vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: IA

Complaint narrative:
There was a modification set in place. I sent XXXX of XXXX trial period payments. They waited XXXX weeks and returned check stating it was late. I called to fix the problem. They said they will send new modification paperwork. Never received. I had a printed copy. I sent new in. I never received any notifications either by phone, email or regular mail. I have always had complications with them. The company is Shellpoint. They're not following banking guidelines. They claim to have sent something to sign. Why they sent check back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I opened XXXX chase accounts while I was still employed. The direct deposit waived the service fees. When I became unemployed and the direct deposit stopped, I tried to maintain the account to waive the fees. But Chase kept coming up with new ways to charge a fee. So I set the accounts to zero to close them. There is no option on thier app to close accounts so I just waited for the 60 days of XXXX balance they indicated will close the accounts. Friday XX/XX/year> both accounts were charged new fees. I believe it is illegal to take fees from accounts with XXXX balance and I would like to report what I believe is chases illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I placed an order on XXXX amounting to {$160.00} on XX/XX/year>, I did not receive that order so I requested a refund directly from the merchant. The next day of XX/XX/XXXX I filed a dispute because I hadnt heard back from the merchant, but then on XX/XX/year> the merchant issued a refund to my card ending in XXXX that I have with current banking. I waited XXXX days while those funds were pending in my account only for it to disappear and my account never to be credited the funds back. I reached out to XXXX again and they confirmed that they did indeed issue the refund. I reached out to current banking where they gave me XXXX different answers and left me confused and frustrated. I leader found out from an agent that I did not receive the money because the card that XXXX refunded the money to was closed per my request I completely forgot that I requested a new card but thought that I would still receive the funds and it would be redirected to the new card. I have reached out dozens of times to this bank and they have done nothing but continue to investigate its been way over XXXX business days and I still have not received the funds credited back to my account. Current banking customer support keeps telling me to reach out to the merchant to request a new refund, but I have reached out to the merchant multiple times and the merchant has already issued a refund and anyone that has an XXXX account knows that you can be flagged for fraud if you keep reaching out asking them to issue a refund to different cards. Today is XX/XX/year> and I still have not received my money back and I officially filed a refund on XX/XX/year>, so this is almost a month later and even though the merchant issued a refund, there are no funds credited to my account and they have given every excuse in the book and none of it makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NJ

Complaint narrative:
this debt was declared charge off which means i dont have to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Validation of Debt Request - SOUTHERN MANAGEMENT SYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide documentation to verify its legitimacy. Specifically, please provide : 1. The name and address of the original creditor. 2. The full account number associated with the alleged debt. 3. The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges. 4. Copies of any original signed contract or agreement bearing my signature that demonstrates I have a legal obligation to pay. 5. Documentation demonstrating your authority to collect on this account. 6. The date of default and the date the account was charged off. 7. A complete payment history on the account. Until this debt is properly validated, you must cease all collection activity, including reporting this account to any credit reporting agencies. If you are unable to provide the requested documentation, you must immediately cease collection efforts and remove any reporting associated with this account. All future communication with me regarding this matter must be in writing. I expect your response within the time frame required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok, XXXX XX/XX/26

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX To : Midland Credit Management , Inc . Attn : Compliance Department XXXX. XXXX XXXX XXXX, MI XXXX Debt Validation Request Dear Midland Credit Management, I am writing in response to your communication regarding the above-referenced account. This letter is a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide me with the following : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including a detailed breakdown of any interest, fees, or other charges added. 3. Copies of any documents bearing my signature that show I agreed to assume responsibility for this debt. 4. Documentation showing that you are legally authorized to collect this debt, including proof of assignment or ownership of the account. 5. The date of the alleged default and the date of the last payment made on this account. Until you provide the above-requested validation, you must cease collection activities and any reporting of this account to consumer reporting agencies. This request is not a refusal to pay, nor is it an admission that I owe this debt. Thank you for your cooperation. Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX, an account allegedly originating from XXXX XXXX was opened without my knowledge or authorization. This account is currently being reported by Portfolio Recovery Associates as a collection account in the amount of {$9800.00}. I did not apply for, open, authorize, or receive any funds from XXXX XXXX. I first became aware of this account when reviewing my credit report in late XXXX. On XX/XX/XXXX, I formally disputed this account with the credit reporting agencies and requested validation and documentation supporting the debt. I also requested proof that I signed or authorized this account. The company has continued reporting the account as Collection/Charge-Off without providing sufficient proof that this debt belongs to me. This inaccurate reporting is negatively affecting my credit score and my ability to qualify for housing and financing. This account appears to be part of a broader identity theft issue involving other accounts that I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have contacted my mortgage company XXXX times about reporting to the credit bureau and they are still not reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Clayton Holdings LLC
State: NJ

Complaint narrative:
I am submitting a complaint regarding my experience with a mortgage lender, XXXX XXXX at Green River Capital, during the pre-approval process in XXXX. On XX/XX/XXXX, I followed up regarding my pre-approval. I was told that it had already been sent and would be resent the following morning, with confirmation to follow. On XX/XX/XXXX, after not receiving anything, I followed up again and was told that it had been sent. I was then informed that the processor would resend it, as there were issues with delivery. On XX/XX/XXXX, I was told there was an issue with the lenders laptop and that emails were being sent to junk due to a technical problem. I was informed a new laptop was being set up and that the pre-approval would be sent as soon as possible. On XX/XX/XXXX, I followed up again and was told there had been a personal emergency and that the pre-approval would be sent after accessing the laptop. During this communication, I was also asked about the purchase price of the property. On XX/XX/XXXX, I was then informed that the pre-approval was not actually ready and that the lender was still trying to find a bank willing to approve a loan for the requested amount, noting that many lenders required a minimum loan amount. On XX/XX/XXXX, I followed up again and was told that the lender was still waiting to hear back from banks, with delays attributed to a holiday closure. Throughout this process, there was a consistent lack of clear communication, conflicting information about the status of the pre-approval, and no proactive updates provided. I had to repeatedly initiate follow-ups to receive any information. These delays and inconsistencies negatively impacted my ability to move forward in a time-sensitive homebuying process. Due to this experience, I chose to discontinue working with this lender. I am requesting a review of this situation to ensure better communication, transparency, and professionalism for future consumers.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-01 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: Radius Global Solutions LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681

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 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I am disputing an unauthorized ACH debit from my personal checking account. Posted transaction : XXXX XXXX, {$5000.00}, posted XX/XX/year> ( WEB ID XXXX ). My Coinbase account was compromised ; I did not authorize this transfer. XXXX stopped additional pending Coinbase debits on XX/XX/year> ( {$8000.00} / {$7500.00} / {$10000.00} ). I asked them to : Please open/confirm a Regulation E ( EFTA ) unauthorized EFT claim, provide a claim/case number, the XXXX XXXX number, and send me your written investigation results. They have not done that. They would only give me a verbal answer that my claim was denied and I would need to make a claim with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: Chime Financial Inc
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: NY

Complaint narrative:
Subject : Complaint Regarding Capital One Refusal to Process Billing Dispute Dear Sir or Madam, I am submitting this complaint regarding Capital Ones refusal to properly investigate a billing dispute involving returned merchandise that was never credited. In XX/XX/year>, I purchased merchandise totaling {$460.00} using my Capital One credit card. I returned the merchandise in XX/XX/year> in accordance with the merchants return policy. The merchant received the return but failed to issue the refund owed to me. After returning the merchandise, I contacted Capital One and opened a dispute. Since then, there has been ongoing communication and requests for documentation, which I provided in good faith. Capital One is now refusing to continue the investigation, stating that the dispute is beyond the XXXX period. This is unreasonable because I contacted Capital One shortly after returning the merchandise and cooperated with the dispute process. This matter involves returned merchandise for which no credit was issued, and the billing error remains unresolved. I respectfully request that Capital One : Reopen the dispute Conduct a proper investigation Issue the {$460.00} credit owed to me I have documentation showing the purchase, return, and my communications regarding this dispute and will provide it upon request. I am requesting assistance in resolving this matter " I first contacted Capital One regarding this matter shortly after returning the merchandise in XX/XX/year>. '' Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Reach Financial LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I Got a refinance loan thru Reach Financial to pay off a XXXX loan, # XXXX For {$8800.00}, along with another from XXXX XXXX XXXX The one with XXXX XXXX and a XXXX XXXX card were paid for the agreed amount with no problem. But for some reason the on with XXXX didn't go thru. I contacted both XXXX and Reach, XXXX said no payment was sent, Reach said they had wrong mailing address, so I found another one and gave it to Reach. They said it would be taken care of, this was in mid XX/XX/XXXX. And Reach did gave me a deferral for the month of XXXX. So I went ahead and made the XXXX payment of {$300.00} for XXXX. So waited again till XXXX and contacted Reach again, asked what was going on with the payoff. Because I had gotten a letter from XXXX saying that after a date in XXXX, they would have a new address for payments, so told Reach about the change starting in XXXX. Reach then said that they had mailed/sent payment to XXXX for XXXX {$8800.00}. My emails back and forth from reach will be attached as well as XXXX 's response to my inquiry about said payment. So once again by the end of XXXX contacted Reach again, and they told/emailed me another letter about it. My biggest problem is that Reach Financial hasn't fulfilled our agreement from XXXX of XXXX, I mean this should have been taken care of by mid XXXX at latest. It's Been 2 months of run around on Reach Financials part! They've said they have sent payment 3 times so far and it's still not paid off as per our contract. So now I've had to tax my fiances by not only paying XXXX, but also paying Reach for XXXX. So I'm out XXXX account for XXXX payments ( {$900.00} ) ( paid so it didn't go against my score ) and Reach 's XXXX for XXXX of {$460.00}, but they did defer XXXX 's payment. Now I understand that XXXX should/will refund any excess of Reach 's payment of {$8800.00}, but i still isn't a good practice to say the will payoff a loan and don't for 2 months. This has greatly hurt my financial situation and also given a bad outlook going forward with Reach. I just want some sort of apology for myself and some kind of penalty given to Reach for not doing what they said they'd do, in our agreement/contract. They should have to be held accountable for doing this to not only me but everyone it has happened to. Aren't there some kind of protection laws for consumers regarding this type thing. It can't be the only time this has ever happened to anyone,.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this complaint regarding my federal student loans, the handling of my XXXX XXXX XXXX XXXX eligibility, and fraudulent activity by a consolidation company that negatively impacted my repayment status. I borrowed federal student loans throughout my college career. Upon graduation, I entered the corporate sector. However, in XXXX, during the XXXX XXXX XXXX, I left that position and transitioned into XXXX work, where I have remained for approximately XXXX years. During my repayment period, I was approached by several loan consolidation companies. I selected XXXX and paid them for their services. I later discovered that the company was fraudulent and did not properly consolidate or manage my loans as promised. This caused significant confusion, financial hardship, and disruption in my repayment record. Years later, I learned about the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) program and applied, given my long-term employment in the XXXX sector. I was informed that only XXXX out of the required XXXX qualifying payments were credited toward XXXX. I do not fully understand how this calculation was determined, particularly given my consistent XXXX employment. I have dedicated nearly XXXX decades to XXXX XXXX, yet I am being told my service does not qualify me for full loan fXXXX. Additionally, my loans have been transferred between several third-party servicers over the years. These transfers have created further confusion, inconsistencies in payment tracking, and difficulty in maintaining clear records of my qualifying payments. I believe these servicing issues and the earlier fraudulent consolidation company significantly interfered with my ability to receive proper credit toward forgiveness. I have dedicated my professional career to serving the public through XXXX work. It is deeply concerning that after nearly XXXX decades of service, I am still burdened with student loan debt that I believe should have been forgiven. Thank you for your attention to this matter. I look forward to a thorough review and written response.

Company response to consumer: Untimely response