vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Complaint - American Express Contradictory Bonus Terms and Failure to Award Dear CFPB, I am filing this complaint against American Express ( Amex ) for deceptive practices and failing to credit my account with the welcome bonus I rightfully earned. * * XXXX XXXX : * * On XX/XX/year>, I applied for an Amex card after seeing a clear offer on Amex 's official website : spend {$8000.00} to earn XXXX points. I relied on this explicit offer and met this spending requirement. After approval, the terms in my account were changed to a {$12000.00} spending requirement for the same bonus. I have also already met this higher threshold. The most critical issue is this : Amex now claims my card is a " standard card '' with no bonus. This is a fundamental contradiction. A genuine " standard card '' page would not display any specific spending thresholds like " {$8000.00} '' or " {$12000.00} '' in exchange for points. The very existence of these numbers on the application page proves that a bonus offer was made, and I acted on it. * * My Case : * * - * * Deceptive Inducement : * * The " {$8000.00} for XXXX points '' offer was presented to me and I acted on it. - * * Unilateral Change : * * Amex unilaterally altered the terms to " {$12000.00} '' after my application was approved. - * * Full Performance : * * I have met both the original and the revised spending requirements. - * * Contradictory Denial : * * Denying the bonus by calling it a " standard card '' directly contradicts the bonus terms they initially showed me. I demand that Amex honors the original offer and credits my account with the XXXX points. Attached is one of my monthly statements showing {$4600.00} in spending for a single month. My total spending over XXXX months exceeded {$12000.00}. '' Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
I received a collection notice from Weltsman, Weinberg & Reis Co., LPA seeking to collect approximately {$24000.00} related to an auto loan account. The firm identifies itself as a debt collector and is attempting to collect this amount. However, I have not been provided documentation establishing whether the firm owns the debt, purchased the debt, was assigned the debt, or is acting solely as a third-party collector on behalf of another entity. I have also not been provided documentation supporting the calculation of the balance being claimed, including principal, interest, fees, late charges, and other additions. The original creditor previously informed me that the account had been charged off. Because of this, I am seeking clarification regarding the ownership status of the debt, the authority of the collection firm to collect the debt, and the basis for the amount being claimed. I am filing this complaint because I am seeking documentation sufficient to validate the debt, establish the firm 's authority to collect it, identify the current owner of the debt, and explain how the amount being collected was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I have talked with this company. They sent a check saying that it was a credit owed to me. I have no clue why they think this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Yesterday we sent you a complaint about the foreclosure on our home The case is still opened. Today I received this statement from Newredz and a letter from them as well Please be advised that XXXX XXXX XXXX are mentioned in the foreclosure same date opened that XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Newredz is behaving as if we have not been served with foreclosure papers back in XX/XX/XXXX. XXXX XXXX XXXX refused contact or investigate all the complaints of complete fraud and again acting like we signed anything with them. Legally they have no idea how many laws and lies. How much money they have taken from us because they hid their own past history of XXXX years of corruption. Dont they not know we are in foreclosure because they were taking money from us until we found out after being lied and disconnected by phone for XXXX years. .

Company response to consumer: Untimely response
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — USDA 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: FL

Complaint narrative:
I am requesting a Forbearance due to involuntary unemployment. This is my previous complaint : XXXX I was approved for a XXXX in XXXX of 2025. The payments were completed between XX/XX/year>, and XX/XX/year>, and XX/XX/year>. The servicer failed to grant the final MOD due to me not completing the XXXX payments, or did not accept the XXXX or a Title issue. I applied for the XXXX in XXXX of 2025. While this was being reviewed, the Servicer continued to add late fees, inspection fees, and Attorney Fees to the accounting ledger. As of XX/XX/year>, I became involuntarily unemployed and am seeking a forbearance that would avert me from losing my home. During that time, I continued to seek employment. The XXXX, which was offered and then denied, is no longer a viable solution due to my unemployment.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Newrez represented to me that my mortgage loan would be serviced on a true biweekly basis. Based on that representation, I authorized recurring biweekly drafts of {$1300.00}, along which include an additional XXXX toward principal resulting in {$500.00} towards principal a month. The total biweekly payments should be and have been {$1600.00}. My regular monthly mortgage payment is {$2700.00}. However, my payment history appears to show that these biweekly drafts are being held as unapplied funds and then posted as XXXX monthly payment, rather than being applied biweekly as received. My additional {$500.00} principal payments also appear to be delayed or routed through unapplied status before later posting. This is inconsistent with what I was told when I set up the account. My loan began at approximately {$410000.00}, and the current principal balance shown on the account is approximately {$400000.00}. Because I specifically chose this payment structure in reliance on Newrezs representation that it would operate as true biweekly servicing, I am concerned that my loan balance, interest accrual, and payment application history XXXX be inaccurate. I have now received XXXX separate delay or acknowledgment letters from Newrez over a period of more than XXXX months without receiving a substantive written response to the core issue. I am requesting : XXXX. A full written determination of whether my loan was actually set up and serviced on a true biweekly basis as represented XXXX. A complete explanation of how each {$1300.00} biweekly draft and each {$250.00} principal payment was applied XXXX. Copies of all documents, notes, call records, account instructions, and internal records relied upon in your determination XXXX. Confirmation of whether my payments were held as unapplied funds and only posted monthly XXXX. Any account correction, interest adjustment, principal adjustment, or other remediation necessary to make the account accurate and to place me in the position I would have been in had the loan been serviced as represented Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: AL

Complaint narrative:
I was scammed by Remitly they allowed another company from XXXX scam me I did a complaint then u did a dispute with my Bank then my bank allowed them to win this case and scam me. So Im writing yall in hopes to getting this dissolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
" I am filing a complaint against XXXX XXXX for a wrongfully closed billing dispute and systemic data errors. One year ago, I sent an international remittance for {$97.00} via Remitly. The transfer failed. XXXX XXXX claims I received a {$120.00} refund, while Remitly claims they issued an {$83.00} refund. However, my official statement history for the last 12 months proves neither amount ever posted to my available balance, and Remitly never provided a final confirmation receipt. XXXX XXXX 's dispute department closed my case by misinterpreting internal automated adjustment codes as completed customer credits. I am facing a direct financial loss due to a bank data glitch. I demand an executive audit of my statement balance to locate the missing funds and credit my account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
Company to name : Security Credit Services , LLC " Security Credit Services , LLC is attempting to collect an unverified balance of {$620.00} originating from a XXXX XXXX agreement. I formally disputed this debt via their digital portal ( XXXX ), pointing out that under the lease terms, phone service is strictly disconnected for non-payment. My phone service was never interrupted or shut off, meaning all regular payments were completed. In response, the agency merely sent a copy of the original 2023 contract to prove an account existed, but completely failed to provide a detailed, itemized accounting ledger proving a balance is actually owed. They have closed my dispute and declared the debt 'valid ' without actually validating the financial ledger. I request that they completely cease collection efforts and refrain from reporting this unverified, inaccurate debt to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
In 2011, after fulfilling the requirements needed to become eligible to receive the teacher forgiveness XXXX of XXXX, I applied for it. According to my official federal loan records, the original amount I borrowed before consolidation was {$23000.00}. My current loan balance is about {$21000.00}. My loan servicer claims that I already received {$17000.00} in XXXX XXXX XXXX from a previous servicer that is now out of business. However, my federal loan summary from StudentAid.gov does not show any XXXX XXXX XXXX being applied to my account. If {$17000.00} in forgiveness had been applied, my current balance should be much lower. I am requesting an investigation into this discrepancy, as I believe I have not received Teacher Loan Forgiveness and should be eligible for consideration I reapplied for the teacher forgiveness loan/grant again because you can clearly see that the XXXX was never applied to my loan balance, and they denied me, stating that I all ready recieved the loan and was not applied by a servicer whom now is out of business, and no records can be found. Here is a copy of the original loan Loan Type Original Amount Disbursed XXXX XXXX Subsidized ( all original loans ) {$5500.00} + {$2000.00} + {$3500.00} + {$1700.00} = {$12000.00} XXXX XXXX Unsubsidized ( all original loans ) {$4100.00} + {$1000.00} + {$4000.00} + {$1500.00} = {$10000.00} Total Amount Borrowed Before Consolidation : {$12000.00} ( Subsidized ) + {$10000.00} ( Unsubsidized ) = {$23000.00}

Company response to consumer: Untimely response
Consumer complaint received 2026-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
I was not fully aware of the terms, what this would be applied for and not in any way in the mental capacity to sign a contract at the time. It seemed predatory and led to a XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I borrowed XXXX and payment plan was for XXXX and I have done XXXX payments of dose with mean I have payed XXXX that almost double than what borrowed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against Spring Oaks Capital LLC regarding a collection account appearing on my XXXX XXXX XXXX XXXX credit reports in the amount of {$670.00}, allegedly originating from XXXX XXXX XXXX. Violations and Issues : 1. UNVERIFIED DEBT : I have no knowledge of this alleged debt or the original creditor listed as XXXX XXXX XXXX XXXX ' I sent a formal Debt Validation Letter to Spring Oaks Capital LLC via USPS Certified Mail on or around XX/XX/year>, pursuant to my rights under FDCPA 15 U.S.C. 1692g, demanding full validation of this alleged debt. XXXX XXXX has not provided adequate validation. 2. CONTINUED REPORTING WITHOUT VALIDATION : Despite being required to cease all collection activity including credit reporting until this debt is validated, Spring Oaks Capital continues to report this account to all three major credit bureaus. This is a direct violation of the FDCPA 15 U.S.C. 1692g ( b ) and FCRA 1681s-2 ( b ). 3. ALREADY MARKED AS DISPUTED : XXXX XXXX credit report already shows this account flagged as 'Account information disputed by consumer ( FCRA ). ' Despite this existing dispute notation, Spring Oaks Capital has continued to report this account without completing a proper investigation or providing validation, in violation of the FCRA. 4. INABILITY TO VALIDATE : Spring Oaks Capital is a debt buyer. As a purchaser of charged-off debt portfolios, they frequently lack the original documentation including signed agreements, complete payment histories, and chain of title necessary to legally verify debts under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
I am writing to file a complaint against Stuart Lippman and Associates regarding their collection activity on an account originating with XXXX XXXX XXXX XXXX XXXX, XXXX ( Account Ref. XXXX, XXXX XXXX. XXXX ). On XX/XX/year>, a representative named XXXX XXXX called me from ( XXXX ) XXXX. During that call, I told him all future communications must be in writing only with no further phone calls. He honored that and sent a letter dated XX/XX/year>, which I received XX/XX/year>. That letter states I owe {$24000.00}. However, I have a written letter from XXXX dated XX/XX/year> showing the alleged balance as {$19000.00}. That is a difference of {$4800.00}, with no explanation provided for where the additional amount comes from. I consider this a material misrepresentation of the amount owed. Before receiving their letter, I made a good-faith effort to send a written dispute to the address XXXX XXXX gave XXXX by phone. That mailing was returned by USPS on XX/XX/year> as " Addressee Unknown. '' The address he provided was incorrect. I have USPS tracking documentation confirming this. The Stuart Lippman letter refers to this as a debt owed by " my company. '' This is inaccurate. The original agreement was signed by me personally. The account appears on my personal XXXX credit report under my name as an individual, classified as a Secured Loan with Individual responsibility. Describing it as a company debt is misleading. I sent a formal written dispute and validation request to Stuart Lippman via certified mail on XX/XX/year>. As of this filing, I have not received any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
I am submitting this complaint regarding a disputed collection account reported by Synergetic Communication for an alleged {$3200.00} balance from XXXX XXXX. This debt has been disputed since before collection placement. I previously disputed the alleged balance directly with the original creditor and later disputed it directly with Synergetic. I also disputed the account with the credit reporting agencies. On XX/XX/year>, I sent Synergetic a written dispute and request for validation. I requested a complete itemization of charges and credits, security deposit accounting, proof of mailing or delivery of any move-out statement, lease documents relied upon, invoices or receipts supporting claimed damages, and documentation showing how the reported {$3200.00} balance was calculated. On XX/XX/year>, Synergetic responded that it had requested additional documentation from the original creditor and would follow up once received. On XX/XX/year>, Synergetic provided photographs received from the client but stated that it was still awaiting further documentation. The photographs do not establish the reported balance, do not provide a complete itemization, do not show security deposit and interest accounting, and do not show proof that a move-out statement was timely mailed or delivered. I provided supplemental documentation showing that the underlying lease/security deposit dispute existed before collection placement and that I disputed continued liability. The account remains disputed, and I have not received complete validation supporting the amount being reported. I am requesting that the company investigate this account, provide complete validation and accounting, correct or delete any inaccurate reporting, and ensure the account is reported as disputed while the investigation remains pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase and applied for a new store credit card on XX/XX/year>. The new Statement arrived, and I decided to pay the full balance : {$83.00}. I mailed the letter with a check the next day it arrived. When the 2nd statement arrived, it said I made a late payment and that my balance increased to {$27.00}, plus a {$2.00} fee. I called like 2 times asking for a one-time exception that I mailed the check promptly, and I was granted it 2 times. In a few days. I called 2 times because after the first call, I received an email stating that I still owed {$31.00}. I called a third time; same thing : the representative granted a one-time exception. And requested to pay {$2.00} by phone, which I agreed to and paid. Later, I received a third statement, and I have a balance of {$31.00} ( {$27.00} late charge + {$2.00} fee ) again. I called them again ; a representative said I still need to pay off the account, and no one-time exception was granted.

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 2026-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Against : Synchrony Bank XXXX JCPenney Credit Card I am submitting this complaint regarding the closure of my JCPenney credit card account ( # XXXX ), issued by Synchrony Bank. I have been a JCPenney credit card holder since XXXX and have maintained my account in good standing for over 20 years. While temporarily outside the United States, I updated my mailing address to a family member 's address due to issues receiving mail through the U.S. Postal Service. On XX/XX/XXXX, I contacted customer service to confirm my account balance and was unexpectedly informed that my account had been closed. The representative stated that the account was closed due to a high credit balance of {$1200.00}. Although surprised by this explanation, I immediately paid the balance in full that same day. After reviewing my records, I discovered conflicting communications from Synchrony Bank. I received correspondence indicating my credit limit had been increased from {$7800.00} to {$8000.00}, yet I also received a notice dated XX/XX/XXXX, stating that my account had been closed. These communications appear inconsistent and have left me without a clear explanation for the closure. I sent a written complaint via Certified Mail requesting clarification and reconsideration of the closure of my account. I received the signed receipt confirming delivery on XX/XX/XXXX ; however, to date, I have not received any correspondence, response, or communication regarding my certified letter. As a loyal customer since XXXX with a positive payment history, I am disappointed by the lack of communication and the unexplained closure of my account. I am requesting that Synchrony Bank : 1. Provide a written explanation for the closure of my account. 2. Confirm whether any negative information has been reported to the credit bureaus regarding this account. 3. Correct any inaccurate credit reporting. 4. Review my account for possible reinstatement based on my long-standing relationship and positive payment history. 5. Respond to my certified written complaint. I have attached supporting documentation, including proof of payment, account correspondence, and proof of delivery of my certified letter. Thank you for your assistance in resolving this matter. XXXX XXXX XXXX XXXX XXXX XXXX Since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation