vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
On XX/XX/year> ( a Friday ), my employer processed my direct deposit of {$490.00} through XXXX XXXX. The funds showed as pending in my Robinhood account with a notice that it would take up to 3 business days to post. I contacted Robinhood support via chat. A live agent confirmed that Robinhood had already received the {$490.00} deposit. Despite confirming receipt, XXXX refused to release the funds and told me to wait 1-3 business days. I requested escalation multiple times and was told a team would follow up via email only. Because today is Friday, this means I will have no access to my paycheck for the entire weekend, with funds potentially not available until Monday or Tuesday. This is my primary account and I depend on these funds for basic living expenses. Robinhood is holding funds they have confirmed receiving, with no explanation beyond standard processing language. I believe this constitutes an unreasonable hold on consumer funds that were properly transmitted by my employer. I am requesting that Robinhood immediately release the funds or provide a specific written explanation for why confirmed received funds are being withheld from a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
The Huntington National Bank account credit limit {$500.00} opened XX/XX/year> account number XXXX. This account does not belong to me and is the result of identity theft. The account was previously disputed and removed by the credit reporting agency after an investigation determined that the information could not be verified. However, the collection account has recently reappeared on my credit report despite my prior disputes and evidence that is fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this collection account be immediately investigated and permanently removed from all credit reporting agencies. I did not open, authorize, or benefit from this account in any way. I am requesting that the collection agency and credit bureaus provide complete documentation proving that I am legally responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint regarding Synchrony Banks improper handling of a Fair Credit Billing Act ( FCBA ) dispute involving merchandise that was not delivered as agreed. On XX/XX/XXXX, I purchased an electric reclining sofa from XXXX XXXX ( XXXX, TX ) after personally testing the showroom floor model. The floor model reclined nearly flat and provided significantly greater footrest elevation. The sofa delivered on XX/XX/XXXX does not perform in the same manner, despite being represented as the same product. I discovered this issue immediately and contacted XXXX within two days. After multiple attempts to resolve the issue, including revisiting the store, submitting documentation, and waiting several months, XXXX sent a service technician on XX/XX/XXXX. The technician confirmed the sofa was functioning as built, indicating the issue is not a defect or damage but a material difference between the product represented at sale and the product delivered. XXXX refused to provide a refund, replacement, or credit. I then filed a dispute with Synchrony Bank on XX/XX/XXXX. Synchrony issued a provisional credit on XX/XX/XXXX but reversed it on XX/XX/XXXX solely on the merchants claim that I accepted delivery. I submitted a formal written appeal by certified mail on XX/XX/XXXX, but it was denied. Under the Fair Credit Billing Act, a billing error includes charges for goods that are not delivered as agreed, even if the goods are physically received. Synchrony failed to properly evaluate this dispute and relied solely on delivery acceptance while ignoring evidence of non-conforming goods. I made multiple good-faith efforts to resolve this matter with both the merchant and Synchrony Bank , but the core issue remains unresolved. I am requesting that Synchrony Bank : Reinstate the disputed credit Confirm that no negative credit reporting has occurred or will occur related to this account Conduct and document a compliant investigation under the Fair Credit Billing Act Supporting documentation is attached for review.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: LA

Complaint narrative:
I filed a dispute on XX/XX/year> with netspend, I have begged and begged for these people to add a provisional credit to my account that I am completely entitled and eligible for. It has been way beyond 10 days ( my account is established older than 30 days ) I've also sent the requested written dispute to them. I can't even get a straight answer as to why they are denying me the credit, when I ask for or about the credit they reply with something not even in regards of the provisional credit, mostly saying well have a update by such date, or we are working consistently with your dispute, and your claim is under investigation! They refuse to give me the credit and are 100 percent in violation of reg E and breach of contract.

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 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I'm trying to get a loan to consolidate my debt and bring my credit score up but every time I apply for a loan it brings my credit score down which in turn with that credit score I can't get a loan and I'm trying to pay off a previous debt but because of that day it's an outstanding dead and it's just a vicious cycle and I it's ADS upon ads upon this company has these loan and then this ad goes to that ad like there's nothing actually real out there

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a scam that resulted in a fraudulent check deposit and a negative balance on my XXXX XXXX account. I was contacted through my booking/business app by someone pretending to be a legitimate client. Communicating through phone numbers is normal in my line of work, so we exchanged contact information to continue discussing the booking and project details. The individual then offered me an opportunity to participate in a project where I would allegedly be paid for the use of my work/services. They sent me a check, which I deposited into my XXXX XXXX account believing it was legitimate. After the check was deposited, the individual became aggressive and pressured me to send money back through Cash App. I was threatened and manipulated into believing I needed to return part of the funds immediately. Acting under pressure and believing the transaction was legitimate at the time, I transferred approximately {$1400.00} through Cash App to the individual. Shortly afterward, I discovered that the check was fraudulent and had bounced, leaving my XXXX XXXX account with a negative balance. I immediately realized I had been the victim of a scam. I have preserved evidence including messages, transaction records, screenshots, phone numbers, and proof of the Cash App transfer. I also filed a police report, and law enforcement is currently investigating the fraudulent account involved in this matter. I attempted to resolve the issue with both Cash App and XXXX XXXX, but I have not received meaningful assistance. Cash App has refused to provide information related to the fraudulent account, and I remain responsible for the negative balance caused by this scam. I respectfully request a full review of my case, including the fraudulent circumstances surrounding the check and the transfer. I was deceived and manipulated by an individual impersonating a legitimate client, and I acted based on false representations and threats made against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: AL

Complaint narrative:
I am a military service member filing this urgent complaint against Regional Finance for clear violations of the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. S 3937, and the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I took out a 36-month installment loan with Regional Finance for an original principal amount of {$2300.00} at an contractual APR of 40.97 % ( monthly payment of {$110.00} ). I subsequently served on XXXX XXXX orders from XX/XX/XXXX, to XX/XX/XXXX. Under the SCRA, Regional Finance was legally required to cap my APR at 6 % during this 11-month XXXX XXXX window and permanently forgive the 34.97 % interest difference. Regional Finance completely ignored this federal mandate. Instead, they allowed the illegal interest to accumulate, resulting in an inflated balance which they charged off. They are currently reporting a balance of " {$2500.00} past due as of XX/XX/XXXX '' to the credit bureaus. This balance is legally invalid as it is built entirely on an illegal interest rate baseline and subsequent predatory fees. This severe credit damage is causing immediate hardship, resulting in automatic housing application denials for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I am a homeowner struggling with mortgage payments due to a severe medical hardship ( XXXX XXXX XXXX diagnosed in XX/XX/XXXX ), which required aggressive treatments and temporarily impacted my ability to run my businesses, XXXX XXXX and XXXX XXXX XXXX. I submitted several complete loss mitigation packets, which Select Portfolio Servicing ( SPS ) denied based on historical, temporary low income data. Throughout this process, SPS frontline representatives completely failed to evaluate me for a medical hardship, despite multiple verbal and written disclosures. Instead, they continuously pushed an irrelevant, outdated state Covid-19 assistance program. My loan is now slated for foreclosure On XX/XX/XXXX I formally filed an appeal with SPS. I am filing this complaint as SPS has a history of ignoring medical hardships and pushing irrelevant programs that were put in place to address COVID based needs. I require federal oversight to ensure that my active appeal is not ignored or mishandled by front-end staff and that foreclosure proceedings are not initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding a late payment that GM Financial reported to the credit bureaus following the end of my vehicle lease. I ended my lease in XX/XX/XXXX and subsequently obtained a new vehicle. In late XX/XX/XXXX, I received a phone call from GM Financial regarding an alleged late payment. Initially, I believed the call concerned my current lease, which is also financed through GM Financial. After logging into my account, I discovered that the alleged delinquency related to my previous lease and a charge for a supposedly missing vehicle charger. The charger was not missing. It was returned to the dealership approximately XXXX week after the vehicle was turned in, consistent with the dealership 's " We Owe '' documentation. Despite this, I was charged for the item. I never received an invoice, statement, or any detailed written notice from GM Financial regarding this charge. Upon learning of the issue, I made multiple attempts to resolve it directly with the dealership, XXXX XXXX, through both phone calls and emails. My communications went unanswered. When I contacted GM Financial, I was informed that only the dealership could address the matter. I was also told that it was too late to investigate because the vehicle had already been auctioned. Had I received timely and adequate notice of the alleged balance, I would have had the opportunity to dispute the charge, provide proof that the charger had been returned, and work toward a resolution before any negative credit reporting occurred. Instead, I was first made aware of the issue after the account had already become delinquent. Throughout the entire term of my lease, I made all payments on time and in full. Likewise, my current GM Financial lease has been paid on time and in full every month. This isolated late payment resulted from a disputed end-of-lease charge and GM Financial 's failure XXXX XXXX timely notice of the alleged debt. I respectfully request that GM Financial investigate this matter, correct its records, and remove the late payment reporting associated with this disputed charge from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA 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: Selene Holdings LLC
State: FL

Complaint narrative:
XXXX Was Referred to XXXX XXXX XXXX XXXX HUD Counselor, XXXX XXXX. We did a XXXX call with XXXX at XXXXXXXX XXXX with Selene Finance XXXX XXXX XXXX stated , " Can not get a modification for the life of the loan since it is conventional. Provided XXXX with the book XXXX XXXX XXXX and the FHA number XXXX ( b ). I told her this was an FHA loan, and I never received a partial. I have {$44000.00} for me to catch up, and they applied to HUD for this partial claim, and I would be caught. This loan has never been refinanced. The reason for getting behind in payment is due to the loss of income and an accident at the school where I taught for XXXX years. I had to get XXXX XXXX XXXXXXXX from that accident. Once, I received XXXX XXXX XXXX, I immediately filed for XXXX XXXXXXXX XXXX to save my home on XX/XX/XXXX. In the Bankruptcy, the Trustee XXXX XXXX was paying my mortgage to XXXX XXXX XXXX XXXX and, XXXX XXXX XXXX. I have the Account Ledger to all the payments made. The Bankruptcy was dismissed XXXX, XXXX. My payments were {$1900.00}, and my Social Security {$1700.00}. Then, when the bankruptcy was dismissed, I tried to apply for modification with Selene. Had to provide them with the Discharge of the bankruptcy to be allowed to apply. My first submission of a loss mitigation package XX/XX/XXXX and this took XXXX year to prove that my bankruptcy was XXXX. I supplied all the documents over and over to Selene and that package and on XX/XX/XXXX was denied because of too many modifications for the life of the loan. A Ticket was created by XXXX on XXXX because she saw this loan was an FHA loan and no partial claims have been made and she does agree this is an FHA loan and not a conventional and I would get a call back from Selene by a supervisor in XXXX hours. Since then, another application has been uploaded with Selene and is in review, BUT on XXXX, a payment was applied to my account, and I have no clue where this came from. XX/XX/XXXX, received information from XXXX that I had a loan modification and states CO-Loan modified NOT under a federal government plan, and on my credit report, the upper case letters are now on my credit report. Yesterday, a XXXX call to Selene- XXXX XXXX behind, and an active loss mitigation is in review, but I told XXXX with Selene that your credit report as of XX/XX/XXXX, shows that I have been modified with a NOT under the Federal Government plan. XXXX stated they acquired this loan in XXXX of XXXX, and I have the Assignment of Mortgage filed with XXXX XXXX XXXX XXXX of XXXX Book XXXX Page XXXX, which she missed by XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Wednesday XX/XX/year> I received two charges on my account that I did not recognize while I was at home for a gas station purchase in a neighboring city - it was initially listed as an online purchase and is now indicating a location that it was posted. The amount was for {$48.00} and {$1.00}. I immediately locked the card, reported the fraud, cancelled, and re-ordered the card in the following minutes of the notification. A new card has been sent out to me. Capital One said that they would investigate the fraud and provide documentation to me regarding investigation and findings. The charges were applied on XX/XX/year>, then removed on XX/XX/year> and reinstated on XX/XX/XXXX by Capital One along with a letter that said there was insufficient evidence to prove it was not me who made the charge. I do not use XXXX nor did I travel to another city - I have GPS evidence from the day the charge was made that I did not travel to this place. The letter denying my fraud claim was not detailed in steps taken nor provided any investigative evidence as was promised. My card is still locked and I will not reactivate it for fear that my information will be misused in the future. Capital One did not comply with FCBA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is my very first bank account and I love this bank. I am just confused about this process. I keep getting recurring XXXX charges on my account and Im confused on how to go about it because Ive never had a XXXX account. Im not sure if someone may be using my card because I never gave anyone permission to use my card for XXXX subscription. I called my bank XXXX months ago and they said they cant do a stop payment. Im afraid of losing my bank account so Ive been trying to go directly through the merchant but no help. I have even changed my card and they are stillll charging me. Please help because I am new to this process

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I wrote a check to my grandmother in the amount of {$50.00} and mailed it to her inside of a XXXX XXXX Card. The card was subsequently stolen and and the check inside was taken and deposited into an unauthorized account that is not owned by my grandmother nor myself. The unauthorized deposit was not endorsed by the scammer on the back of the check and was just simply deposited into their account. I contacted the bank immediately and was told that I needed to wait until the check fully posted on the account and then to call back. I called back when it was fully posted and asked to file a claim and ask for information so that I may file a criminal complaint and was denied the information and was told that they could not email any information and cited that the offender was granted privacy protection under the Banking Laws. I asked to speak with a manager and was told that a manager was unavailable. I was then told that a manager would give me a call back on the same day and that did not happen either. Although it is only {$50.00}, it is a financial lost to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Since acquiring our home loan, Pennymac has received an additional {$100.00} per month to go toward the principal balance of our mortgage. This has been properly handled with no issues. In XXXX of XXXX, we decided to add a full regular payment amount to be dedicated to principal only. This was done in XXXX and XXXX of XXXX. Our additional principal payments were not made at the same time as our regular payment, but approximately two weeks later. Our XXXX statement displayed significant errors. The extra principal payments had been misappropriated and Pennymac collected interest from these. Any additional amount was placed in a suspense account. Pennymac was contacted via their customer service number and we were assured that this would be corrected. We were also informed that we could use their website to correctly pay our mortgage ( we use our bank and have NEVER had an issue with this previously ). We had attempted to log in to our account to view, but their site is not functional. Pennymac was informed of this and assured us they would, also, ... look into it. Needless to say, they did neither of those. We did not receive a XX/XX/2026 or XX/XX/2026 statement and telephoned the company to inquire. Pennymac stated that they were attempting to correct our account and this is the reason for not receiving a statement and invited us, once again, to visit their site, log in, and view the information. They were, once again, informed that their site was not functional. Pennymac repeated the same attestation about their intention to look into it. A regular payment was made for the month of XX/XX/2026. We added {$300.00} to the XX/XX/2026 payment, hoping they would sort out their issue as we had called three ( 3 ) times by this point. We receive a XX/XX/2026 statement, informing us that we had missed a payment and now owed double the amount of our regular payment. We telephoned them again. Pennymac stated that the statement was done, in error and we could ignore it. We requested documentation to validate this conversation and Pennymac refused, once again, directing us to their non-functioning website portal. When informing them of the issue with their portal AGAIN, we got a repeat of the same. We received the XX/XX/2026 statement. The summation? Pennymac remains unable/unwilling to correct their mistake. At this time, they continue to collect interest on the extra money weve sent them toward principal only at the rate of 2.750 % DAILY. After all the telephone calls and verbal requests for correction and documentation, along with Pennymacs refusal to correct the issue, we submit this FORMAL COMPLAINT and request assistance.

Company response to consumer: Closed with non-monetary relief