vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Recd letter from LVNV, Resurgent, XXXX XXXX XXXX all collecting on the same creditor stating I owe this debt to XXXX XXXX. I did dispute the debt requesting debt validation. I received several documents but none were an accurate validation. Copies of communication with and from the collector 's office are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a notice from Resurgent Capital Services about the debt I owe from XXXX by XXXX XXXX XXXX On XX/XX/XXXX I called Resurgent and advised that I never had an account with such company and have no knowledge of them whatsoever. The agent advised that I will receive an identity theft affidavit that I should send back to them. I wrote a request for substantiation of the debt dated XX/XX/XXXX and once I received an identity theft affidavit it was filled out, notarized and mailed to Resurgent along with the request for substantiation of the debt via certified service. On XX/XX/XXXX I received a reply from Resurgent dated XX/XX/XXXX providing statements dated XX/XX/XXXX and XX/XX/XXXX which do not show any information to prove the debt. I mailed another request for substantiation of the debt dated XX/XX/XXXX via certified service advising that the statements provided by dated XX/XX/XXXX and XX/XX/XXXX do not serve as proof of purchase or provided services as they do not reflect a purchase amount or the product that was sold/provided. On XX/XX/XXXX I received a reply from Resurgent dated XX/XX/XXXX with the same exact statements and no additional information. I called Resurgent again XX/XX/XXXX, spoke with XXXX that advised me that they received my requests and identity theft affidavit and replied to me. I stated that they did not address my identity theft report and just keep providing the same information with 2 statements that have no information for the amounts and/or products/services provided and/or dates of purchases. XXXX advised that they replied by state regulations and that they don't have to do anything else. I stated that I will file a law suit against them as they are reporting collection on my credit report for the account that never belonged to me. She advised that she will notate the account and that is it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent collection co. Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$960.00} This goes back to XXXX. I have sent letters and Email to them. This is not mine. This belongs to a person that got my info and put it on there account. I have tried to tell this to them. I got XXXX Email from them in XXXX. I'm not sure how many in XXXX. Got another XXXX today. They are doing nothing but harassing me. Your accounts are eligible for easy payment setup! Set up payments on all of your payable accounts at once by telling us how much you can afford per payment we'll do the rest. It's the fastest way to make a payment plan on all of your payable accounts! XXXX XXXX XXXX, XXXX. ( XXXX XXXXXXXX ) {$8800.00} Current Balance XX/XX/XXXX Last Payment Date XXXX XXXX, XXXX. ( XXXX XXXXXXXX ) {$3900.00} Current Balance XX/XX/XXXX Last Payment Date XXXX XXXX XXXX NA ( XXXX XXXXXXXX ) {$960.00} Current Balance XX/XX/XXXX Last Payment Date XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) {$690.00} Current Balance XX/XX/XXXX Last Payment Date The only XXXX on this that is mine is XXXX XXXX. Which I am taking care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
There was a fraudulent charge for {$600.00} on XX/XX/XXXX. I let Robinhood know it was fraudulent as I had paid this taxi driver by cash for {$120.00}. Originally the taxi driver was supposed to charge my card for {$120.00}, he proceeded to tell me it was declined so I paid cash. Instead he also charged me {$600.00}. I let Robinhood know, and they gave me a credit on XX/XX/XXXX. Then Robinhood proceeded to tell me my dispute was denied so they charged me {$600.00} on XX/XX/XXXX. THEN they charged me {$600.00} for a second time on XX/XX/XXXX. I have asked for it to be removed but they havent done. So not only did I pay for a fraudulent charge, I paid it twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Issue : Escrow Mismanagement ( XXXX XXXX XXXX ) I am filing a formal regulatory complaint against Rocket Mortgage and XXXX XXXX for a direct violation of federal VA lending compliance guidelines regarding a Veteran 's Earnest Money Deposit from XX/XX/year>. I am a Veteran. My XX/XX/year> transaction for the property at XXXX XXXX XXXX XXXX XXXX, GA XXXX was structured entirely as a 100 % VA-guaranteed home loan. Due to an internal administrative clerical error by the Department of Veterans Affairs as well as negligence from XXXX XXXX of Rocket Mortgage, the confirmation of my mandatory Certificate of Eligibility ( XXXX ) was delayed, which physically prevented my loan file from clearing underwriting. Under federal law, the mandatory VA Escape Clause dictates that a Veteran purchaser shall not incur any penalty by forfeiture of earnest money or otherwise if administrative or valuation metrics required by the VA can not be successfully cleared. Despite this explicit federal protection, the financial institution and the holding brokerage ignored VA compliance protocols. They treated the file as a standard conventional transaction, declared a timeline default based on local contract " grace periods, '' and illegally disbursed my {$2600.00} earnest money deposit to the seller. As a Veteran, my consumer rights were violated because the escrow holder allowed local contract deadlines to override federal VA loan protections while my file was actively stalled in a government clerical backlog. I have preserved all email correspondence and loan documentation from XX/XX/year> proving continuous good faith and diligent effort on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
This addition actually strengthens your complaint because it provides important context around hardship and why the situation escalated. Subject : Incorrect/Unfair Credit Reporting Related to Total Loss Vehicle Hello, I am submitting this complaint regarding the reporting of my auto loan account. The vehicle associated with this loan was declared a total loss. During the insurance and claim resolution process, there were significant delays that extended over a long period of time. I reasonably believed the matter was being handled between the insurance company and the lender. In addition to losing my vehicle, I was also financially impacted by the XXXX XXXX and experienced a period where I was unable to work. It took me a considerable amount of time to rebuild and stabilize my financial situation during and after the pandemic. Despite these circumstances, the account was reported with extensive late payments and derogatory marks across multiple months and years, severely damaging my credit profile. I believe the reporting XXXX be inaccurate and/or unfair because : * The vehicle was a total loss * The insurance resolution process was delayed for an extended period * I was financially impacted by XXXX and unable to work for a period of time * I was not properly aware that the account continued to accrue negative reporting during this process * The reporting appears excessive considering the circumstances * I was not intentionally refusing payment I would also like to note that this is the only negative account/history currently appearing on my credit report. I am requesting : * A full investigation into the accuracy of the reported payment history * Validation of all derogatory reporting * Correction or removal of inaccurate derogatory marks * Review of whether the account was reported fairly during the insurance claim process This negative reporting has significantly impacted my financial life, and I respectfully request a fair and reasonable resolution. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a call on XX/XX/year> and they said they were some type of legal company and I /was going to be served with some paperwork on XX/XX/year> and that I needed to call this number XXXX with a case XXXX regarding XXXX or something, when I went to ask questions they hung up. When I called the number they said I owed money to a store that doesnt exist anymore and had a paid account with them when I was XXXX years old and now I am XXXX yrs old. They did have my social and a old number but I did not confirm anything. This company I believe is a scam and I also seen that on the XXXX site that the same call with the same area code and company name called someone else. The initial call came from XXXX. I believe the comnpany is out of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I sent my complaint in to cfpb. cfpb closed my file after an untrue statement from the mortgage thief, SPS. This is not fair. Everything I had said in my first complaint is 100 % true and you did nothing to help me. Is this another fraudulent government subsidized business? I expected a little more help than nothing. SPS is a predatory lender who is trying to steel my home. Please do something about it, or give me the name of an organization that can address this issue. They also discriminated against me for being XXXX. I placed a complaint with HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Process XXXX Buyback Application To Whom It XXXX Concern, I am submitting this formal complaint regarding the unacceptable delay in processing my XXXX XXXX XXXX XXXX ( PSLF ) Buyback application. When I submitted my buyback request, I was informed that a determination would be made within approximately 45 days. However, nearly a year has passed, and I have received no meaningful update, decision, or communication regarding my application. Despite repeated efforts to obtain information, I have been left without answers and without a resolution. This delay has caused significant financial harm. Had my buyback application been processed within the timeframe that was represented to me, my student loans would likely have already qualified for forgiveness under the XXXX program. Instead, I remain in limbo due solely to administrative inaction by the Federal Student Aid system and its contractors. As a public servant, I have fulfilled my obligations and relied on the guidance and timelines provided by Federal Student Aid. It is unreasonable and unfair for borrowers to suffer adverse consequences because of delays beyond their control. The failure to process my application in a timely manner has deprived me of the opportunity to obtain the loan forgiveness for which I believe I am eligible. I respectfully request the following : An immediate review and processing of my XXXX XXXX application. A written explanation for the delay, including why the stated XXXX processing timeline was not met. Consideration of any corrective action necessary to ensure that I am not financially harmed by the agency 's delay. Expedited determination of my eligibility for PSLF forgiveness and adjustment of my account accordingly. I have dedicated my career to public service and have acted in good faith throughout this process. I am requesting prompt attention to this matter and a written response outlining the steps being taken to resolve my complaint. Thank you for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
The fraud seems to be from a credit card processing company. They sent an account to a collections agency which posted it in all credit bureaus ( that's how I found out ) and they're claiming a {$410.00} debt from a merchant account which our business does not have and has never applied for XXXX. I will attach the documents sent by the collection agency. Someone had access to the last 4 of my social, my mailing address, the business address, but no to my phone number since the ones on the application are made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: ShoulderTap Technologies, Inc. d/b/a Fizz
State: OR

Complaint narrative:
I couldn't tell you exactly howa many points I had accumulated because of the way things went with the company. Mine ( formerly fizz ) card has now shut down. About a month before this happened I received an email saying that cards would t be working but not to be worried about security. The first email said it was a problem every user would be experiencing. After this, they sent out another email on XX/XX/year> ( 20 days before today 's date ) saying they were officially closing up shop. The beginning if the email gave lots of information on alternate businesses and businesses partners that current users could switch to. After that, it tells users they need to pay any outstanding balances. Then it says in XXXX sentence ( yes, XXXX very non urgent and short sentence ) that users will have exactly XXXX weeks to claim there reward points or they would be gone forever. They put nothing about this on their app ( which still allows all access and functionality ) and sent no other emails about rewards. Just statements as usual. Then XXXX day the points just went to zero while still allowing users to decide how to allocate points and apply bonuses. This was completely deceptive and, in my opinion, done on purpose. They also have yet to refund any of the users that paid for annual subscriptions. They just tell you to fill a form out, it isn't a guarantee of receiving any of the XXXX dollars that was paid and then not have the promised services rendered. I just want what is owed to me. XXXX and funding banks are XXXXXXXX XXXX, XXXX and Lead bank which are both FDIC members and should no better than to allow anything or any entity they are associated with do such an obvious rug pull from customers. I did not invest with this company... I am a customer. As such, I don't assume risk and should receive my money back. They can explain the losses to the investors and not me.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torriere Holdings INC
State: IL

Complaint narrative:
Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation, complete chain of assignment and transfer. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On Sun, XX/XX/year> at XXXX XXXX XXXX deceptive user interface prompts that misled me into opening a Synchrony Bank credit card without my explicit, informed consent. I have contacted Synchrony Bank customer service twice ( on the day, and several days following ) to dispute and close this account. Both times I was promised a written resolution by mail within 30 days. It has now been 60 days, and Synchrony has failed to provide any correspondence or resolve the claim. I want this unauthorized hard inquiry removed from my credit reports, and written confirmation that I owe a {$0.00} balance.

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
Hello, I got an email/text/calls from Synergetic Communication, Inc to pay an amount of XXXX on behalf of XXXXXXXX XXXX XXXXXXXX, CA. But, honestly I have never lived there, no knowledge about it at all. So, I do not owe them at all and can not pay without any services/transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I signed up for the Synchrony Credit Card through XXXX XXXX in XXXX, Alabama. The sales person told me that the promotion was XXXX months no interest if paid in full. I am only XXXX months out and they added all of the additional interest and said that the promotion was for XXXX months not XXXX. I reached out to XXXX XXXX for a copy of my contract and the term of XXXX months was scribbled in at the top and the bottom of the contract that goes into details about the terms was blank. I filed a dispute with Synchrony to see if they would honor the XXXX month term, and they said that they couldnt because they do not offer those terms, only XXXX and XXXX. Yet on both Synchrony and XXXX XXXX website, the XXXX month promotion was listed. Because I knew my XXXX months was wrapping up, I started paying double at the end of last year, but now all of those payments have been eaten up with interest. My balance was down to about {$2000.00}, but now it has gone back up to over {$6000.00} with the added interest. I just want them to honor the original terms of the contract and let me pay the remaining balance that I had prior to the additional interest being added.

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 2026-05-30 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I made a purchase on my synchrony XXXX XXXX card of XXXX, I i tried to do a balanced transfer with my XXXX XXXX credit card but was told by synchrony XXXX XXXX customer service, they would not do a balance transfer, So i decided to take out a personal loan from XXXX XXXX XXXX to pay off synchrony to save an interest. As I did pay synchrony XXXX XXXX card XXXX. After I had paid synchrony XXXX XXXX card off they took the transfer of XXXX, i've been trying to get my money back for over a month now. And every time I call, I'm told the check is in the mail but I have never received 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