vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Earlier in the year I became sick to the point that I was unable to work. I have had XXXX XXXX, have spent about a month in the hospital combining the dates that I had been admitted plus several months at home in pain and recovering. I was not able to keep up with my mortgage payments. I spoke with SP Servicing multiple times attempting to get approval for a loan modification due to my health hardship to get my loan current, lower my interest rate of 7.75 %, extend the term of the loan thus lowering my monthly payment without success. 
I have communicated to SP Servicing the great news that I have been recovering from my illnesses and that I now have a good job that will enable me to make my mortgage payments without any issues. THAT NOW i just need help with the past due balance on my account to be able to keep it paid current. But they have dismissed all of my requests notifying me of their decisions of denial with a very short time period left to a foreclosure date that they set. 

In addition, they have added many large fees to my balance making it even harder to come up with the lump sum to catch up my payments. On the notices they have issued denying all kinds of assistance and relief the straight out stated that they did not even review my applications. 

I need help reaching the right person that has the will and ability to help me set my mortgage account straight and to put an end to the foreclosure nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I am reporting a billing dispute handling issue. I disputed a {$250.00} charge, and the credit card company issued a provisional credit. In XXXX, my account balance decreased by {$250.00}, which indicated at the time that the provisional credit had been reversed and the dispute resolved. Because the matter appeared settled, I did not retain a screenshot of that balance change. 

The bank has since provided inconsistent explanations regarding this {$250.00}. I was told that the funds were held in XXXX and later released, and I was also told that the {$250.00} was not deducted until XX/XX/XXXX. I was further advised that the transaction would appear on my XXXX statement with a closing date of XX/XX/XXXX. None of these explanations align with my account records. 

There is no transaction, ledger entry, or statement activity in XXXX or XXXX reflecting a {$250.00} deduction. Additionally, the transaction history no longer reflects the XXXX balance change I observed, and all dispute-related entries now appear grouped under XXXX, which does not reflect real-time balance activity. 

Despite repeated requests, the bank has been unable to identify when the balance change actually occurred or provide a complete ledger-level accounting of when the {$250.00} was credited, held, released, or reversed. I have also requested supervisor review and written clarification, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IA

Complaint narrative:
updated information i got for the previous dispute i need discover to refund my charges for fraud because they messed up my credit score and i need the my card fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX after I received my ssi deposit XXXX atm transactions were done totally XXXX. I reported them filed police report and at first they were denied so I had them reopened. After that I called to check on status and no change nor would they credit my account instead they sent me a email telling they were closing my account and no one could give me a reason why. So now I cant check on my disputes and I know they are not going to give me my money back. XXXX XXXX and I receive only XXXX. A month and XXXX was taken and it seems like chime is not going to make good on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: FirstCash, Inc.
State: TX

Complaint narrative:
I had multiple items pawned at the store, including an XXXX, scooter, and XXXX. There has been repeated miscommunication, conflicting information, and misapplication of payments by the store and operations staff. 
The XXXX official due date was XX/XX/year>. I made a payment on XX/XX/year>. The operations representative falsely claimed I was late or owed extra, which is incorrect. 
The scooter was originally due on XX/XX/year> ( XXXX ). The store manager and employees confirmed I was given an extra day because the store was closed for the holiday. However, an operations representative later lied and claimed nothing was due on XXXX and gave conflicting information about due dates and grace periods. 
Misapplied payments caused further confusion. Payments were sometimes applied to the wrong item, causing items to be at risk of forfeiture unnecessarily. For example, payments intended for the XXXX were misapplied to the XXXX or scooter. 
Multiple representatives, including store staff and operations, provided contradictory information. Calls were cut short, I was rushed off the phone, and I received no clear resolution. 

I attempted to follow proper procedures, made all payments I could, and communicated promptly, yet my items were at risk due to errors on the companys part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Had a chime account and used for everyday spending then all of a sudden I was negative XXXX or so then chime just closed my account I don't know why or how it gotten negative but it did now no longer have chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX : XXXX ), established in XX/XX/year>, is an operating business seeking access to credit for legitimate commercial purposes, including growth, cash-flow management, and responsible XXXX XXXXXXXX. 

I applied for a business credit card with Truist Bank in good faith. Following the application, Truist Bank mailed a document represented as an adverse action notice. The document received was entirely blank, containing no reasons for the decision and no required disclosures. 

Under 15 U.S.C. 1691 ( d ) and Regulation B ( 12 C.F.R. 1002.9 ), a creditor must act with transparency and fairness when taking adverse action. Because no compliant notice was issued, no lawful denial occurred, and the application remains procedurally unresolved. 

XXXX requires that like applicants be treated alike, that decisions be transparent, and that businesses be given a fair opportunity to respond to underwriting considerations. Mailing a blank notice deprives an applicant of that equity and prevents a complete and lawful credit determination. 

This request is made in good faith and stewardship, consistent with long-standing principles of fairness and accountability. As written in XXXX XXXX, A false balance is an abomination to the XXXX : but a just weight is His delight. A credit decision rendered without disclosure or explanation is not a just balance. 

Likewise, XXXX XXXX teaches that faithfulness in small matters reflects trustworthiness in greater ones. XXXX XXXX XXXX seeks to demonstrate that faithfulness through transparent underwriting and a substantive review based on actual ability to repay. 

Requested Resolution I respectfully request corrective action in the form of : Withdrawal of the defective adverse action Manual underwriting review of the application Approval of the application with an unsecured business credit line consistent with Truist Banks standard approval limits, based on demonstrated ability to repay, business equity, and legitimate commercial purpose This complaint is submitted to obtain a fair, equitable, and approval-focused resolution, not merely an explanation. The goal is a lawful outcome that reflects both regulatory compliance and the principles of fairness upon which commercial credit is intended to operate.

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 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
This complaint is a follow-up and escalation to my prior CFPB complaint ID # XXXX. 

XXXX  XXXX has continued to refuse written communication and has not provided a written breakdown of any alleged balance, fees, or interest despite my request. Instead of responding in writing, they ceased calling while continuing adverse action. 

XXXX  XXXX has reported inaccurate and inconsistent delinquency information to the credit bureaus. The account is reported with a first delinquency date of XX/XX/XXXX, while also listing my last payment as XX/XX/XXXX, which is contradictory. Credit reporting appears to have occurred around XX/XX/XXXX, while the account was actively disputed. 

This account involves a vehicle that was totaled shortly after origination and paid off completely through insurance and XXXX coverage. No interest or late fees should have accrued after the total loss, yet XXXX  XXXX has failed to substantiate the amounts reported. 

By continuing to report disputed and inaccurate information while refusing to provide written validation, XXXX XXXXXXXX is violating its obligations under the Fair Credit Reporting Act and engaging in unfair servicing practices. 

I request that the CFPB require XXXX  XXXX to correct or delete inaccurate credit reporting, provide a written breakdown of all alleged charges, and cease reporting unverifiable information.

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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
As of XX/XX/XXXX my cash app account will be closed to due violations of their terms mind you I have XXXX business accounts with cash app I have money being sent from customers purchases I have filed XXXX appeals with cash app and both times they have came back with the same reply saying i violated their terms they have yet to give me a answer to what terms were violated I have had my account with cash app since XXXX and for them to close both my business accounts without any formal reasoning needs to be investigated this issue has caused my business a significant loss I am asking that I have a valid reason or proof to why my account was closed..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XXXX XXXX is a liar She never responded to emails and yet said she never got in touch with me! What a waste of a paycheck! And stop sending me promotional mail if I can't open new accounts, XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: FL

Complaint narrative:
I am submitting a complaint regarding improper loan servicing and unauthorized auto-debit withdrawals by Sallie Mae XXXX 

I graduated in XXXX  and was paying interest-only payments of {$50.00} per loan while in school. When my grace period ended, Sallie Mae withdrew four separate payments from my bank account on XX/XX/XXXX, totaling nearly {$2500.00}, without advance notice, billing statement, or opportunity to review or adjust the payment amounts. 

The four withdrawals occurred on the same day and were in the following approximate amounts : {$240.00} {$200.00} {$840.00} {$1100.00} These withdrawals nearly overdrew my bank account and caused immediate financial hardship, directly impacting my ability to pay rent and essential living expenses. 

I did not receive any clear or timely notice that : My payment amounts would change so significantly Multiple payments would be withdrawn on the same day Sallie Mae would base my payment amounts on an assumed or average salary for my career field rather than my actual income Although I was enrolled in auto-debit, I did not authorize sudden, multiple same-day withdrawals of this magnitude without advance notice. Auto-debit authorization should not override basic servicing obligations, including reasonable notice and the opportunity to plan for payment changes. 

I contacted Sallie Mae the next business day to ask why this occurred and requested a refund. I was told theres nothing they could do, and instead they offered to suspend payments for six months, after which I would have to readdress payment amounts. No refund or credit was offered despite the hardship caused. 

I am sending a written dispute letter to Sallie Mae via certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX someone got into my CASH APP account and took my money XX/XX/year> {$380.00} I filed a report with cash app,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account. This letter is not an acknowledgment of liability, but a request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation to verify this debt : 1. The amount of the alleged debt, including an itemized breakdown 2. The name and address of the original creditor 3. A copy of the original contract or agreement bearing my signature 4. Proof that you are licensed and authorized to collect this debt in my state 5. Proof that the debt is legally enforceable and within the statute of limitations Until you provide the requested validation, you must cease all collection activity, including reporting or continuing to report this account to any credit reporting agency. 

If this debt has been reported to a credit bureau and you can not validate it, I request that it be removed immediately. 

Please respond in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I have been trying to get lien release on HELOC loan since XXXX this year. Earlier this month I was told good news that lien release on HELOC was approved. I sent all the documents within 1 to 2 days when requested. This morning the Shellpoint representative on phone told me that lien release was cancelled but unable to tell me anything else. This is very upsetting as everything in my life is on hold for this lien release. My credit score tanked to lowest it's been as I got into more debt as I can not obtain financing with lien release not being done.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I'm a small business owner, and I recently moved my LLC from Texas to Florida. 

I had XXXX credit cards with American Express for my business while in Texas, and I'm currently going through the whole process of moving all my accounts to my new LLC/EIN in Florida. 

I applied for a checking account and a new credit card using the EIN for the new business entity in Florida. However, American Express ignored the new EIN and all corresponding legal documentation and unilaterally assigned ownership of the accounts to the EIN belonging to my old business entity in Texas. I can confirm that I manually entered all information and did not autofill and information from my old business entity. 

I called American Express to correct this and they said that they can not correct the error, even though it's due to an error/limitation with their system. I was told that I must reapply by creating an entirely new American Express account and closing the financial products/services associated with the old EIN. This is not clearly stated or outlined anywhere on the application page ( s ). 

The bank 's refusal to correct this error creates significant tax reporting risks ( IRS mismatch ) and prevents me from maintaining accurate corporate formalities between XXXX distinct legal entities. I am being told I must 're-apply ' and take additional credit inquiries to fix an error the bank made during the onboarding process. This is a massive issue, as it is not uncommon for businesses to move across state lines. There could potentially be a large number of small business owners that are put at risk because of this systemic issue. 

It also puts me ( and others affected ) into a difficult position, as every application and re-application affects credit reporting. 

I truly do love American Express and I am fighting every temptation to take my business elsewhere. This complaint is intended to be XXXX final opportunity for me to properly work with American Express rather than completely move on to a different financial institution. I genuinely hope that this issue can be corrected so that I may continue growing my business as an AmEx member.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This letter constitutes a FINAL PRE-LITIGATION DEMAND regarding overdraft fees unlawfully assessed on my Wells Fargo account ending in XXXX. This correspondence places Wells Fargo on formal notice of its violations and provides one final opportunity to resolve this matter before legal action is initiated. 

Wells Fargo issued a written notice expressly stating that I had until XXXX PM on the applicable date ( XX/XX/year> ) to bring my account current in order to avoid overdraft fees. I relied on this representation and made my account current prior to the stated deadline. Notwithstanding my full compliance, Wells Fargo assessed overdraft fees to my account on XX/XX/year>. 

After discovering these improper charges, I contacted Wells Fargos Customer Advocate Team and requested an investigation. Wells Fargo refused to investigate, summarily stating that the fees would not be reversed. This refusal to investigate a disputed charge, particularly where written notice and documented compliance exist, is unacceptable and further evidences unlawful conduct. Assessing overdraft fees after a consumer has complied with the express terms of a written notice, followed by a refusal to investigate or correct the error, constitutes unfair, deceptive, and misleading practices. Such conduct may violate federal and state consumer protection laws, banking regulations, and Wells Fargos own published policies.

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 2025-12-31 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: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Rushmore Servicing has initiated foreclosure activity on my account but failed to provide the legally required 'Notice of Right to Cure ' to my current mailing address.

Rushmore knowingly mailed sensitive legal notices, including the Right to Cure default notice, to the vacant collateral address ( a rental property in XXXX, XXXX  ) rather than my registered billing address in XXXX, XXXX. Rushmore has my correct billing address on file and sends monthly statements there, yet failed to use it for this critical legal notice. 

This failure to provide proper notice has deprived me of my contractual right to cure the default within the statutory timeline. Furthermore, I have submitted a complete Mortgage Assistance Application which is currently pending review. Initiating or continuing foreclosure activity while this application is pending constitutes 'Dual Tracking, ' a violation of Regulation X.

I am requesting an immediate halt to all foreclosure activity due to defective service and improper notice.

Company response to consumer: Closed with explanation