BUT THEY SENT ME A BILL FOR THREE MONTHS AFTERWARDS, THE SECOND SETTLEMENT OFFER WAS FOR MY PAYPAL CREDIT, THE SAME LETTER " YOU PAY {$690.00} AND WE'LL WAIVE THE REST. THAT'S ALL! '' I PAYED THAT AMOUNT, THEY EVEN HAD A SPECIAL PHONE NUMBER TO CALL XXXX. WHEN I SAW KEPT RECEIVING BILLS, I CALLED THEM AND THEY TOLD ME THAT I DID'NT CLEARLY SAY I WAS PAYING THE SETTLEMENT OFFER AND REFUSED TO HONOR 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 explanation
Consumer complaint received 2026-06-03 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: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
We had been working with XXXX on remodification and was in the trial period. The reason for this go around in XXXX was my medical condition and job loss. We said we would start making payments here once the trial date ended and was waiting for the packet with the new amount and rate I called and made the payments however was told not to make a payment by one of XXXX representative back on XXXX XXXX. Later I found out that someone else took over the loan. At this point we called the VA who had given us options. We didn't see this letter on this but happened to receive an email. When we had spoken with the VA they said they would check into this. A few weeks later, the VA told us there was nothing they could do and provided us with possible options and told us good luck as they no longer could handle this And here we are as house is foreclosed and was sold in XXXX. We received an eviction notice saying that we have to be out by XX/XX/XXXX. We have tried everything and made various phone calls with others to get this rectified but they stated we were too late when we were trying to get the amount to bring current Now with everything that took place, this being a modular home, there are lots of repairs needing to be made and damage done. When we moved in here back in XXXX, the previous owner said that the appliances were included but were not, and no stains or damaged when we moved I, we had to replace all equipment, a leaky window and roof. This house needs a lot of work done and said repeatedly that we were wanting to stay in the home and the house isn't worth the price they told us. So here we are now. Stressed and confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Philip Sellers P.C.
State: WV

Complaint narrative:
I am filing a complaint against Phillip Sellers, P.C. I was using their services for debt settlement. In XXXX of XXXX I closed my account with them and was told that any remaining funds would be repayed to me within 10 weeks. They would not disclose the amount that was in the account at that time. It has now been almost 9 months later and they still have not paid the remaining funds. At one point they told me there was about {$13000.00} in the account and they have sent me a couple smaller payments totaling {$3000.00}. I have been calling them almost weekly since the 10 weeks after closing the account. Customer service always tells me they will email the account team for an update and when I call back they always say the account team has not replied. I have recently asked for them to give me a date by which the final payment would be sent but a week has passed and that email has gone unanswered. I called customer service on XX/XX/XXXX and told them if the didnt send the full payment or at least give me a date on when it would be sent that I was going to file grievances. That request has also gone unanswered.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The charge relates to an early termination invoice issued by XXXX XXXX. The statement date on the invoice was XX/XX/year>, and the account was sent to collections on XX/XX/year>, only XXXX days later. At the time, I was informed that I would have approximately XXXX weeks to XXXX month to make payment arrangements. Sending the account to collections only XXXX days after the statement date was unreasonable, unfair, and inconsistent with the payment timeframe I was given. The company only tells me I have to pay ; they will not be contacting the apartments to resolve this matter. I have sent letters to them, and no answer to that either. They say we have not received anything. The debt XXXX are ProCollect , Inc . XXXX XXXX XXXX # XXXXXXXX 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 2026-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global Solutions is violating the FDCPA and Regulation F by engaging in harassing phone tactics, including dialing my number back-to-back on XX/XX/XXXX after I declined the first call, totaling 16 unverified calls since XX/XX/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 non-monetary relief
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX is attempting to collect an alleged debt originally associated with XXXX XXXX, with a claimed balance of {$11000.00} ( account ending XXXX ). On XX/XX/year>, I submitted a written debt validation request to XXXX XXXX by email to XXXX, which is the dispute email address published on the firms own website. The firms website expressly states that disputes may be submitted in writing by mail or email, so my submission followed their stated procedure. In that request, I disputed the validity of the alleged debt and asked the firm to provide documentation establishing the debt and its authority to collect, including proof of ownership or assignment, an itemized accounting of the balance, and any signed agreement creating the obligation. More than thirty ( 30 ) days have passed since my request and XXXX XXXX has not responded in any form. The firm has not provided validation, has not acknowledged my dispute, and has not ceased its collection efforts. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing, the debt collector must cease collection of the debt until it obtains verification and mails it to the consumer. By failing to respond within the statutory period while continuing to treat the debt as collectible, XXXX XXXX has not met its obligations under the FDCPA. I am also concerned about the accuracy of credit reporting connected to this alleged debt. I am requesting that the company verify the debt or cease collection, and correct or delete any inaccurate reporting associated with it. I have retained documentation of my original dispute and of the firms published policy accepting email disputes, and I can provide these upon request.

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 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
XX/XX/XXXX -THE CREDITOR HAD TO AGREED TO UPDATE THE PAYMENTS RECEIVED AND THE BALANCE ON XX/XX/XXXX. BUT DID NOT. THE BALANCES ARE INCORRECT, MISSING 3 PAYMENTS OUT OF FIVE. THE BALANCE BEING REPORTED IS INCORRECT AS OF XX/XX/XXXX. WHICH HAS CAUSED MY CREDIT SCORE TO DROP OVER XXXX XXXX FOR THE PAST 5 MONTHS.PREVENTING ME FROM OBTAINING ANY NEW CREDIT DUE TO THE LOW BALANCE OF CREDIT AVIALABLE. ON XX/XX/XXXX - I SPOKE WITH A XXXX, PYMT DEPT & GOT THE SAME PROMOISE TO CORRECT WITHIN 30 DAYS-DID N'T HAPPEN. SPOKE WITH XXXX, ON XXXXCONFIRMED BALANCE ON COMPANY SYSTEM BUT NO CORRECT BALANCE, XXXX XXXX XXXX, WHO VERIFIED UPGRADE/XXXX ONLY SUBMITTED 2 PAYMENT SINCE XXXX.SUBMITTED TO XXXX ON XX/XX/XXXX Complaint : XXXX , I HAVE PREVIOUSLY STATED - IT IS SIMPLE TO SEE THAT THE STATEMENT PROVIDED BY UPGRADE/XXXX DO NOT MATCH WITH WHAT IS PRESENTLY SHOWING ON THE CREDIT REPORT HISTORY! THE HISTORY IS MISSING AT LEAST 3 PAYMENTS PAID IN THE LAST 3 MONTHS ( XXXX ). PLEASE INDICATE TO THE BUSINESS THAT THEY NEED TO FOLLOW THEIR OWN PROCEDURES AND BACK THAT UP BY UPDATING MY CREDIT HISTORY! THREE GOING ON 4 MONTHS OF PAYMENTS - WHILE ONLY REPORTING ONLY 1 PAYMENT TO BUREAUS! IT HAS BEEN OVER 4 MONTHS - MORE THAN 90 DAYS OF NONE REPORTING! I WANT MY CREDIT HISTORY UPDATED AND STOP WITH THE STALE STATEMENT OF ONLY REPORTED 30-60 DAYS! ALL PAYMENTS SHOULD BE REPORTING MONTHLY - NOT EVERY OTHER 3 MONTHS!! THERE ARE 2 SEPARATE ACCOUNTS INVOLVED FOR THE SAME COMPANY. THIS SITE WOULD ONLY ALLOW ME TO PROVIDE ONE! Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, incomplete, and unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) and 1681i, as multiple items continue to be reported inaccurately despite prior disputes, including incorrect addresses XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX, and XXXX XXXX XXXX XXXX GA XXXX ; accounts reporting inaccurate or misleading status or balances including XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ) ; an account improperly included or associated with bankruptcy reporting for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$0.00} ) tied to XXXX XXXX Bankruptcy filed XX/XX/year> in XXXX XXXX XXXX XXXX XXXX, Reference No . XXXX ; a collection account reported as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$0.00} ) ; and hard inquiries including XXXX dated XX/XX/year>, XXXX dated XX/XX/year>, and XXXX dated XX/XX/year>, all of which I dispute as inaccurate, unauthorized, or not properly validated, and I request a full reinvestigation and immediate correction or deletion of all unverifiable information in accordance with my rights under the FCRA.

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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, incomplete, and unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) and 1681i, as multiple items continue to be reported inaccurately despite prior disputes, including incorrect addresses XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX, and XXXX XXXX XXXX XXXX GA XXXX ; accounts reporting inaccurate or misleading status or balances including XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ) ; an account improperly included or associated with bankruptcy reporting for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$0.00} ) tied to XXXX XXXX Bankruptcy filed XX/XX/year> in XXXX XXXX XXXX XXXX XXXX, Reference No . XXXX ; a collection account reported as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$0.00} ) ; and hard inquiries including XXXX dated XX/XX/year>, XXXX dated XX/XX/year>, and XXXX dated XX/XX/year>, all of which I dispute as inaccurate, unauthorized, or not properly validated, and I request a full reinvestigation and immediate correction or deletion of all unverifiable information in accordance with my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2026-06-10 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Around the third week of XXXX on a Sunday, my Synchrony Bank, PayPal Credit Card stopped working. It worked early in the day and then stopped working in the evening. I assumed it was a fraud protection issue because I was in XXXX XXXX attending an XXXX game and used it several times before it was declined. I used my debit card the remainder of the day and called the next day to see what the issue was and I got the recorded message that my account had been closed. I had difficulty getting in touch with the human being, but when I finally was able to, I was told it was because an auto pay transaction had been declined by my bank for insufficient funds. I asked them why they didnt contact me before closing the account representative that I spoke with said it was an automatic closure and couldnt be reopened. I said that was fine but what happened to my {$150.00} of cashback that I had earned, and they said that was forfeited when the account was closed I told him I was willing to pay the balance in full provided. My cashback was reinstated and the representative I talked with said they couldnt help me that the cashback was just gone. I requested a supervisor and the supervisor told me to call XXXX directly. I called XXXX directly, and they said you have to deal with synchrony bank. I got back in touch with a supervisor and explain to him again that I would pay the balance if my cashback rewards were returned he said he couldnt help me with that but would send in my appeal for review and I would hear something back in 30 to 60 days. Which I was not happy about because interest would continue to accumulate. I contacted them again today and reiterated that I was willing to pay the balance in full if my rewards were reinstated. In the meantime, they have charged interest on the account and a {$39.00} late fee. I spoke with a supervisor again today who against she couldnt help. I asked to speak with someone above her that could authorize a change and was told someone should get back to me within XXXX hours. The recommendation of a supervisor I also requested that the account be reopened because at that point, the cashback rewards would be available again. But she stated that it was unlikely that the account would be able to be reopened. The cashback was {$150.00} and my balance was a little over XXXX. Honestly, it felt like theft to 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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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