vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 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: CT

Complaint narrative:
I am requesting CFPB assistance because Planet Home Lending has not provided a complete history of telephone communications and servicing notes relating to my mortgage loan, loss-mitigation applications, partial-claim discussions, foreclosure referral, payment application, escrow issues, and credit reporting disputes. I called Planet Home Lending on multiple occasions regarding my mortgage account, including assistance options, partial claims, payment timing, escrow concerns, foreclosure risk, credit reporting, and loss mitigation. Those calls are directly relevant to the servicing of my mortgage loan and to statements made by Planet representatives about what I needed to do, what options were available, and how my account would be treated. I am requesting the complete call log history for my account, including all inbound and outbound calls, call dates, call times, duration, phone numbers used, representative names or ID numbers, department/team, call disposition codes, account notes entered during or after each call, loss-mitigation notes, escalation notes, supervisor notes, quality-review notes, and any available call recordings or transcripts. If Planet claims it can not provide recordings, I request that it identify whether recordings exist or existed, the retention policy applicable to those recordings, whether any recordings were deleted or overwritten, and the date and reason for any deletion or non-retention. These records are necessary because my account is in foreclosure mediation and there are active disputes about loss mitigation, partial claims, payment application, escrow handling, foreclosure referral, and credit reporting. Planets telephone representations are material to those disputes. I am not requesting legal advice from Planet. I am requesting account-specific servicing records and communications history. I request that CFPB require Planet to provide a complete written response and produce the requested account communication records or identify with specificity which records it claims do not exist, which records it refuses to produce, and the legal or policy basis for any refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a XXXX XXXX advantage credit card hat was opened on XXXX and was just recently closed on XXXX. I looked at my online account on XXXX and saw that my available credit was {$0.00}. I called customer service and an agent told me that my account was closed due to : activity with other accounts with synchrony bank. I spoke to a supervisor named : XXXX who informed me that the account was closed on XXXX and a letter was mailed to me. I asked her what was the reason this account was closed being that this is a brand new account and I only have XXXX transactions on it. She looked under my social security number to see if any other accounts were opened in my name. She said that there was a paypal mastercard that was opened in my name a while back with little information on it. I informed her that I was a victim of identity theft years ago and have NEVER had a paypal mastercard account opened in my name that I applied for. I had several accounts that were fraudulently opened in my name years ago and I was never aware that a paypal mastercard was opened in my name.This current account with XXXX XXXX advantage is an account that I ( DID ) apply for in my name. I'm requesting for this account to be reopened, because this is a valid account. I'm attaching screenshots of my online account along with a picture of the front/back of this credit card. I would like for someone to contact me to assist me with getting this issue resolved.

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to request assistance and regulatory review regarding ongoing inaccuracies on my consumer credit reports that remain unresolved despite repeated disputes. I am a victim of identity theft that I believe resulted from large-scale data breaches involving Equifax and TransUnion, during which sensitive consumer information was exposed. As a result of this compromised data, my personal identifying information has been misused without my authorization. Since discovering these issues, I have : Filed multiple disputes directly with the consumer reporting agencies Contacted the furnishers of the disputed accounts Submitted follow-up correspondence and documentation Allowed sufficient time for investigation and correction Despite these efforts, several inaccurate and unauthorized accounts, collections, and credit inquiries continue to appear on my credit reports. These items do not belong to me, were not opened or authorized by me, and are consistent with identity-theft-related fraud. The companies involved have either : Failed to conduct a reasonable investigation Verified inaccurate information without providing validation Failed to remove or correct disputed items within the timeframes required by law This ongoing failure has caused continued harm to my creditworthiness, financial opportunities, and personal security. I believe these actions constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to ensure maximum possible accuracy Failure to reasonably investigate disputes Failure to correct or delete unverifiable information I respectfully request that the CFPB : Review my complaint and supporting documentation Require the consumer reporting agencies and furnishers to properly investigate Ensure removal of all inaccurate, fraudulent, or unverifiable accounts and inquiries Enforce compliance with applicable federal consumer protection laws I am submitting this complaint in good faith and am prepared to provide any additional documentation needed to support my claims. Thank you for your time and assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Someone used my SS # to open JetBlue - Barclay Bank credit card and this inquiry shows on my credit report. I tried to delete this inquiry with XXXX and they require cfpb report.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of XXXX on my credit card account ending in XXXX. I set up autopay on XX/XX/year>. I also contacted Bank of America customer service to confirm that the autopay setup was correct. My next payment due date was XX/XX/year>. However, the autopay did not process the payment for that due date, and Bank of America charged me {$100.00} in standard interest on XX/XX/year>. I requested a review, but Bank of America declined the refund and treated the issue as a standard fee/interest refund request. The response did not address the core issue : why the autopay set up on XX/XX/XXXX did not process the XX/XX/XXXX payment, whether the autopay was active before the due date, whether it was scheduled to start only after that due date, or whether I was clearly informed that I still needed to make a manual payment for XX/XX/XXXX. I am requesting that Bank of America provide a clear written explanation of why the autopay did not run for the XX/XX/XXXX due date after I set it up and confirmed it. I am also requesting that Bank of America reverse the {$100.00} interest charge if the charge resulted from unclear autopay timing, system behavior, or misleading/incomplete customer service confirmation.

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 2026-04-30 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Asked for an FHA review and they will not reduce my PMI. My house har XXXX equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am currently dealing with a serious issue regarding my car and the status of my account. When I originally purchased the vehicle, there was an error on the contract involving the VIN number that was provided by the dealership. I was told by the dealership that they would take care of all the necessary paperwork, so I was not responsible for handling or verifying those details myself. To make matters more complicated, the dealership where the purchase was made is no longer in business, so I am unable to go back to them to correct or address the issue. As a result of the incorrect VIN and registration issues, my car was taken to a tow lot, and I was unable to retrieve it because it was not technically registered under my name. Ally Auto then repossessed the vehicle from the tow lot, and it is currently in their possession. Despite no longer having the car, I am still making monthly payments on the loan. This situation is extremely frustrating, as I am paying for a vehicle that I do not have access to, due to circumstances that were outside of my control and tied to errors made during the purchase process. I have already reached out to Ally Auto to address the situation and opened a case to get it resolved. However, as of now, I have not received any response or follow-up regarding my case. This lack of communication has made it difficult for me to understand the next steps or make any informed decisions about my vehicle. I am still waiting to hear back from Ally Auto with an update or resolution.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
I am writing to file a second complaint regarding CFPB Case # XXXX ( Account # XXXX, original creditor XXXX XXXX XXXX XXXX XXXX owner XXXX XXXX XXXX XXXX serviced by XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I submitted an inquiry through the CFPB disputing this debt. On XX/XX/year>, XXXX responded with an account summary and a copy of the original promissory note. However, two critical issues remain unresolved : 1. FAILURE TO DOCUMENT CHAIN OF TITLE Resurgent 's response letter explicitly states : " Resurgent is not obligated to provide a copy of a purchase and sale agreement and declines to do so. '' No documentation was provided to establish how or when the debt was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. Without a purchase and sale agreement or equivalent assignment documentation, I can not verify that XXXX XXXX XXXX has the legal right to collect or report this debt. The account summary prepared by XXXX on behalf of XXXX is a self-prepared document and does not constitute independent proof of ownership. 2. COLLECTION ESCALATED TO LAW FIRM WHILE ACCOUNT IS MARKED DISPUTED Resurgent 's own response confirms this account is currently being reported as disputed to the credit bureaus. Despite this, XXXX XXXX XXXX has now referred the account to Tenaglia & Hunt, P.A. for collection. Escalating an unresolved, actively disputed debt to a law firm without first providing complete verification raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: NC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
The servicer is in violation of RESPA 12 CFR 1024.17 by failing to use the " best available information '' to " reasonably anticipate '' tax disbursements. On their escrow analysis, Rocket Mortgage projects future XXXX XXXX disbursements of {$5100.00} for XXXX and XX/XX/XXXX. This projection is factually incorrect. Factual Proof : Stabilized Payments : Rockets own records show a tax payment of {$4100.00} was made on XX/XX/XXXX. This is the new stabilized quarterly rate. Certified Documentation : I have provided a certified tax statement from the XXXX XXXX XXXX XXXX ( originally sent XX/XX/XXXX ) confirming my actual annual liability is {$16000.00}. The Error : By annualizing a one-time XXXX " True-Up '' reconciliation ( {$5100.00} ) instead of the current rate ( {$4100.00} ), Rocket Mortgage is over-projecting my annual tax by {$2000.00}. This has resulted in an illegal escrow shortage calculation and an over-collection of my 2-month cushion. History of Non-Resolution : I have attempted to resolve this for over 10 weeks via multiple channels. I initiated a manual escrow re-analysis via phone onXXXX XXXX. I followed up by phone on XX/XX/XXXX and I submitted all necessary tax documentation onthat same date via email. I sent three follow-up emails onMarch XXXX, XX/XX/XXXX, and onXXXX XXXXnoting the incorrect billing. Most recently, on XX/XX/XXXX, I spoke with XXXX ( ID # XXXX ), who acknowledged the error but refused to perform a manual override. A promised 48-hour supervisor callback never occurred. Today XX/XX/XXXX I used certified mail to make another notification of error. I will be paying another overinflated monthly payment on it's due date, tomorrow XXXX due to their failure to correct the error. I have never missed a single payment in the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a Capital One XXXX XXXX credit card very soon after it was launched in late XXXX. In XXXX, I was able to convert XXXX reward miles to XXXX XXXX miles. About a year and a half ago, I tried to convert another XXXX reward miles to XXXX XXXX miles on its website, but nothing happens after I clicked " Complete Transfer '' button on its website. The button turned from green to grey and nothing happens. Thinking it's just a temporary system glitch, I thought I will try back later. In late XXXX, I tried again and it gave me the same problem. I called Capital One several times over the next few months to resolve this problem, describing the same problem to countless Capital One staff members over the phone. Together we troubleshoot on different browsers, computers, locations, phone apps on different phones without any success. I also tried converting points to XXXX XXXX and XXXX XXXX, and encountered the same technical problem. I called Capital One today XX/XX/XXXX at about XXXX XXXX and stayed on the phone with 2 different Capital One staff members trying to resolve this technical problem without success. Yet another case was opened because the staff member has no visibility to previous cases. At about XXXX XXXX, I received a call from a Capital One staff saying they have troubleshoot all means and are unable to fix this technical issue. I asked if it is possible for Capital One to manually convert the reward miles to airline miles. She said this as not possible, but there are other ways to redeem reward miles such as using them to offset purchases. I told her this devalues the value my reward miles and I would like to covert them to airline miles for better value. She said Capital One credited me with XXXX mile on XX/XX/XXXX and hopefully this will make up the devaluation of my reward miles. Knowing this is the extent of the assistance that I am going to get from Capital One, I thanked her and hanged up. Currently, I have XXXX reward miles. Using them to offset purchases gives me a value of {$0.00} per reward mile for total value of {$5900.00}. Converting these reward miles to XXXX XXXX miles easily gives me a value of {$0.00} per reward miles. Effectively, by not converting my reward miles to XXXX XXXX miles, Capital One shortchanged me by at least {$5900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was the victim of an online scam involving the attempted purchase of a puppy advertised on XXXX on a page claiming XXXX XXXX XXXX for XXXX XXXX XXXX. An individual using the name XXXX XXXX claimed to be selling a puppy in XXXX, Florida and requested a {$200.00} deposit via Chime. I was then contacted by a second party claiming to be a delivery service ( XXXX XXXX XXXX ), who demanded additional refundable fees for transport, insurance, and a crate. I was repeatedly assured that all payments would be refunded upon delivery of the puppy. Believing these representations, I sent approximately XXXX payments over six days using XXXX XXXX, Chime, XXXX, and XXXX XXXX. The total loss is approximately {$6300.00}. On XX/XX/year>, I was asked for an additional {$2000.00} and the contact suddenly changed phone numbers and instructed me to block the prior number, at which point I realized it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have applied for a Mortgage XXXX, as Fifth Third suggested. They would never respond and when I followed up, they would say they didn't get the proper documents. I was told at 3 different times by Fifth Third not to make a mortgage payment while the application was pending. I complied in good faith until today I received a Foreclosure Notice! I called when I received it and they said, " The foreclosure will remain while the application is in review. They should not have told you not to pay your mortgage. Sorry about that. '' I need assistance. I can pay my mortgage and have been able to for a long time!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I have interest bearing account with Bank Of America number XXXX. Ive never received the interest on my account and there are many high dollar unauthorized fees charged to this account. I want the bank to pay me the interest they owe me for all those years where they never credited the interest on my interest bearing account and return all the fees that they illegally charged to my account. Supporting recent decision but the XXXX XXXX XXXX is in XXXXXXXX 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 explanation