vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This complaint relates to a business-purpose mortgage loan serviced by Shellpoint Mortgage Servicing XXXX On XX/XX/year>, I submitted a complete loan modification / hardship package, which was delivered and confirmed via XXXX tracking. Since that time, the servicer has failed to properly process my application. There has been no clear acknowledgment of receipt, no confirmation of review status, and no defined timeline provided. Instead, I have experienced repeated and ongoing inconsistencies in communication, including : Im Being transferred multiple times between departments with no single point of contact Im Being told by one representative that my application was denied, and then immediately transferred to another department for modification review Im Being told that no additional documents were required, followed by requests to resubmit documentation XXXX Being directed to different representatives without clear ownership of my file A representative named XXXX specifically confirmed that no additional documents were needed and that my file would be handled by a loss mitigation contact. However, no proper follow-through or confirmation of review has occurred. This pattern reflects a breakdown in internal handling and routing of my application. As a result of these delays and inconsistencies, foreclosure-related activity and fees continue to accrue while my application has not been properly reviewed. I am requesting the following : I want Immediate confirmation that my complete application has been received and is under active review I want an Assignment of a single point of contact responsible for my file I want Immediate review of my loss mitigation application I want Suspension of foreclosure activity while my application is being reviewed I want A clear written timeline for decision This situation reflects ongoing delay, miscommunication, and failure to properly process a submitted loss mitigation application, which places me at increased risk of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX. I have sent written requests to be removed from the Regional Acceptance Corp $ XXXXThey have received that certified letter. I have already filed with the FTC as well, and I have yet to hear from them, and my credit is still being affected.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
on XX/XX/XXXX I closed my NFCU accounts after being order to by judge XXXX. NFCU reopened my account on XX/XX/XXXX to accept my XXXX without my permission! and on XX/XX/XXXX when I discovered what they did I asked them to close it and send it back to social security because I had my new account on file where my fund would be routed to. they refused to do so. They held on to my funds until XX/XX/XXXX court hearing hearing then it mailed out to me via XXXX. So at this point both XXXX and XXXX checks has been returned finally. But I am still seeking damages. because you can not play catch up on bills on a fix income when companies change late fees and interest! Not to mention the physical and emotional distress including an XXXX XXXX, and lost time with my father during his final moments that I will never get back because of their malice behavior. This was out right theft and someone needs to go to prison!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from the Department of Education informing me that the loans I received while attending XXXX XXXX qualify for Borrowers Defense and are eligible for full discharge and refund. Nothing happened for a whole year. Then on XX/XX/XXXX I received notice that the discharge would finally be applied to my student loans. In XXXX of XXXX I also was approved to buy back months remaining in repayment of the University XXXX XXXX loans, bringing me to XXXX and qualifying for a {$0.00} balance that is now reflected on my studentaid.gov website. In the same location there is a PSLF refund amount listed for over payment. I have called both Mohela and Fed Loan Services multiple times, and they keep sending me back and forth to one another. Mohela at one point mentioned the US Treasury and when I called them I was not even on a list ( for borrowers defense ). Finally I reached out to Ombudsman and the CEO of Mohela to ask for more information about all of this, to which I received a reply from Ombudsman that I would be notified via Mohela inbox of their findings in 10 days. This was 20 days ago now and still no information. I've filed feedback with Fed Loan Servicing on more than one occasion, but they keep closing my cases saying that it was similar to previous cases I've filed, however those cases are closed so no information has been shared. I want to know what I need to do to process both my PSLF refund and the borrowers defense refund for XXXX 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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate information appearing on my credit report regarding the above-referenced account. This account is reported as a repossession with a deficiency balance of {$18000.00}. However, this reporting is factually incorrect and unverifiable under the Fair Credit Reporting Act ( FCRA ). Following the repossession in XXXX, the creditor failed to provide the mandatory Notice of Sale as required by Ohio Revised Code 1317.16 and 1317.12. Because the creditor failed to strictly adhere to state notice requirements, they are legally barred from seeking a deficiency judgment under Ohio law. Consequently, the reported balance of {$18000.00} is not a legally enforceable debt and represents a significant reporting error. I request that you immediately investigate this matter and verify the existence of the legally required pre-sale notifications. If the creditor can not provide proof of compliance with XXXX statutory notice requirements, I request that this item be removed from my credit report in its entirety. Please provide the results of your investigation within 30 days of receipt of this letter, as mandated by the FCRA. XXXX XXXX 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
Consumer complaint received 2026-03-31 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: ALCAR INC.
State: OH

Complaint narrative:
I STARTED TO FILL OUT LOAN APP. BUT STOPPED BEFORE I SIGNED DOCUMENTS THEY THEN I BELEIVE FORGED MY SIGNATURE AND SAID I TOOK OUT LOAN BUT I DID NOT AND NEVER RECEIVED ANY MONEY FROM THEM

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: MO

Complaint narrative:
I am submitting this complaint regarding improper debt collection activity for a medical bill that I do not owe. A debt collector, ARSTRAT, is attempting to collect {$410.00} on behalf of XXXX XXXX XXXX XXXX for XXXX XXXX related to a work injury. These services were covered under a Missouri workers compensation claim administered by XXXX XXXX. Under Missouri workers compensation law, I am not personally responsible for payment of authorized medical treatment related to a work injury. On XX/XX/year>, I received an initial collection letter from ARSTRAT. On XX/XX/year>, I sent a written dispute via certified mail ( receipt retained ), disputing the debt in full, explaining that it was covered under workers compensation, and requesting validation of the debt pursuant to the Fair Debt Collection Practices Act. After receiving my dispute, ARSTRAT continued collection activity by sending another letter demanding payment. This letter did not include any validation or documentation establishing that I am personally responsible for the debt. Despite being notified that the debt is related to a workers compensation claim and formally disputed in writing, the collector has continued attempting to collect the debt without providing the required validation. I have retained documentation including the initial collection letter, my written dispute and certified mail receipt, the subsequent collection letter, and correspondence with the workers compensation insurance carrier confirming the claim. I am requesting that the collection agency cease collection efforts, properly investigate the account, and correct their records to reflect that I am not personally responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am having trouble with experian. I can not log in because my account is setup under my old phone number and there is no way to change this. There is never a live agent that answers and when they do they will tell you to call another part of their company. I did that and got another automated system. I have been trying to get this resolved for weeks. Nobody will answer and help you. Its very frustrating when you just need a simple task done. I just want to leave experian at this point.

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 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
On XX/XX/year>, I received an alert on my credit report indicating that a collection account had been reported by Sunrise Credit Services, of which I had no prior knowledge. I was subsequently informed that the company claims to have sent letters, emails, and text message notifications regarding this alleged debt ; however, I have not received any such communications. As a result, I was not provided a fair opportunity to review or dispute the debt before it was reported to the credit bureaus. Additionally, I have not been given sufficient information regarding the original creditor, the amount owed, or any documentation to validate that this debt is mine. I believe this may constitute improper notification and potential inaccurate reporting under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation, proper validation of the debt, and removal of the account from my credit report if it can not be verified as accurate.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
When I had money or loaded money into my accounts someone was taking it and they think I didn't know they were robbing me of my funds they were stealing my XXXX I perchised and stocks I owned they were stealing my dividends and basically robbing me the past fifteen years and I asked them many times to catch the person doing it to me they ignored me and act like nothing was happening they had to of seen who was doing it they ruined my life and I want to file a major suite against them for theft and mental suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
Approximately 3 to 4 weeks ago I received a phone call from Sims XXXX XXXX spoke to a XXXX XXXX phone number XXXX XXXX he explained that I had a banking debt that was to be collected he explained that he could set up a payment plan for 6 months for a decrease in my balance I agreed to that term today I receive a just a reminder letter that stated in 3 days my payment would be due for the amount we discussed but the balance was not adjusted it's still remained the original amount since following this complaint I called the Creditor and told them to put stop payment that this falls under the fair collection Act until I resolved this matter shortly thereafter I get an email with a completely updated payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Formal Dispute Under 15 U.S.C. 1681 Inaccurate Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit file regarding the following account : Creditor : Capital One This account reflects a negative status and closure that I believe is inaccurate and does not fairly represent my payment history or conduct as a consumer. According to my records, I made what I believed to be my final payment on this account in XX/XX/year>. At no point was I made clearly aware of a remaining balance of approximately {$7.00} in interest, nor the subsequent minor accrual of approximately {$0.00}. This residual amount appears to have resulted from trailing interest rather than any missed or late payment. I have maintained a consistent and positive payment history on this account and have never been late. The presence of this minor, undisclosed balance leading to a negative reporting and account closure in XX/XX/year> is both misleading and materially inaccurate. Under my rights pursuant to 15 U.S.C. 1681, I am requesting a full investigation into this matter. Specifically, I request : Verification of the accuracy of the reported information. Documentation showing that I was properly notified of the remaining balance and interest charges. Correction or removal of any inaccurate, incomplete, or misleading information from my credit report. Given the minimal nature of the balance and my otherwise flawless payment history, I respectfully request that this account be removed from my credit report or, at minimum, corrected to reflect a positive payment history without derogatory marks. Please complete your investigation within the timeframe required by law and provide me with written confirmation of the results. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Selling the house. I know I had some covid relief. The lender staters {$50000.00}. As shown in document 1. I know they did not do that much. And document 2 shows down payment assistance {$17000.00} The documents I sighed and how much i recived with covid relief. I want all payments that were in the covid relief and a copy from hud. With what Dovermule recived. Closing is XX/XX/XXXX th. I called Huds office. And Dovermule. And recorded everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Ava Finance, Inc
State: OH

Complaint narrative:
Description of What Happened Company : Ava ( Ava Finance , Inc. ) Issue : Fee-Harvester Violation ( 12 CFR 1026.52 ( a ) ) & Unfair/Abusive Billing ( Account Lockout ) I am filing this complaint because Ava is violating the 25 % fee-harvester cap under 12 CFR 1026.52 ( a ) and engaging in unfair billing practices by charging fees for an account I can not access. 1. Federal Fee Cap Violation : Ava reports this account to credit bureaus as a 'Credit Card ' with a {$270.00} limit. Under federal law, total non-penalty fees in the first year can not exceed {$67.00} ( 25 % of {$270.00} ). The Math : Ava reports a credit limit of {$270.00} to the bureaus but charges a mandatory monthly fee of {$9.00}. This totals {$110.00} per yearwhich is 43 % of the credit limit. This far exceeds the federal 25 % cap ( {$67.00} ) for first-year accounts. The company 's attempt to rebrand this as a 'membership ' is a deceptive workaround, as the fee is required to maintain the credit line. 2. Account Lockout & Abusive Billing : I am currently locked out of my account and have no access to the credit line or my account management tools. Despite this complete lack of service, Ava continues to withdraw {$9.00} monthly from my bank account. Charging fees for a withheld service is an Unfair, Deceptive, or Abusive Act ( UDAAP ). 3. Attempted Resolution : I have attempted to regain access and dispute these fees, but the company has not provided a resolution. I am a student and a manager in the food service industry ; I do not have the time or resources to act as a compliance officer for a company that ignores federal lending laws. Also, Ava will claim the {$9.00} is a " membership fee. '' However, : " The fee is a mandatory condition of the credit line. If I stop paying the 'membership, ' they close the 'credit card. ' Therefore, under Regulation Z, this is a finance charge/fee related to the issuance of credit and must be capped at 25 %. Also the fee was applied in the first place to even access the card. Ava is reporting an 'Open-End Credit Card ' to TransUnion/Experian. They can not claim to be a 'utility/membership ' service while simultaneously reporting to the bureaus as a 'revolving credit line. ' They are misrepresenting the nature of their product to bypass consumer protections. I have been denied access to my account for [ 9+ MONTHS!!! ] while monthly drafts continue. This is an abusive billing practice. I am paying for a 'Credit Builder ' that I can not manage or verify. Also, Ava didnt report two payments for XX/XX/year> & XX/XX/year> as dated in my credit report. These payments are grey and report as unknown. More reason that Ava needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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