vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was a new Capital One customer. I accidentally attempted a transfer from another account to my Capital One account, but the other account had no funds. My Capital One account was closed as a result. I was told that my remaining balance of {$1000.00} would be sent to me by check, but I have not received it. It has now been about XXXX months, and I have received no resolution or clear response from customer service. I am requesting the immediate release of my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: NJ

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 non-monetary relief
Consumer complaint received 2026-03-17 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: Shellpoint Partners, LLC
State: NV

Complaint narrative:
On or about XX/XX/year>. I refinanced a loan from XXXX/NewRez mortgage that was being serviced by Shellpoint Mortgage Servings XXXX Property address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Loan # XXXX. The above account was refinanced after the above mortgage entities defraud me out of XXXX $ in payments that included fake foreclosure fees, multiple ( 40 + electronic appraisal fees ). Unknowingly I didn't realize [ The XXXX XXXX ] was working with the above entity to steal my property. They orchestrated the removal of my deceased mother 's name from the deed through the heloc company and transferred it back to NewRez with their affiliate entity Shellpoint Mortgage Servicing without the signg of the other XXXX names on the deed. After the Refinance was completed. I made the first payment on XX/XX/year>. But I never received a statements at my billing address XXXX XXXX XXXX and I could not get only access to the the account with cornerstone mortgage servings. in mid XXXXXXXX XXXX XXXX I was inform that my account was sold back to NewRez and when I contacted them they would not give me access to my account. I have left multiple messages and Newrez/Shellpoint mortgage has not called me back until today and when I answered they hung up. No messages have been left on my voice and I can not get anyone ont the line to see and make payments. XXXX/NewRez/Shellpoint Mortgage Serving is do the same things has been doing before. These companies have In fact worked in conspiracy to defraud, and steal my property. And refused me access to the statements and ability to make payments. The " The XXXX XXXX '' complete uncertified appraisal, charge me 13.78 % rarte, and did not provide me a 30 days notices of the transfer/Sale of the property to Newrez/Shellpoint. The refused/limited the refinance only sale/transfer the property back to NewRez/Shellpoint Mortgage Servicings. As of this complaint I do have access to the account. And I have received and made at my billing addressed and which is were ai signed and notarized the loan documents : Loan : XXXX My billing making address ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX I do not have the account number for the Shellpoint Mortgage Servicing.

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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: MN

Complaint narrative:
I have been trying for over three weeks to contact XXXX XXXX to resolve and settle a debt with a one-time payment. During this time, I have called their office well over 60 times, ( I can proved proof ). The calls either go unanswered or go to voicemail. I have left multiple voicemails and have also submitted several messages through their website contact form. Despite these repeated attempts, I have received no response. This has become extremely frustrating because I am actively trying to resolve this matter and make a payment, yet the companys lack of communication has made that impossible. It should not be this difficult for a consumer to pay and settle a debt. I am requesting that XXXX XXXX contact me as soon as possible so this matter can be 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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint against IQ Data International regarding the inaccurate and inconsistent reporting of a collection account on my credit file. This account is currently being reported across multiple credit bureaus with conflicting and inconsistent information. Specifically : * The account status is reported as Open with XXXX, while XXXX and XXXX report it as Closed * The dispute status is inconsistent across the bureaus * The dates of last activity and verification are not consistent These discrepancies indicate that the information being reported is unreliable and not properly verified. Additionally, I do not recall authorizing or entering into any agreement with IQ Data International, and no competent evidence has been provided to establish my liability for this account. As a third-party collection agency, IQ Data International must be able to provide full validation of the alleged debt, including : 1. A signed contract or agreement with the original creditor 2. Documentation showing the full chain of assignment 3. Proof that the amount being reported is accurate At this time, no such documentation has been provided. Under the Fair Credit Reporting Act ( FCRA ), information reported must be accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
This is a follow-up for the case # XXXX. They say they want to help me with a loan modification, but they keep asking for the same documents over and over again, such as bank statements, a letter of explanation, Form 4506-C, etc. They don't seem to review all the uploaded documents properly. Instead, they ask for the same thing every time I try to get some updates. It has been almost XXXX weeks since I submitted everything. They try to stall the process, apparently, or are completely incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing this complaint against Bank of America ( Claim # XXXX ) for failure to conduct a 'reasonable investigation ' as required by the Fair Credit Billing Act ( XXXX ). On XX/XX/year>, I booked a flight through XXXX for departure on XX/XX/year> ( XXXX days later ). I called XXXX to cancel within XXXX hour of booking. Under DOT mandate 14 CFR 259.5, all consumers are entitled to a full refund if they cancel within XXXX hours of a booking made XXXX days before departure. Bank of America has refused to resolve this billing error. A bank supervisor explicitly provided me with false legal information, claiming the XXXX rule only applies to 'over the counter ' purchases. This is factually incorrect under 14 CFR 259.5 ( b ) ( 4 ), which covers website and phone bookings. Furthermore, the bank ignored the merchant 's own evidence. In XXXX internal notes ( Case # XXXX ), the agent admits I requested a refund under the DOT rule but claimed their 'internal policy overrides company policies. ' It is an 'unfair and deceptive practice ' under 49 U.S.C . 41712 for a merchant or bank to claim that a private policy overrides federal consumer protection law. The bank 's refusal to recognize a legally void contract constitutes a failure of their duty under the FCBA. I am requesting that the bank reverse the {$1000.00} charge immediately

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 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: OK

Complaint narrative:
in XX/XX/XXXX the amount was originally for XXXX it was XXXX separate things XXXX television and XXXX XXXX XXXX was able to previously get both disputed with XXXX . i just got notified on XX/XX/XXXX that a different collection agency is trying to collect the debt but for only XXXX i tried disputing again and couldnt get it taken off.

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 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding the repossession of my vehicle and the lack of proper post-repossession notice and transparency. I request that whoever is assigned to my case speaks XXXX, please. My vehicle, a XXXX XXXX XXXX ( Account # XXXX, Plate # XXXX RMM ), was repossessed by Santander Consumer USA. While I understand that I had fallen behind on payments, I made efforts to resolve the delinquency. I was NOT informed of the pending repossession BEFORE OR AFTER. I contacted Santander and advised that I am prepared to pay all XXXX missed payments in full immediately, which would bring my account current. I have the funds available to do so. However, I was informed that I am only allowed to pay the full loan balance to recover the vehicle, which I can not afford. At no point did I receive clear post-repossession notice outlining my rights. Specifically : I did not receive any notice informing me that my vehicle had been repossessed I did not receive a notice explaining my right to redeem the vehicle or the amount required I was not informed of the location of the vehicle I was not given clear notice of any intended sale or timeline Despite my willingness and ability to bring the account current, I was not provided a meaningful opportunity to do so before being required to pay the full accelerated balance. I request that whoever is assigned to my case speaks XXXX, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I submitted a written request to cancel my Private Mortgage Insurance ( PMI ) pursuant to the Homeowners Protection Act, 12 U.S.C. 4902 ( a ). My loan-to-value ratio is well below 80 % based on the original purchase price, satisfying the equity threshold for cancellation. My request was denied. The denial stated only that I had not been current on payments at some point within the last XXXX years. No specific date, payment, or other identifying information was cited to support this assertion. On XX/XX/2026, I called the servicer to discuss the denial. A customer service representative named XXXX reviewed my payment history in the servicer 's system during the call and confirmed that there were no late payments reflected in my payment history and that there was no basis for the denial. I requested that the servicer cancel the PMI, but it refused, saying that I had to submit a written protest of the denial. No action was taken to resolve the denial during or after that call. Also on XX/XX/2026, I submitted a Qualified Written Request ( QWR ) pursuant to RESPA, 12 U.S.C. 2605 ( e ), protesting the servicer 's determination regarding cancellation of the PMI, and requesting my complete payment history, the specific date of any alleged late payment, and a written explanation of the legal basis for the denial. The QWR was sent via certified mail. Tracking confirms the servicer received it on XX/XX/2026. The XXXXbusiness-day acknowledgment deadline under 12 U.S.C. 2605 ( e ) was therefore XX/XX/2026. No acknowledgment was received by XX/XX/XXXX. An acknowledgment letter dated XX/XX/2026 was received on XX/XX/2026, XXXX days past the statutory deadline. The envelope bore no postmark, making the actual mail date unverifiable. The letter contained no substantive information beyond a statement that my inquiry had been received. This loan is owned by XXXX XXXX and was previously subject to an approved forbearance with payments deferred to a non-interest-bearing balance due at maturity, consistent with XXXX XXXX 's XXXX Payment Deferral program. No loan modification was executed. The servicer 's denial may be attributable to the forbearance period, during which I was not delinquent, my payment obligations were suspended by the servicer 's own agreement. Treating an approved forbearance as a payment history deficiency is inconsistent with the XXXX XXXX, XXXX. XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, both of which required that borrowers in approved forbearance be treated as current.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request a review of your handling of a dispute I previously submitted regarding inaccurate information on my credit report. It appears that the disputed item was not properly investigated before being verified and continued on my credit file. Under the Fair Credit Reporting Act, credit reporting agencies are required to conduct a reasonable investigation of disputed information before determining its accuracy. I believe that this obligation was not fulfilled in my case, as the disputed account remains on my report without sufficient verification or supporting documentation. I respectfully request that you conduct a thorough reinvestigation of the disputed account, including direct verification with the original creditor and a review of all supporting documentation. Please provide copies of any documents used to verify the account, as well as the method of verification. If you are unable to verify the accuracy of this information through a proper investigation, I request that the item be removed from my credit report immediately. Please respond within XXXX days of receipt of this letter with the results of your reinvestigation. I also request written confirmation of any corrections or deletions made to my credit file. Thank you for your attention to 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 explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am writing to dispute the alleged debt you claim I owe in the amount of {$1900.00} related to a XXXX account. I am requesting full validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act. Please provide : The name and address of the original creditor The full account number A complete itemized statement of the amount claimed, including all fees and charges Documentation showing that I agreed to and am responsible for this debt Proof that your company is authorized to collect on this debt I also request that you provide documentation showing that this debt has been verified before continuing to report it to any credit reporting agencies. Until you provide proper validation, I dispute this debt and request that all collection activity cease and that this account not be reported to XXXX, XXXX, or XXXX. If you can not provide this documentation, I request that the account be removed from my credit reports. All future communication regarding this matter should be in writing. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had identity theft in XXXX and its not fair that I cant fix my credit or anything to open a new account and try to get forgiveness

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 2026-03-17 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My mother passed away on XX/XX/XXXX. I was on the joint deed with right of survivorship. I've been paying the mortgage each month. In XXXX the credit union 's mortgage associate that I spoke with said I could not get statement information. I continued to ask each month when I made the payment. Finally, on XX/XX/XXXX, I spoke with an associate at the credit union that got the process going after wasting XXXX month. I received a request for the death certificate and deed which had already been provided in XXXX, but I uploaded it as requested. I never heard anything else. I went to a branch on XX/XX/XXXX to make a payment and went through my story with that associate. She followed up with the main office about the status. They requested the documents that I had already sent. I sent them again. On XX/XX/XXXX I emailed her asking if she could get an update again. She hadn't heard anything, but would check again. On XX/XX/XXXX, she emailed saying that she received a letter requesting more documents, that consisted of the " Deed where the borrower obtained interest in the property ''. I told her that would have been in XXXX when the house was built and wouldn't the credit union already have that from when they created this mortgage. We found the document and submitted it. On XX/XX/XXXX, I asked again for an update. She would check. I still haven't heard anything as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mitsubishi Motors North America, Inc.
State: MS

Complaint narrative:
Subject : Complaint Regarding Misleading Approval and Credit Inquiry To Whom It May Concern, I am submitting this complaint regarding my recent experience with XXXX XXXX XXXX and the financing process presented to me. I completed a financing application with your dealership after being told that I was approved. Based on this representation, I allowed my credit to be checked and proceeded under the belief that legitimate financing approval had been obtained or was reasonably likely. However, after my credit report was pulled, which resulted in a negative impact to my credit score, I was later told that the approval was essentially used only to get customers into the dealership. This statement raises serious concerns about whether the pre-approval claim was misleading or used as a sales tactic rather than an actual conditional approval from a lender. Consumers rely on statements such as " approved when deciding whether to allow a hard credit inquiry. Representing financing approval in this way, if it was not legitimate, may constitute deceptive or misleading business practices. I am requesting the following : 1. A written explanation of the basis for the approval claim made to me. 2. Identification of the lender ( s ) to whom my credit information was submitted. 3. Confirmation of how many credit inquiries were made and by whom. 4. Any documentation related to the financing decision or pre-approval determination. I attend to use this information in court as you will be hearing from our lawyers. Please treat this as a formal request for clarification. If this matter can not be satisfactorily addressed, I am prepared to submit complaints to relevant consumer protection agencies including the Federal Trade Commission and the Consumer Financial Protection Bureau. I would appreciate a written response within a reasonable timeframe.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
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 XXXX 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 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