vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
The Servicer is currently violating my rights in the following ways : 1. Refusal to Honor a Successfully Completed Trial Period Plan ( TPP ) : My mother successfully completed all three payments of an approved Trial Period Plan on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2026. Under federal law, upon successful completion of a TPP, the servicer is required to provide a permanent modification agreement. 2. Failure to Recognize Confirmed Successor Status : I was formally approved and confirmed as the Successor in Interest on XX/XX/2026. I have provided the signed Acknowledgment form ( attached ). Despite this, Planet Home Lendings customer service and foreclosure departments claim their " system '' does not show me as the SII and refuse to provide the final modification documents. XXXX. Unlawful Requirement to " Requalify '' : Planet Home Lending is currently demanding that I " requalify '' for the modification. As a confirmed SII stepping into the shoes of the original borrower who already successfully performed under the TPP, I should not be forced to re-apply for a modification that has already vested. 4. Improper Payment Handling : The servicer has accepted my payments for XXXX but refuses to update the account status or stop the threat of foreclosure. Requested Resolution : I demand that Planet Home Lending immediately : * Update all internal systems to reflect my status as the Confirmed Successor in Interest. * Cease all foreclosure activity and " system lag '' excuses. * Issue the Permanent Loan Modification Agreement based on the TPP successfully completed on XX/XX/2026, without requiring a new application or requalification. I have attached my signed SII Acknowledgment and documentation of the completed trial payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my XXXX credit file in the amount of {$1800.00}, listing the original creditor as Affirm. The tradeline shows a 'Date Opened ' of XX/XX/XXXX. This reporting violates the Fair Credit Reporting Act in at least two ways. First, the same underlying debt is also being reported separately by Affirm Inc. as a charged-off account that was 'Purchased by another lender. ' H aving the identical debt appear as two separate tradelines on my report violates the accuracy requirements of 15 U.S.C. 1681s-2 ( a ). Second, the 'Date Opened ' of XX/XX/XXXX is materially misleading. The original Affirm account first became 30 days past due in XXXX XXXX 60 days in XXXX XXXX 90 days in XX/XX/XXXX, and was charged off in XXXX XXXX. Under 15 U.S.C. 1681c ( c ) ( 1 ), the seven-year reporting period runs from the original date of first delinquency, not from the date the debt was sold to a debt buyer. Reporting a new 'Date Opened ' of XX/XX/XXXX makes the account appear far more recent than it legally is and constitutes improper re-aging. I submitted a dispute through XXXX which was denied within approximately one hour without meaningful reinvestigation. I am also submitting a debt validation request to XXXX XXXX directly via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian , XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: NM

Complaint narrative:
I started to fall behind on payments because.it was a 28 percent interest rate which in turn made the payment XXXX a month. This was a XXXX XXXX XXXX XXXX brand new. I aske them multiple times to readjust the loan to gibe mena longer term and lower payment and it would be managable. They ruturned my request multiple time with a negative that they could not help me and that for me to go to a different bank. The financial institution in XXXX XXXX financial. I have my own business. Im an XXXX XXXX. My business was slow at the time and I advised them of this and told them that I was going to struggle lets figure something out .. they said no pay them. I didnt. They hit my and my wifes credit bad. Then the collection calls started. They they started to family .. a good and well .. then they contacted my wife 's kids both of them at school and started harrasing them .. calling multiple times while they were at school. They both told their mother right away which in turn got to me.i was beyond irrate its illegal to call a minor And discuss my business. Its illegal to call a minor to collect or get information period. Now they have a repo hounding me to give the bike.back. i.think they need to.be said but ill settle for the whole entire debt wiped away for their harassment to the kids or my payments lowered to basically XXXX a month

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank ( PayPal Credit ) is aggressively attempting to collect a fraudulent debt and is retaliating against me with late fees. My account balance was previously paid off completely to {$0.00}. Then, months later, Synchrony suddenly demanded more money by fabricating a new balance, falsely claiming that past payments from XX/XX/year> had bounced. I have official bank statements proving that the funds they are attempting to collect cleared my checking account. Synchrony claims payments of {$200.00} and {$300.00} bounced in XX/XX/year>. My XXXX XXXX statements prove those exact payments cleared my account on XX/XX/XXXX and XX/XX/year>, and were never returned or refunded to me. Synchrony 's accounting department lost my funds, and they are now acting as a debt collector for a fake balance. I have repeatedly provided this proof of payment to their executive office. In response, their representatives when I read them the settlement dates from my bank records they kept denying saying we didn't get it even after seeing my bank statements. They are now penalizing my account with retaliatory late fees for refusing to pay a debt that my bank records prove I already paid

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
XXXX XX/XX/year> to XX/XX/year> several unauthorized transactions were made from my CashApp account where money was transferred from my bank account onto my CashApp balance and then withdrawn and deposited into XXXX bank accounts that did not belong to me and that I did not recognize. Over {$19000.00} was successfully deposited into the unknown bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear Chase Bank Customer Service, I am writing to formally file a complaint regarding the handling of my account, the lack of consistent communication from your representatives, and the ongoing issue with funds being withheld from me. First, I am extremely concerned about the fraudulent transactions that were made through my XXXX XXXX. I reported that these transactions were unauthorized, yet my claim was denied based on incorrect information. I was told that I stated I never used XXXXXXXX XXXX which is completely false. What I actually reported was that I did not authorize those specific transactions. It is unacceptable that my claim was denied based on a misrepresentation of my statement, and it feels as though my concerns were not properly listened to or investigated. Despite this, I tried to move forward. However, I am now facing another serious issuemy school funds are being held with no resolution in sight. My check, issued through XXXX for my school, XXXX XXXXXXXX University, was deposited over a month ago and processed the very next day. Yet, I still do not have access to my money. I have contacted customer service multiple times, and I continue to receive conflicting information. No one appears to be on the same page, and worse, no one is taking initiative to resolve the issue or verify my check. Additionally, I have experienced extremely unprofessional behavior from your customer service representatives. I have been met with rude attitudes, lack of urgency, and an overall unwillingness to assist. This is unacceptable, especially considering that these are my personal funds that I depend on to take care of my bills and my children. To summarize : Fraudulent transactions totaling approximately {$4700.00} were allowed to be processed. My fraud claim was denied based on incorrect information. My school check has been processed but is still being withheld without a clear explanation. Customer service has been inconsistent, unhelpful, and unprofessional. At this point, I need immediate action taken. I am requesting : 1. A full review and reopening of my fraud claim. 2. Immediate verification and release of my school funds. 3. A clear explanation of why my funds have been held for this long. 4. Proper accountability for the misinformation and poor customer service I have received. This situation has caused unnecessary stress and financial hardship. I expect a prompt resolution and a direct response addressing each of these concerns. Sincerely, XXXX XXXX XXXX I have called multiple times with false information given and no call back from a manager in weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Marlette Funding, LLC
State: CO

Complaint narrative:
I applied for a refinance of my current loan with XXXX XXXX as I was sent a promotional email that I could refinance to get additional cash out. When I applied for the loan, my request was for an additional {$3000.00} cash out and to refinance the entire loan into a new one. I was then approved and the website stated the cash out was also approved. I was charged {$3200.00} in origination fees, my payment went up by $ XXXX, my loan term was reset from 55 months to 60 months, and my interest rate went up. I was accepting of this assuming that I would get the {$3000.00} cash out. Turns out they approved it with out the cash out, charged me the origination fee, and gave me worse terms than I already had. I asked them to cancel it, but they said it was too late and that I was subject to the {$3200.00} origination fee + 21 % APR on it for the next 5 years. There as no benefit to me, so I asked to cancel which they refused. I escalated it to a supervisor and they tell me they will call me back when they can. Its been several days now, and they do not have any plans to try to resolve this. This is a perfect example of predatory lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> I received XXXX $ USD on PayPal. My account was then permanently limited right after and I was unable to withdraw my money. PayPal said after 180 days I would be able to withdraw it, but I have yet to receive an email confirmation. Ive tried linking my bank account and debit card, with no luck. Ive also tried getting into contact with costumer service and they just tell me Im out of luck and to wait for an email. Its been almost 2 years at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULANT ACCOUNTS FROM MY CREDIT REPORTS

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 2026-05-14 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: AZ

Complaint narrative:
I had {$400.00} remaining in my XXXX XXXX account from a deposit made on XX/XX/2026. The prepaid program was later transitioned/rebranded to Netspend, and all accounts were closed on XX/XX/2026. The account contained an outdated mailing address. According to the companys FAQ and customer support guidance, customers needing to update their address for refund checks are instructed to contact customer service. I attempted to do so multiple times by phone, but the customer service line only leads to an automated loop that repeatedly asks for account information and does not provide access to a live representative. They have two numbers listed for assistance that both go to the same machine and Ive called both plus included screenshots, ( XXXX ) XXXX and ( XXXX ) XXXX. I then contacted the company by email and was informed that : 1. My old address was still listed on the account, and 2. A refund check was either scheduled to be mailed or had already been mailed to that outdated address. When I requested assistance updating the mailing address so the check could be reissued correctly, I was told they could no longer assist me by email for security reasons and that I would need to call customer service, despite my repeated explanation that the phone system does not allow me to reach a representative.

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 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My servicer, Rocket Mortgage, has committed explicit violations of HUD Handbook XXXX and RESPA Regulation X by actively refusing to accept an FHA loss mitigation application after initiating a foreclosure action.Following a hurricane forbearance initiated in XXXX, Rocket Mortgage staff placed me into a " keep checking '' loop regarding extensions that lasted between XX/XX/XXXX and XX/XX/XXXX. My account subsequently fell under the automatic federal disaster protections extended by FHA through XX/XX/XXXX. On XX/XX/XXXX, XXXX to the expiration of that federal moratorium windowI suffered a separate, involuntary job loss.I notified the servicer 's sister division, Rocket Loans, of my unemployment status and was granted an official non-mortgage hardship forbearance. Despite this verified documentation existing within the corporate umbrella, Rocket Mortgage failed to properly evaluate this transition of hardships. Instead, they advanced litigation and filed a foreclosure lawsuit ( XXXX XXXX ) against my primary residence at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX on XX/XX/XXXX, XXXX that same evening, at XXXX XXXX on XX/XX/XXXX, I contacted Rocket Mortgage to formally request and submit FHA Special Forbearance forms due to my active unemployment. Rocket Mortgage frontline staff explicitly refused to log my verbal application, denied me the ability to file the required unemployment forms, and falsely stated they would not accept applications due to the foreclosure filing.Furthermore, while I can log into my general Rocket Mortgage online account, the system actively denies me access to the " Application for Success '' link, completely barring me from uploading digital financial documentation to resolve this default. Refusing to accept a loss mitigation request and systematically blocking access to the application link directly violates HUD single-family housing policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a new personal checking and saving accounts with U.S. Bank to participate in a promotional offer. The published terms of the promotion stated that I would receive a {$500.00} cash bonus if I met the following requirements within XXXX days of account opening : receive XXXX direct deposits totaling {$5000.00} or more ; and enroll in online banking. I successfully met all terms and conditions of this promotion. According to the promotional terms, the bonus was to be credited to my account by XX/XX/XXXX. It has now been over XXXX months after opening the account, and the promotional bonus has not been credited to my account. Over this period, I have contacted U.S. Bank customer service and my local branch more than XXXX times to resolve this issue. During these multiple communications, U.S. Bank representatives have consistently confirmed that I am fully eligible for the promotion and that I met all necessary requirements. I have been informed that the failure to disburse the funds is due to an internal error ; specifically, a problem with the promotion code that the U.S. Bank agent applied to my account at the time of opening. Despite acknowledging that the error is entirely on the bank 's side and confirming my eligibility, U.S. Bank has failed to provide a clear resolution or disburse the promotional funds. The bank has failed to honor the agreement.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I made a checking account with Huntington Bank because they were the bank on a checkni needed to deposit. I had issues with that, but the money was finally in my account. I tried to buy things on XXXX and XXXX, both declined.. I tried to link the account.to sites like XXXX and XXXX. Didn't work I contacted customer service. They said I can wait for my virtual card to be created which I was supposed.to have by now ( i dont ) or send myself money using the Bill Pay feature. I tried it, it declined. Today I am unable.to access my account at alll. I tried resetting my password, nothing worked. Account locked. Contacted customer.service.they said call.this number. The women said I need a case number from an email. I never got the email, she confirmed i didnt get the email but she couldn't do anything without.the case number. She.said I need to verify that I tried the bill oay.feature ( recommended by an agent the night prior ) in person at a branch. I aaid there are no branches.within 50 miles. She said we'll how many miles away is it? I said I dont know I stopped at 50. Anyway now I am not able to use my account or the money in it and the bank is not helping me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
This is not the 4th time I have had to submit a complaint and dispute this on my credit report, XXXX needs to be held accountable. They have confirmed multiple times a {$0.00} balance, shown me where the account was credited, and still affect my daily life through ruining my credit by their continuous reporting of this through 3rd party collections agencies. This is absurd harassment at this point and worthy of legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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