vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
I ordered a product from the XXXX XXXX XXXX XXXX. I canceled the order because the merchant said they didnt have what I ordered. I asked for a refund and waited two weeks and heard nothing from them. I filed a dispute with my bank XXXX on XX/XX/year>. I originally was told it would take 50 days. Then they told me to wait 30 more days and have not followed up with my transaction or whats going on. Its been over 90 days and I have not heard from their merchant nor my bank and the status still shows under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
My account was supposedly closed by Comenity Bank due to a late payment. I paid off the balance in full but they keep charging me $ XXXXmonth for account maintenance. I've tried to call customer service three times but the call drops before I'm able to speak to an agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to request a formal review of the deferred interest charge of {$780.00} that was recently applied to my XXXX XXXX account financed through Synchrony. I have been a responsible customer and have never been late on this account or on any of my other credit obligations. For this reason, I was extremely surprised when Synchrony closed several of my accounts and informed me that I represented a potential credit risk. I found this decision difficult to understand given my history of timely payments and responsible credit management. Following the account closures, I paid off my XXXX account and other balances. I kept the XXXX account because I believed the promotional financing period was still in effect. I did not realize that the promotion had expired on XX/XX/XXXX until recently, when an XXXX credit was issued after my account had already been closed. Once I became aware that the promotional period had expired and that deferred interest of {$780.00} had been assessed, I immediately contacted Synchrony seeking assistance. Unfortunately, I found the customer service experience disappointing. I felt that my long history of on time payments and responsible account management was not taken into consideration. Rather than receiving assistance or a meaningful review of my circumstances, I was simply told that nothing could be done. What I find most concerning is that Synchrony determined prior to this that I was a credit risk despite the fact that I have never been late on my Synchrony accounts or on any of my other credit accounts. As a customer who has consistently met my obligations, I believe my payment history should have been given greater consideration. I am respectfully requesting a goodwill review of the {$780.00} deferred interest charge. I am not disputing that the promotional period expired ; rather, I am asking Synchrony to consider my excellent payment history, the account closures, the confusion surrounding the account credits, and my efforts to promptly address the matter once I became aware of it. I would also like to emphasize that I am prepared to immediately pay the remaining principal balance in full if Synchrony agrees to remove the deferred and accrued interest charges. I am not seeking to avoid my obligation for the original purchase. My goal is to resolve this matter promptly and satisfy the account in full. I am simply requesting consideration regarding the deferred interest charge based on my history as a responsible customer and the circumstances described above. I hope Synchrony will reconsider its position and provide a reasonable resolution. I respectfully request that this matter be reviewed by a manager or executive customer relations representative with authority to evaluate goodwill adjustments. thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Onity Mortgage, servicer for the VA mortgage lender/owner, provided to me the following response -via a letter dated XX/XX/XXXX, XXXX when denying my request for a loss mitigation repayment program, which VA lender 's policies allows, and indicating that it denied said request because : " [ t ] he Account Has Been Deemed To Be In Imminent Foreclosure Based On The Scheduled Foreclosure Sale Date As Of The Package Received Date. '' The " Received Date '' referenced above is XX/XX/year>. However, in subsequent correspondence and communications Onity Mortgage confirmed to me that no foreclosure date was " scheduled '' and neither has been scheduled as of the date of this complaint nor at any time since XX/XX/year>, and my filed Notices of Errors and Appeal. We filed an appeal and a Notice of Error on XX/XX/year>, and another Notice of Error on XX/XX/year>, due to the intentional misrepresentations from Onity Mortgage as it relates to the above-mentioned issue. In the responses we received from Onity Mortgage it confirmed that no foreclosure date was scheduled at the time of their written letter nor when it received our loss mitigation request on XX/XX/year>. Yet, Onity continues to disregard that it intentionally lied in its response to our request for loss mitigation to deny our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
On XXXX XX/XX/XXXX, I received a letter regarding an alleged monetary obligation of {$390.00}. On XX/XX/XXXX, I responded to contest the charge and requested clarification. I did not receive any response. On XX/XX/XXXX, I contacted the company after receiving a phone call from a collection agency. I explained that I was surprised to learn of the collection activity because I had never received a response to my XX/XX/XXXX inquiry and had not received any meaningful follow-up communication from the company before the account was referred to collections. I received no response. I followed up again on XX/XX/XXXX, seeking clarification regarding the alleged debt and the collection activity. Again, I received no response. Because my prior communications had gone unanswered and I had not received sufficient information regarding the status and legitimacy of the alleged debt, I believed the collection call could have been fraudulent or a scam attempt. In XX/XX/XXXX, while attempting to refinance a property loan, I learned that a collection account had been reported to the credit bureaus. I was surprised to discover this, as my prior attempts to obtain information and clarification from the company had gone unanswered. Once I confirmed that the balance was legitimate, I immediately paid the collection account in full under protest on XX/XX/XXXX. I do not dispute that the balance was ultimately owed. My complaint concerns the lack of communication and failure to respond to my inquiries before the account was sent to collections and reported to the credit bureaus. Since XX/XX/XXXX, I have repeatedly attempted to work directly with the company to resolve the matter and address the consequences of the communication failures that led to the collection account. Despite these efforts, the company has not provided a meaningful resolution. I have also disputed the matter with the credit bureaus, and the account is currently reported as paid. However, the collection account remains a result of what I believe was an avoidable communication breakdown. Had the company responded to my inquiries or provided adequate follow-up before referring the account to collections, I would have resolved the balance immediately and avoided the resulting credit damage. I respectfully request that the company review the circumstances surrounding this matter and take appropriate corrective action.

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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing an alleged debt associated with a former XXXX XXXX account that is now being collected by XXXX XXXX or XXXX. Multiple agencies are trying to collect and XXXX is misrepresenting on Equifax as if they still own the account AND reporting two accounts of the same credit card. I dispute the alleged debt and have requested verification of the amount claimed and the basis for collection. Despite the existence of this dispute, collection efforts have continued without providing sufficient documentation establishing the accuracy of the balance or my legal obligation for the amount being collected. Specifically, I request : XXXX. A complete account history from opening through closure. XXXX. All account statements. XXXX. A transaction-level accounting showing how the final balance of {$2300.00} was calculated. XXXX. Documentation supporting any fees, interest, adjustments, charge-offs, credits, or other charges included in the balance. XXXX. Documentation demonstrating the accuracy of the amount being collected by XXXX XXXX. XXXX. Documentation showing how the account was investigated after I disputed account activity with XXXX. I am concerned that the balance being collected may not accurately reflect the account history and transactions that were previously disputed. There are multiple discrepancies with payment history on XXXX from this account. If XXXX XXXX can not substantiate the balance with complete account-level documentation, I request correction or removal of any inaccurate reporting and cessation of collection efforts based on unverified amounts. I also request that all future communications regarding this matter be conducted in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I requested debt validation from this debt collector, and what was given was insufficient, incomplete, and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was the victim of XXXX XXXX around early XXXX, and tried calling XXXX XXXX to alert them of said fraud and to open a claim. They wouldnt let me open a claim, so I sent a written letter and have proof of it. I got no response to my written letter, and they are now trying to charge the joint owners of the account when they fail to communicate/respond to any forms of communication. I have called, sent a letter, made a report with the FTC, and nothing has been solved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX XXXX ( VIN : XXXX ) with a Bank of America XXXX loan that was charged off in XX/XX/XXXX. There has been no contact from Bank of America and no repossession attempt in over 6 years. The debt is time-barred under Texas law XXXX XXXX statute of limitations expired around XXXX ). On XX/XX/XXXX, I sent a certified demand letter requesting a full XXXX of XXXX and zero-balance letter. I sent a second certified demand letter on [ insert exact date of your second letter ] with the same request. Bank of America has completely ignored both letters ( XXXX return receipts attached ). A Bumper.com VIN check shows a clean title, but the lingering recorded XXXX is preventing me from obtaining clear title. I am currently pursuing a bonded title through the Texas XXXX process. I request that Bank of America immediately provide : XXXX. A properly executed XXXX of XXXX suitable for recording with TxDMV. XXXX. A zero-balance / paid-in-full letter confirming no further liability or deficiency.

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint against Truist Bank for failing to properly investigate and respond to my direct dispute under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a detailed written dispute ( via certified mail ) to Truist Bank Credit Bureau Services, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, regarding my repossessed auto loan account # XXXX. In that dispute, I requested validation of the deficiency balance and repossession reporting, specifically : Date of repossession Date and location of the auction Itemized breakdown of all fees added Actual sale price of the vehicle Copy of the notice of sale mailed to me Proof I was given the opportunity to redeem the collateral Method used to calculate the remaining balance I clearly stated that, until this information is provided, the reporting is disputed as inaccurate under FCRA 623 ( a ) ( 1 ) ( A ), and failure to validate requires removal or correction of the information. As of today ( XX/XX/year> ), more than 100 days have passed since my original dispute was sent, and I have received no response whatsoever no validation documents, no explanation of their investigation, and no notice that the dispute was deemed frivolous or irrelevant. This is a clear violation of Truists obligations as a furnisher of information under the FCRA. The account has since updated on my credit reports ( via XXXX XXXX ) to show as Closed with a {$0.00} balance and a notation of Payment after repossession. However, this update does not satisfy my validation request, and the derogatory repossession information remains on my reports without proper verification.

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 2026-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: KY

Complaint narrative:
CRI servicer claims student loans were transferred in XXXX of XXXX. They claim they sent communication, which we never received around the loan switch. We were still paying the loans with XXXX and were in natural disaster deferment at that time. They failed to send us any communication of the transfer, or deliquent payments but reported to the credit bureau around in before ever educating us. I spoke to them on XX/XX/XXXX and they said they would remove the derogatory marks against credit and it has been 30 days. I reached back out today and they are declining to change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I added the XXXX offer to the Chase XXXX credit card that would give 30 % cash back if spending over {$150.00}. I used the link in the offer, and spent {$190.00} on XX/XX/XXXX, before the expiration of the offer in XXXX. I waited for the cash back to be applied, but it did not. I called and was told to wait for it to be applied. I called again, and was told the fact that it showed up in the statement as XXXX ( the parent company ) instead of XXXX may be an issue and it was escalated. I called multiple times after for an update, but was eventually told to wait till XX/XX/XXXX. When I called back on XX/XX/XXXX, they said the offer was only available in XXXX and that it was impossible I added it before the purchase. I told them it was available beforehand, which I confirmed through XXXX searches, but they said they could not confirm whether it was available or added by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a formal complaint against Citibank ( Best Buy Credit Card ) regarding a predatory {$1300.00} deferred interest charge applied to my account. Due to a minor mathematical miscalculation on a {$2500.00} promotional balance, I missed the final payoff deadline by a single month, leaving a tiny remaining balance of {$150.00}. I have acted in absolute good faith, consistently making automatic/regular monthly payments of {$100.00} every single month without fail, both before and after the promotional window expired. I was completely unaware a fraction of the balance remained. Customer service refused to assist me, hiding behind a '60-day regulatory remediation window. ' However, I am not disputing a billing error under the FCBA ; I am requesting an executive review of a massive {$1300.00} penalty levied against a customer in good standing over a {$150.00} math oversight.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I am submitting this complaint because the prior response provided by XXXX XXXX failed to address several material facts and documents concerning the servicing of my mortgage loan and ongoing foreclosure action. Between XXXX and XXXX, XXXX XXXX XXXXXXXX repeatedly encouraged me to apply for mortgage assistance, accepted multiple Mortgage Assistance Applications, requested and received financial documentation, hardship information, income information, and disability documentation, and repeatedly represented that my account would be reviewed for available mortgage assistance options. Throughout this period, different reasons were provided for denial, including : * Prior modification history ; * Investor restrictions; * Delinquency requirements ; and * Prior reviews conducted during the same delinquency cycle. Despite these denials, the servicer continued sending mortgage assistance notices and Early Intervention letters advising that modification and other assistance options may be available and encouraging additional applications. Most concerning is that on XX/XX/XXXX, in the foreclosure case filed against me in XXXX XXXX, Ohio ( Case No. XXXX ), XXXX XXXX XXXX XXXX XXXX , through foreclosure counsel, filed a Motion to Stay the foreclosure action. The plaintiff represented to the court that the loan was under review and that foreclosure proceedings had been placed on hold pending completion of that review. The court granted the stay. However : * I have never been informed what review was being conducted; * I have never been informed of the results of that review; * I have never received any findings or conclusions from that review; * The plaintiff has not filed a Motion to Reinstate the foreclosure case as contemplated by the courts stay order. The prior CFPB response did not explain : 1. What review caused the foreclosure to be stayed ; 2. Whether the review was completed ; 3. The results of the review ; 4. Why repeated mortgage assistance applications were accepted and processed if the servicer believed investor restrictions permanently prevented approval ; 5. The specific investor authority relied upon to deny assistance. I request that NewRez and/or XXXX provide : * All documents relating to the review referenced in the XX/XX/XXXX Motion to Stay ; * The final outcome of that review; * The specific investor guideline or authority relied upon for denial of mortgage assistance ; * A complete accounting of all loss mitigation reviews performed between XXXX and XXXX ; * An explanation for the continued solicitation and processing of mortgage assistance applications despite the asserted investor restrictions. I am seeking transparency and documentation regarding the servicing, loss mitigation reviews, and foreclosure actions taken on this account.

Company response to consumer: Untimely response