vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 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: PA

Complaint narrative:
I am submitting this complaint due to a multi-vector account takeover and security breach that began on XX/XX/year>. A third party gained unauthorized access to my digital payment account and initiated a series of fraudulent transfers that have resulted in a total loss of over {$2000.00}, plus approximately {$500.00} in institutional fees. 

Specific Unauthorized Transactions : XX/XX/year> : A single unauthorized withdrawal of {$1200.00} was pulled from my checking account ( via ID : XXXX ) and applied as a " Balance Payment '' to a revolving credit line issued by XXXXXXXX XXXX 

XX/XX/XXXX XX/XX/year> : A series of approximately sixteen fragmented ACH transactions, mostly in increments of {$49.00} and {$48.00}, were pulled from my checking account.

Actions Taken and Institutional Failure : I contacted the payment processor twice over a 4-day period, speaking with 12 different representatives. Despite being informed of the account takeover and provided with transaction IDs, the company has failed to reverse the unauthorized transactions or provide a definitive timeline for recovery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dc XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Improper Collection and Foreclosure Threats on a Zombie Second Mortgage To Whom It May Concern, I am submitting this complaint regarding a second mortgage loan that has recently resurfaced after many years of inactivity. The creditor or debt collector is attempting to collect on what appears to be a timebarred, dormant, or previously resolved second mortgage, commonly referred to as a zombie mortgage. Their actions raise serious concerns under the Fair Debt Collection Practices Act ( FDCPA ), the Real Estate Settlement Procedures Act ( RESPA ), and CFPB guidance issued in XXXX regarding timebarred mortgage debt. 
Background The alleged second mortgage or HELOC was originated on or around : XXXX The loan has been dormant for approximately XXXX  years. 
I received no statements, notices, or communication from the creditor or servicer during this period. 
I believed the loan was resolved during modification. 
On XXXX XXXX, I was contacted by PHH Mortgage services, demanding payment of the full balance plus accumulated interest and fees. 
They have threatened foreclosure / initiated foreclosure / reported negative information/ refused to validate the debt. 
Concerns The creditors actions appear to violate federal law and CFPB guidance, including : Attempting to collect or threaten foreclosure on a timebarred mortgage debt, which the CFPB has stated may violate the FDCPA. 
Failing to provide required validation and documentation upon request. 
Failing to provide accurate and timely servicing information, as required under RESPA. 
Attempting to collect amounts that may not be legally owed.

Requested Action I respectfully request that the CFPB : XXXX. Investigate the creditors attempts to collect on this dormant second mortgage. 
XXXX. Determine whether the debt is legally enforceable or timebarred under applicable state law. 
XXXX Review whether the creditors conduct violates the FDCPA, RESPA, or CFPB regulations. 
XXXX. Require the creditor to cease collection and correct any improper reporting or foreclosure activity. 
Supporting Documentation I am prepared to provide copies of : The collection letters or foreclosure notices My loan modification documents or bankruptcy discharge Payment history or servicer communications Any other relevant records Please advise if additional information is needed. 

Thank you for your attention to this matter. I look forward to your review and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: Bilt Technologies, Inc.
State: HI

Complaint narrative:
On XX/XX/2026, I contacted a representative via phone to formally rescind my acceptance of a credit card transition ( Bilt XXXX ). During this call, the representative explicitly confirmed that my request to opt-out was processed successfully. 

To ensure a written record, I sent a formal rescission email on the same day, XX/XX/2026, to both the rewards partner and the issuing bank ( XXXX XXXX XXXX ) before the transition deadline. This email clearly stated that I did not consent to the opening of a new line of credit and wished to remain with my current servicer. 

Despite both verbal and written confirmation of my refusal, the company ignored my instructions and opened a new line of credit in my name. The unauthorized account appeared in my mobile wallet on XX/XX/2026, and a physical card was shipped shortly thereafter. 

On XX/XX/XXXX and XX/XX/2026, I attempted to resolve this error via phone. On four separate occasions, I remained on hold for over 60 minutes, only for the company to terminate the call without allowing me to speak to a representative.

As this account was opened without my consent and in direct contradiction to a timely, confirmed rescission, I am requesting that the company delete the account record from all credit reporting agencies. Closing the account is insufficient, as the error was committed by the company after a verified opt-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CA

Complaint narrative:
On XX/XX/year> @ XXXX I purchased a book writing service through the company XXXX using my XXXX account and was charged XXXX different service amounts of {$110.00}, {$57.00}, and {$39.00}. Shortly after the purchaseI realized that this was not something I could not proceed with it and requested the service and a refund to be processed via email on XX/XX/year> @ XXXX. 

On XX/XX/year> @ XXXX XXXX XXXX the request but stated a refund was denied based on Terms & Conditions, as digital content was already provided. 

On XX/XX/year> @ XXXX XXXX XXXX XXXX XXXX XXXX the subscription cancellation but cited policy stating refunds are only for faulty products, not changed circumstances. I would never recommend using this company or its services based on their " Terms & Conditions '' as this is not clear when purchasing the service. 

I contacted XXXX on XXXX to file a dispute and received confirmation that XXXX is reviewing my case and then contacting the seller for additional information. 

I received an email from XXXX on XXXX from XXXX stating that my dispute was denied based on their records showing the item or service with the transaction was delivered to me. 

I filed an appeal on XXXX with XXXX stating that I did not use the service and cancelled within XXXX days of purchasing it. 

I received yet another denial from XXXX on XXXX stating that my appeal was once again denied for the same reasons as my initial dispute. 

Today, XXXX I contacted XXXX yet again and requested to speak with XXXX to resolve this dispute, but was told that I would receive a call back in XXXX hours. 

I find this to be unacceptable as my time has been wasted in trying to resolve the issue of not using a service that I cancelled within XXXX days, so I am now coming to CFPB for help.

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 2026-02-09 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: FL

Complaint narrative:
XXXX. is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX. is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
This complaint is against United Wholesale ( " UW '' ). My loan number is XXXX. I closed on my townhouse on XX/XX/XXXX. At that time, I was assured, through emails and insurance agent, that UW had all of the current insurance information. Some time in XXXX, XXXX, right after I closed, I was advised by UW that they did not have my hazard insurance information and forced placed insurance would be added and paid out of my escrow. Once that was straightened out, they sent me a letter on XX/XX/XXXX indicated they had ALL the information needed. 

I worked with my agent to get this information, even though it seemed odd that they did not have it as I needed to provide evidence of coverage for closing. It is unclear what my insurance agent submitted at that time. Approximately one week ago, I logged onto UW 's website to obtain information regarding property taxes and what popped up was that my next mortgage payment due on XX/XX/XXXX would be close to {$8100.00} ( from {$4100.00} ). The increase was from taxes going up and forced place insurance that I did NOT know about. The insurance premium was over {$16000.00} and now they have tacked that on to my loan account and won't do anything about it. 

Additionally, I contacted the loan processor and also sent her an email forwarded to me by my insurance agent. The email was from XX/XX/XXXX and it attached the invoices for ALL 3 insurance company premiums so they would be included in my closing. Somehow, they left hazard off. This is all the same company. The realtor was from United Realty, the lender is United Wholesale and the insurance agency is United Insurance Corp. I don't know if these companies are related in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kovo
State: PA

Complaint narrative:
Ive paid Kovo on time, it is reporting late to transunion. But it reports accurate on time for the others. The continued reporting of this account with inaccurate late payment, is hurting my credit, and may be in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act. Please update payment history on transunion account to on time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding two mortgage payments I submitted through XXXX bill payment transfer throgh Chase Bank. Both paymentsone for {$8500.00} and one for $ XXXX initiated on XX/XX/year>. The funds were immediately withdrawn from my bank account. I proceeded under the assumption that these payments would be sent to my mortgage company automatically and without delay, especially given that the payment carried a strict due date of XX/XX/XXXX, after which penalties would apply. 

To ensure accuracy, I contacted the bank to confirm that all transfer information was correct. After submitting the payments, I followed up with both the bank and my mortgage company. At that point, I was informed that the payment would not be sent until XX/XX/XXXX. This raised immediate concerns, as the funds were already removed from my account, yet were apparently being held in some type of internal or escrow-like account without my knowledge or consent. 

Upon learning of the delay, I notified my mortgage company and emphasized the importance of the payment arriving by XX/XX/XXXX. However, when I checked again on XX/XX/XXXX, the mortgage company still had not received the funds. 

I contacted the bank once more and was transferred between multiple departments without receiving a clear explanation. Eventually, a representative informed me that the payments could be canceled and the funds returned to my account. As of today, XX/XX/XXXX, neither the refund has been issued nor has the mortgage company received the payments. 

I also asked whether the funds were mistakenly sent to the wrong mortgage company, but I have not received a definitive answer. 

Consumers should be clearly informed of any delays in processing bill paymentsespecially mortgage payments with strict deadlines and significant financial consequences. Holding customer funds for several days without disclosure, while preventing timely delivery to the intended payee, is unacceptable and raises serious concerns. 

At this point, I need to know : Where are my funds, and why have they not been delivered or returned?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CADENCE BANK
State: MS

Complaint narrative:
I cashed out a mutual fund and deposited a {$27000.00} check via teller-assisted ATM at Cadence Bank because the bank was closed and I needed to get it in quickly for bills due. I specifically asked the teller if it was a problem to deposit a large check and she stated that it was not but that there may be a hold on it. She said that I would receive some of it Saturday, some Sunday and that it would deposit in gradual increments until it was all received. Its Monday and its all still unavailable and my daughter is needing money to pay for her wedding. I was given specific funds availability dates which were not honored. Customer service and branch management are referring me back and forth, while the XXXX XXXX, branch manager (? ) started off rude, as usual refusing to release funds until XX/XX/XXXX, which is 10 days from when I deposited. This has caused financial hardship, as the funds are needed to pay wedding vendors. I even offered to provide a phone number to the financial institution that the check came from so that they could confirm I had an account with them but no one is willing to work with the customers at this bank and no one can offer answers to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: SC

Complaint narrative:
Late payments reported in XXXX, when account should still be in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a XXXX debit gift card for {$100.00}, that does not expire until XXXX. The website that is shown on the back of the card is XXXX. The phone number on the back of the card is XXXX. The back of the card states that the card is issued by U.S. Bank National Association. 

I have tried calling the number on the back of the card to check my balance, which it just says that it can not find the account. I have tried filling a help ticket on their website which after filling out my basic info, I hit " next '' and it says " we can not complete this request, call the number on the back of the card. '' My gift card is for {$100.00} which I believe I should still have money in the account, either way I should be able to check my balance. 

This company will not even allow me to talk to a customer service representative, or submit a help ticket. They is absolutely no way to contact them.

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 2026-02-09 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: UT

Complaint narrative:
I have open a dispute with capital one about my quick silver one credit card, I called back in many many times and I have not received the same answer every time I talked to the account manager not even gave me the same information each time. XX/XX/XXXX and XX/XX/XXXX. I have been waiting for more than 45 days to hear back about my update ( merchant has not response ) and still told to wait up to 90 days. The amount was unsure because I was told the different amount each time too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
On or about XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX and it was financed through Bridgecrest. On XX/XX/XXXX, I traded the XXXX to XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX for a XXXX XXXX XXXX. I was given a {$20000.00} trade in allowance for the XXXX and the total payoff of the XXXX, due to Bridgecrest was {$26000.00}. The remaining {$6400.00} was added to the financing for the XXXX and was financed by XXXX XXXX XXXX XXXX XXXX. The XXXX was relinquished to XXXX XXXX XXXX and the bill of sale was executed between myself and the seller, indicating that the payoff would be sent to Bridgecrest. XXXX XXXX XXXX has since filed for bankruptcy and has not at this time sent the payoff check to Bridgecrest. On XX/XX/XXXX, I received a text message from Bridgecrest indicating that they were preparing for repossession and that my credit score would be negatively impacted. After calling Bridgecrest, they were unwilling to pause collection efforts while this situation is being resolved and indicated that they could not do so and would not share a transcript of the call with me. I have filed a complaint against XXXX XXXX XXXX with the Indiana Secretary of State - Dealer Services Division and I am currently working to submitting a proof of claim to the bankruptcy that was recently filed by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Formal Dispute of Late Payment Reporting Pursuant to 15 U.S.C. 1666 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX ( XXXX ) XXXX XX/XX/year> Capital One Billing Inquiries/ Disputes Department XXXX XXXX XXXX, XXXX XXXX XXXX UT, XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on the above-referenced account pursuant to the Fair Credit Billing Act, 15 U.S.C. 1666 and 1666 ( b ).

Under 15 U.S.C. 1666 ( b ), a billing error includes, but is not limited to, any charge or reporting that is inaccurate, not properly reflected, or otherwise incorrectly stated on a billing statement or consumer account. The late payment ( s ) reported on this account are inaccurate and are hereby disputed in their entirety. This letter serves as timely written notice of my dispute as required by 15 U.S.C. 1666 ( a ). Upon receipt of this notice, you are legally obligated to : 1.
Acknowledge receipt of this dispute within 30 days, and 2. Conduct a reasonable investigation and either correct the error or provide written clarification within two complete billing cycles ( not to exceed 90 days ), as mandated by federal law. 
During the pendency of this investigation, you are prohibited from continuing to report the disputed information as delinquent without noting that the account is currently under dispute, pursuant to applicable federal regulations.

If you are unable to provide documented proof that the late payment ( s ) were accurately reported including full payment history, billing statements, and evidence of proper notice you are required to remove the inaccurate late

payment ( s ) from my account and notify all consumer reporting agencies to which this information was furnished.

Failure to comply with the Fair Credit Billing Act may subject your organization to liability under federal law.

Please provide written confirmation of your findings and any corrective actions taken. I expect your full compliance within the statutory timeframes. 
This letter is sent without waiver of any rights or remedies available to me under state or federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation