vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: PA

Complaint narrative:
XXXX wine XXXX Attachments XX/XX/year>, XXXX ( XXXX days ago ) to XXXXAdmin I am submitting documentation in support of my ongoing dispute regarding my mortgage loan, which has been actively contested since origination. This matter is currently the subject of an open federal lawsuit in the United States District Court for the Western District of XXXX ( Case No. XXXX ). The lender is attempting to collect on an improper lien against my property. I have disputed the validity and accuracy of this XXXX from the beginning. The documentation provided supports that the loan terms and structure were misrepresented and knowingly placed beyond my financial ability to sustain. Specifically, I was placed into a loan that the lender was aware I could not afford based on my verified income. This is supported by communications acknowledging that the projected loan amount exceeded qualifying thresholds ( see Exhibit A : ). Additionally, there is evidence that loan figures were manipulated or inflated in order to structure the transaction ( see Exhibit F : communications regarding loan inflation and cash-to-close structure ). Further, my payment history is not being accurately reflected. Payments made, including my XXXX payment and Trial Period Plan payments for XXXX, XXXX, and XXXX, have not been properly applied to my account. As a result, I am now being incorrectly informed that I owe approximately {$24000.00} in arrears. This amount appears to be based on inaccurate accounting and the failure to credit payments that were made in good faith. In addition, there are material discrepancies regarding the property and parcel identification associated with this loan. Documentation reflects multiple parcel numbers and inconsistencies related to the property description, raising further concerns regarding the validity of the XXXX ( see Exhibits HJ :,, ). These issues, taken together, demonstrate a pattern of improper loan origination, misapplication of payments, and inaccurate loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a formal complaint regarding the closure of my bank account, which I believe was done unfairly and without proper justification. My account was closed without a clear explanation, and I have not engaged in any activity that would reasonably warrant such action. This lack of transparency is unacceptable and raises serious concerns about the banks practices and treatment of customers. If there were any concerns regarding my account, I was not given a meaningful opportunity to address or resolve them before my account was terminated. Denying me access to basic banking services without explanation or due process is unreasonable. If there is an outstanding balance associated with the account, I am willing to resolve it promptly. However, I expect the bank to act in good faith by : * Providing a detailed and specific explanation for the account closure * Reviewing my account fairly and correcting any errors * Allowing me the opportunity to reopen my account or establish a new one upon resolution If this matter is not addressed appropriately, I am prepared to escalate this complaint further with regulatory agencies. I expect a timely response and a fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: DE

Complaint narrative:
I purchased a keyboard and mouse from XXXX and around XX/XX/XXXX both started to not work correctly. I contacted the merchant the XXXX and XXXX to get no response. I followed up in email XX/XX/XXXX still no luck. I filed dispute with Synchrony bank. This company refused to respond to my warranty requests. The purchase was for {$260.00}. Synchrony bank received evidence on XX/XX/XXXX as well as XX/XX/XXXX and prematurely closed the case XX/XX/XXXX stating I didnt provide enough evidence when I proved to them I did NOT receive services rendered for my warranty claims.

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 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
Fruad and swindles 18 usc 1431, 15 usc 1962 ( e ) 15 usc 1681 ( c-2 ; ) ( 15 usc 1681 ( n1 ) a 15 usc 1681 ( c-3 ; ) 42 usc 1983 fcra violations of the 1966.1970 1974 and 1975 fair credit reporting act. Hjr-192 violations 12 cfr 1208 18 usc 1001 tampering with my medical records and XXXX XXXX XXXX and XXXX XXXX I submitted to XXXX XXXX XXXX XXXX XXXX forgery fruad unjustenrichment double dipping extortion cruel and unusual forms of punishment i have no bills nor debts with XXXX XXXX XXXXXXXX XXXX XXXX clinics nor do I owe anything on my prescriptions I am owed XXXX in medical coverage from XXXX XXXX XXXX his insurance company is liable for all my medical bills see he and XXXX XXXX department done fruad XXXX failed to use his mirror he failed to check for clearance nor did he check the side driver mirror i called the police this accident seem like I was the whole intended target his car was a XXXX XXXX XXXX XXXX XXXX XXXX WHY WASNT HE THREATED WHY WASNT HE HARASSED BULLIED CYBERSTALKED XXXX XXXX OF HIS INFO DATA PERSONAL INFO SSN I TELL YOU HIS SISTER WORKS AT HOME IN MEDICAL AND BILLING FOR LOYAL HOSPITAL HER GIRL FRIEND NAME XXXX IS IN THE SAME MEDICAL TRADE THEY ROB THEY PATENTS SELL DRUGS TO THOSE THEY KNOW HAVE XXXX XXXX XXXXXXXX INFACT MEDDLE IN ME AND XXXX RELATIONSHIP I HAD XXXX XXXX BY HIM AND HE ACTS AS IF IT NEVER HAPPENED MIND YOU HE IS MARRIED WASTED SO MUCH OF MY TIME ON A MAN WHO HATES WOMEN BUT RATHER ROB A WOMAN OF HER WORTH USE HER UP UNTIL HE FINDS MORE SUPPLY WHOLE TIME HIS SISTER XXXX XXXX CO XXXX XXXX XXXX XXXX TO DO FALSIFICATION OF MY MEDICAL RECORDS BREACH BIPA HIPA AND SOLD ME OFF TO THE HIGHEST BIDER WHICH IS MCA MANAGEMENT COMPANY XXXX XXXX TO XX/XX/XXXXXXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX, XXXX, and XXXX sold my data without my permission. XXXX XXXX sold my debt and data of a total of XXXX XXXX XXXX sold my debt and data of a total of XXXX XXXX and affirm sold and charged off a total of XXXX XXXX all without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I returned an item in-store at XXXX ( XXXX # XXXX, XXXX XXXX XXXX XXXX ) that was originally purchased using Zip ( Buy Now, Pay Later ). Order # XXXX The merchant processed the refund the same day and issued XXXX separate refund transactions, which I have receipts for : * {$170.00} ( battery return ) * {$23.00} ( core trade-in refund ) I contacted XXXX directly and escalated the matter. They confirmed that both refunds were successfully processed and issued on XX/XX/year>. However, Zip has only acknowledged and applied {$23.00}, which only represents the core trade-in portion. The main refund of {$170.00} has not been applied to my account or properly accounted for. Despite contacting Zip support, they continue to provide incomplete and inaccurate information, failing to explain the status or location of the missing {$170.00} refund. This is a billing error and a failure to properly apply a merchant-issued refund. As a result, my account balance is incorrect, and I am being deprived of funds that were already refunded by the merchant. I have supporting documentation, including receipts and confirmation from the merchant, proving that the full refund was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My card was used XXXX separate times to make purchases XXXX in XXXX XXXX then XXXX at XXXX, XXXX for XXXX XXXX I live in XXXX and no one has authorization to use my card but me. Made a claim with Bank of America and tthey denied my claim saying I authorized someone to use it which is completely false since there is no way i would be able to make those purchases since i was at work in 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 monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: MI

Complaint narrative:
iv tried multiple times to open a new cashapp account and everytime i do it closes my account and wont let me in. i had 1 years ago but someone stole my things and i lost my account and havent been able to access that 1 or make a new one since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: VA

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my account in connection with transactions to XXXX XXXX. During the period from XX/XX/XXXX to XXXX, XXXX processed multiple deposits to XXXX and allowed those transactions to proceed despite insufficient available funds in my bank account. As a result, my PayPal account developed a substantial negative balance of over {$18000.00} - which persisted for over 40 days. While PayPal commonly processes transactions instantly, in this case PayPal acted essentially as a line of credit to XXXX. The effect was I could still bet on XXXX but my PayPal account access use was restricted. The core issue is that PayPal served essentially as a loan or similar to the way a credit card that you pay back each month. During the time frame highlighted above : - PayPal continued to allow transactions to be initiated before my account reflected a negative balance - My account didn't reflect the negative account balance until days after the transactions- I received collection-related emails and notices that my account could be closed while XXXX still allowed betting and offered promotions Since XXXX provided immediate access to deposited funds, PayPals processing of these transactions enabled wagering using funds that had not actually settled. This created a situation where I effectively accumulated a large unsecured negative balance while still being able to initially initiate additional transactions until PayPal reflected the negative balance on my account. I am concerned that : - PayPal did not implement appropriate safeguards to prevent repeated frequent and large transactions : especially when those transactions lead to a negative balance - There were inadequate controls to limit exposure once the account became significantly negative - The interaction between PayPals processing and XXXX instant funding model failed to verify deposits and resulted in an unsafe and unsustainable financial situation I am prepared to provide supporting documentation upon request. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
They keep calling my work, even though I have a paper on file with them that they can't call my work. They asked asked if they just wanted my company to garish my wages without going yo court. And several other illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: GOLD STAR MORTGAGE FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2026, through Gold Star Mortgage Financial Group I paid XXXX XXXX XXXX XXXX ( {$610.00} ) for an Appraisal to be done of property I am purchasing in XXXXXXXX XXXX. The Appraisal was scheduled to be done on XX/XX/2026. I requested On XX/XX/2026, a copy of the Appraisal done via text to XXXX XXXX , Mortgage loan XXXX XXXX XXXX texted me back that the Appraisal Report was " NOT '' Ready yet. On XX/XX/2026, I called Gold Star Mortgage financial loan processer XXXX XXXX as to why I am " NOT '' able to view or see the Appraisal Report Done on XX/XX/2026, and why? XXXX XXXX replied " that she does not see the Appraisal report, but the notes refer to structural issues, etc. and the Appraisal was not completed, etc. '' I responded, " I need to see the report or something in writing '' and XXXX XXXX stated she would call the company that went out to find out what is going on and get back to me. About an hour later, XXXX XXXX called me and stated that the house has C-5 Structural issues, and it doesn't qualify for FHA. I replied that I need to see the Appraisal report and XXXX XXXX stated Okay but offered to pay part of the Appraisal fee back to me if I did " NOT '' have the Appraisal report released. After I hung up the phone I thought about it where it did not make any sense. There was no further email, or phone calls on the day of XX/XX/2026, regarding my inquiry as to the Appraisal report. On XX/XX/2026, I contacted Gold Star Mortgage Financial Group via the XXXX service number. I learned who the Appraiser was and called. I found out through the Appraiser that he was told to " STOP '' the appraisal process when he called regarding the property and during the week of XX/XX/2026, through XX/XX/2026, everything was on HOLD via the LENDER. This Appraiser confirmed that he was eventually called during the afternoon of XX/XX/2026, to complete the Appraisal and he responded, " I am on vacation now " and he was on vacation still the day of XX/XX/2026. When I found this new information, I was upset since this delay was the Gold Star Mortgage Financial Group lender request. Gold Star Mortgage Financial Group mortgage loan XXXX XXXX XXXX gave me the impression verbally and via text that the Appraisal was done when in fact it WAS NOT. XXXX XXXX never provided documentation with photos and commentary of allegedly structural damage and can not claim C-5 property condition without documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding an account with Ally Financial that was previously paid in full through my GAP insurance following the total loss of my vehicle. This account was opened XX/XX/year>. At the time of settlement, Ally provided my insurance and GAP provider with a payoff amount representing the total balance due on the account. This amount was paid in full, and the account was considered satisfied XX/XX/year>. However, after the settlement was completed, Ally added additional charges and is now attempting to collect a remaining balance that was not included in the original payoff amount they provided. I dispute the validity of this balance. They started reporting it late as of XX/XX/year>. Any discrepancy is the result of Allys failure to provide an accurate and complete payoff figure at the time it was requested and relied upon. I fulfilled my obligation by ensuring the amount quoted by Ally was paid. I should not be held responsible for errors, omissions, or delayed accounting practices on the part of the lender. I am requesting the following : Immediate correction of the account to reflect a XXXX balance Written confirmation that the account is paid in full Removal of any negative credit reporting associated with this disputed balance Additionally, I request that Ally provide a complete accounting of the loan, including : The original payoff quote provided to my insurance/GAP provider A full transaction and fee history A detailed explanation of how and when the additional balance was calculated If this issue is not resolved promptly, I am prepared to pursue further action to protect my rights as a consumer.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding my inability to access my account with PenFed Credit Union due to ongoing technical and authentication issues on their website. When attempting to log in, the system initially allows access but immediately displays error messages across the screen indicating authentication failures. These messages appear to be related to a third-party system, possibly XXXX, which PenFed is using as part of its verification process. As a result, I am effectively locked out of my account despite entering correct login credentials and being signed in. This error occurs upon signing into your account. This issue has persisted without resolution. I have made attempts to address the problem, but the institution has failed to correct the malfunction or provide a reliable way for me to access my account. The use of this third-party verification system appears to be preventing legitimate customers from accessing their accounts. Due to these unresolved technical failures, I have been denied access to my own account, which raises serious concerns about account availability and the institutions responsibility to maintain functional and secure access systems. I respectfully request that this matter be investigated and that appropriate action be taken to ensure that customers are able to reliably access their accounts. Upon signing into to the online website and app this occurred.

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 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Third Notice Failure to Respond & Continued Inaccurate Reporting Portfolio Recovery Associates , LLC This is my third complaint regarding Portfolio Recovery Associates , LLC. PRA has failed to respond to my prior CFPB complaints and continues to report this account to TransUnion despite being on notice of disputes and documented inconsistencies. As of XX/XX/year>, PRA updated and continues to report a balance of {$690.00} with a dispute resolved remark. However, this balance conflicts with PRAs own prior correspondence, which reflected a different amount. Despite multiple opportunities to investigate and correct this issue, PRA has : Ignored prior CFPB complaints Failed to provide any validation or explanation Continued furnishing the same disputed and inconsistent balance Updated the tradeline while the account remains disputed This conduct indicates a failure to perform a reasonable investigation under FCRA 623 ( b ) and continued reporting of information that is inaccurate or can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I believe The company is charging an excess escrow than what I owe. I paid them a lump sum and they have raised my monthly payment rate XXXX in XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I returned my leased vehicle to the dealership on XX/XX/year>, and I have written documentation/receipt confirming the surrender on that date. At the time of return, I was informed that I would receive a final bill that includes an early termination fee ( approximately {$450.00} ) plus any applicable charges for excess mileage or damages. However, instead of receiving a final statement, I have continued to receive late payment notices for regular monthly lease payments, which should no longer apply after the vehicle was surrendered. This indicates that my account has not been properly updated to reflect the lease termination and vehicle grounding. I have contacted Santander Consumer USA multiple times to resolve this issue, but I have not received a clear answer or resolution. In some cases, my calls have been disconnected after attempting to escalate the issue. This situation is causing concern about potential damage to my credit report due to inaccurate late payment reporting.

Company response to consumer: Closed with explanation