vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 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: SC

Complaint narrative:
XXXX XXXX has original account number but the web sight says that the loan has been paid off. I now get statements from Rocket Mortgage with a new number. I can not access this account from either web-sight. Rocket Mortgage says that I don't have a mortgage with them and XXXX XXXX says that my mortgage been paid. Both help lines are automated and just lead in circles without any real information. I have no way to follow the transfer between account numbers and I can not get any help from customer service. Rocket Mortgage number just hangs up after saying something in XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
OLIPHANT is the company that is calling repeatedly all hours of the day about an alleged debt that I have no knowledge of and it is not on my credit report. I did contact them and requested to stop all communication but they are still calling & contacting regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.V

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I completed 4 qualifying transactions on XX/XX/XXXX and XX/XX/XXXX under a PayPal promotion offering 20 % cashback. The transactions were completed successfully and were not canceled or reversed. Under the promotion terms, I understood that the cashback rewards could take up to 14 days to post. However, that timeframe has long passed. As of XX/XX/XXXX, I still have not received the promised cashback for these 4 transactions. I made a good-faith effort to resolve this matter directly with PayPal before filing this complaint. I contacted PayPal by email more than once regarding the missing rewards, but I did not receive any response. Despite repeated contact attempts, PayPal has failed to address the issue, explain the delay, or provide any resolution. This is concerning because PayPal advertised a specific promotional reward, I completed the qualifying transactions, and the company has still not honored the offer or responded to my inquiries. I believe this reflects both a failure to properly apply the rewards program terms and a failure to provide adequate customer support for a legitimate account issue. I am requesting that PayPal : Review the 4 qualifying transactions made on XX/XX/XXXX and XX/XX/XXXX Credit the missing 20 % cashback rewards to my account Provide a clear written explanation for why the rewards were not issued within the stated timeframe Respond appropriately to customer complaints regarding rewards program issues My information is as follows : Name : XXXX XXXX PayPal Email : XXXX I can provide screenshots of the promotional offer, my completed transactions, my rewards activity, and copies of the emails I sent to PayPal if needed. I am requesting prompt review and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
RESPA QUALIFIED WRITTEN REQUEST DEMAND FOR RECORDS, CALL LOGS, AND PHONE RECORDINGS Servicer : Trustmark National Bank Account : XXXX VA Mortgage | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint serves as a Qualified Written Request ( QWR ) under RESPA 12 USC 2605 ( e ). Trustmark must acknowledge within 5 business days and respond substantively within 30 business days. BACKGROUND : I submitted multiple loss-mitigation applications throughout XXXX. Trustmark claims they received none for this mortgage. I spoke directly with a Trustmark representative by phone regarding this specific account and these submissions. Trustmark has acknowledged that one submission may have been attributed to a different loan number which means their records show my submissions exist but were misrouted, not that they were never received. RECORDS REQUESTED : 1. Complete call log for account XXXX from XX/XX/XXXX through XX/XX/XXXX including all inbound and outbound calls, date, time, duration, and representative name. 2. All phone call recordings related to account XXXX from XX/XX/XXXX through XX/XX/XXXX. 3. All written correspondence ( email, mail, fax, portal submissions ) received from borrower XXXX XXXX XXXX regarding account XXXX OR any other Trustmark account in my name from XX/XX/XXXX through present including any documents logged under an incorrect loan number. 4. All loss-mitigation applications, inquiries, or requests received for account XXXX OR attributed to any other Trustmark loan in my name from XX/XX/XXXX through present. 5. Full accounting of all unapplied/suspense funds for account XXXX. 6. All internal servicing notes, system entries, and agent logs for account XXXX from XX/XX/XXXX through present. LEGAL BASIS : - RESPA 12 USC 2605 ( e ) : QWR response required within 30 business days - 12 CFR 1024.41 : Loss-mitigation procedures- Failure to respond = additional RESPA violation , {$2000.00} statutory damages per violation plus actual damages and attorney fees PRIOR COMPLAINTS : - CFPB # XXXX | # XXXX | # XXXX - OCC Complaint filed 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 explanation
Consumer complaint received 2026-03-02 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:
I have attempted to call this company and receive additional information on this debt and while speaking to XXXX she would not provide information that was requested but instead would disconnect the call on several occasions and stop answering calls. As someone who is trying to complete this debt this has put an uneasy feeling of security to correct or pay debt. XXXX has been very unprofessional and unhelpful and I. Personal opinion would not benefit the company in her disrespectful tactics. This matter should be handled indefinitely.

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 2026-03-02 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: WV

Complaint narrative:
Credit card dispute improperly denied- services not rendered. I am filing this complaint regarding Capital Ones handling of a dispute for a {$3300.00} charge from XXXX XXXX XXXX dated XX/XX/year>. This charge was for a purported XXXX XXXX XXXX subscription extension. The merchant represented themselves as affiliated with XXXX support. I later confirmed they are not XXXX. The service promised was a XXXX extension of my XXXX XXXX XXXX and support. No subscription extension was ever applied to my XXXX account. My legitimate XXXX annual subscription was still billed separately by XXXX on its normal renewal date. I requested a refund directly from the merchant in writing. The merchant refused and stated the charge was non-refundable. I submitted the following documentation to Capital One : Written refund request Merchant refusal Copy of signed authorization Proof that no subscription extension was applied to my XXXX account Proof of separate legitimate XXXX charges Timeline of merchant impersonation and misrepresentation Despite this documentation showing that the promised service was never delivered, Capital One denied the dispute stating that requested documentation was missing, without specifying what documentation was lacking. This is a services-not-rendered dispute. The merchant did not provide the subscription extension that was purchased. I am requesting that Capital One conduct a proper review under the correct dispute category and provide a written explanation of what specific documentation was deemed insufficient. I am requesting that the {$3300.00} charge be removed from my account due to non-delivery of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
Scammed by Credit Karma. I was offered their guarantee for an unsecured {$9500.00} loan for 36 months at 22.49 % through XXXX XXXX. This was based on all of the information I provided to Credit Karma, which was accurate. After applying at XXXX XXXX, I was denied for insufficient income. I wasn't offered alternative terms or anything ; however, this resulted in a " hard pull '' on my credit report. Based on the information I provided to Credit Karma, the income should have been verified prior to being " pre approved '' for the loan. I returned to the Credit Karma website after the loan was declined through XXXX XXXX and, upon signing in, all of the " guaranteed '' offers are now secured loans with much higher interest rates. This will now affect my credit score for future applications. This is highly deceptive and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I took out a loan on a jet ski and trailer through Synchrony under their Secured Installments starting XX/XX/XXXX. My maturity date was XX/XX/XXXX, but there remained a {$390.00} balance on my statement dated XX/XX/XXXX. I called in XXXX on XX/XX/XXXX when I noticed my XXXX statement balance was much higher than XXXX final payment left, and the representative told me they would send me a full listing of payments and dates over the history of my account so I could compare with my own records. I waited multiple weeks, up until XX/XX/XXXX for this statement, but it never arrived. I then called back on XX/XX/XXXX to discuss with a representative about waiving some of the fees as I felt they were incorrectly assessed and I had still not received any information backing up their claims. They said there is nothing they could do and to just pay the balance to be done with it. They were not able to waive any of the late charges, as I had already had XXXX waived a few years back when they switched the payment address and my bill pay from my bank was sent to the wrong location. I am now forced to payoff the balance to avoid any hits to my credit which is frustrating especially when I was not sent any info regarding proof and am basically being forced to pay this to avoid issues. The representative continued to tell me there was nothing they could do and that I should just pay the balance to avoid any further fees or assessments.

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 2026-03-02 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: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
We have been applying for a loan modification through Rushmore Servicing to prevent foreclosure for over 6 months now. We have been going back and forth submitting paperwork but the application keeps getting bumped back from underwriting and no one seems to be able to tell us exactly why so we haven't been able to correct the issue. We have a dedicated loan specialist but at Rushmore Servicing they do not have any direct contact information so we have no way of getting a hold of her. This application process has gone on for 6 months and now we have a foreclosure sale date coming up in two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: MortgageOne, Inc.
State: GA

Complaint narrative:
I am filing this complaint against MortgageOne and XXXX regarding Loan # XXXX for professional negligence and failure to provide timely disclosures, resulting in the loss of my {$3000.00} Earnest Money Deposit. Chronology of Events : XX/XX/XXXX : I entered into a purchase agreement for XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) reviewed my financial documents ( combined income of {$100000.00} ) and assured me I was qualified. XX/XX/XXXX : This was the deadline for my 'Financing Contingency. ' During this time, I repeatedly asked about the status of my loan. XXXX XXXX verbally assured me everything was moving forward, which prevented me from canceling the contract within the protection period. XX/XX/XXXX : Despite previous assurances, the lender finally issued an official 'Statement of Credit Denial. ' The reasons cited were 'Income insufficient for amount of credit requested ' and 'Excessive Obligations in Relation to Income ( DTI ). ' These financial facts were known to the lender since XXXX ; a professional calculation should have identified this disqualification before the XX/XX/XXXX deadline. XX/XX/XXXX : In a confusing and contradictory move, I received a Revised Loan Estimate from XXXX with a 6.25 % interest rate, while the Loan Officer simultaneously told me the loan was dead and I had lost my deposit. Impact : Because the lender withheld the official denial notice until XXXX XXXXwell past my contract deadlinesI am now being told by my Realtor and the Seller that my {$3000.00} deposit is forfeited. The lenders failure to provide an accurate XXXX assessment and timely 'Adverse Action ' notice under ECOA ( Regulation B ) has caused me direct financial harm. Requested Resolution : I request that the company take responsibility for this error and facilitate the return of my {$3000.00} deposit. I also request a full audit of why a revised Loan Estimate was sent on XX/XX/XXXX if a denial had already been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: NC

Complaint narrative:
On XXXX XXXX, 2026 PayPal closed my account, without good cause. They questioned transactions that were from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I gave them this information and they shut my account down within 45 minutes of receipt. This account has {$220.00} on it, this is part of my rent money, I had already withdrawn the other, I couldn't withdraw this part for some reason. I dont care about anything other than getting my rent paid or I'm going to be evicted from my home

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
CREDIT COR is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COR is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - ONLINE INFORMATION SER/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RMis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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