vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
To Whom It XXXX Concern, I am disputing the accuracy of the XXXX XXXX XXXXXX/XX/XXXX delinquency XXXX XXXX reported on my mortgage account serviced by * * Mr. CoopeXXXX XXXX XXXX XXXX XXXX 

I began requesting mortgage assistance in XXXX XXXX XXXX XXXX XXXX XXXX, while my loan was still current. From XXXX through early XX/XX/XXXX, I pursued XXXX XXXX multiple loss mitigation options * * and remained in active review, receiving repeated correspondence and requests for documentation. 

During this period, * * forbearance was not offered or discussed * * as an available option. I was advised that certain loss mitigation options were unavailable because the account was * * not yet delinquent * *. 

Forbearance was first presented and approved on * * XX/XX/XXXX * *, with an effective start date of * * XX/XX/XXXX * *. 

I exercised due diligence by seeking assistance months in advance and remained under active loss mitigation review throughout the period in question. I was not told that on XX/XX/XXXX that I needed to ensure that that payment was covered. 

XXXX XX/XX/XXXX as delinquent without reflecting the loss mitigation context is * * incomplete and misleading * *, as it fails to account for the servicers delay in identifying and offering forbearance as the appropriate option. 


Attached is a timeline of loss mitigation correspondence from XXXX XXXX XXXX XXXX XXXX XXXX  supporting this dispute. 

Sincerely, XXXX XXXX Mortgage Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime as let around {$380.00} come out of my account from XXXX of last year all the way up to XXXX XXXX I've asked for refunds on all the charges sent proof in that it wasn't me I didn't even have access to my email in XXXX and they keep denying the refunds, not to mention I just got an email a couple minutes ago someone in XXXX got into my account when I'm in XXXX indiana and I don't give any information out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Company : Shellpoint Mortgage Servicing Product : Mortgage Issue : Escrow / Property Tax Error Sub-issue : Company failed to correct an error after notification We are submitting this complaint regarding Shellpoint Mortgage Servicings failure to fully and promptly correct an admitted escrow error, despite representing that a refund from the city tax office has already been sent to them. 

Shellpoint services our mortgage loan for XXXX XXXX XXXX XXXX, XXXX, WI XXXX. In XX/XX/XXXX, Shellpoint acknowledged in writing that it issued an erroneous property tax payment in the amount of {$2200.00} for a property not financed or escrowed through Shellpoint. This incorrect disbursement was made for XXXX XXXX XXXX XXXX, XXXX, WI, a property unrelated to our loan with Shellpoint. 

In subsequent written communication, Shellpoint stated that the erroneous tax payment has already been refunded from the city. However, despite this representation : - Our escrow balance has not been properly restored - The escrow analysis has not been corrected- Our monthly mortgage payment was increased effective XX/XX/XXXX, based on an escrow shortage that resulted solely from XXXX admitted error Shellpoint has not provided accountability or good will communications demonstrating that the refunded amount was fully credited back to our escrow account and applied to reverse the payment increase due solely to their error. 

We formally notified Shellpoint of this error in writing and by phone in XX/XX/XXXX, and repeatedly sent requests for information and formal Request for Correction under RESPA. While Shellpoint acknowledged the mistake and later stated that a refund occurred, the downstream impacts of the error still remain unresolved. 

As a result, we are on track to be charged an inflated mortgage payment based on an escrow shortage through no fault of ours and should not exist. The fact that they have not corrected this matter or provided any accountability or efforts in order to correct this error within a timely manner is unacceptable. 

We are requesting that Shellpoint provide a complete and transparent escrow accounting showing where and when the refunded funds were credited, as well as correct the escrow analysis to accurately reflect the refunded amount. Our monthly mortgage payment should immediately be restored to the correct amount without delay and any negative impact to us. In addition, they should provide written confirmation that the error has been fully resolved and that no further adverse action will result from this servicing error. 

Shellpoint has acknowledged the error and stated that a refund has occurred, yet has failed to fully correct the escrow balance and payment impact. We are requesting CFPB assistance to ensure timely and accurate resolution.

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 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Center, LLC
State: CT

Complaint narrative:
I had Medical insurance it should have been collected thru them with all the other insurance claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc
State: CA

Complaint narrative:
I do not owe debt to any collection agency i disputed this account because it was a duplicate on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I had four subsidized student loans which were serviced by Nelnet in the total combined amount of {$10000.00},.

With all the litigation regarding the repayment of student loans that has been taking place in the recent past and the various deferment programs I had been signed up for, I was definitely unsure that my particular loans were not still in deferment status, especially as an active duty XXXX ( which I became in XX/XX/year> and reported to Nelnet ). 

I had all along planned to completely repay my loans in full before they began to accrue any interest whatsoever. I surely expected, at the very least, to receive formal notification that the status of my loans had changed in advance of any interest being charged to my student loan account. That did not happen. I was never specifically notified, not by regular mail, not by email, not by text, and not with a phone call, that interest would begin to accrue in XX/XX/year>. In fact, Nelnet had not actually sent any statements for years ( since the pandemic ). 

When I happened to log into my account and noticed that interest was in fact computed on my loan balances since XXXX, I immediately telephoned Nelnet, my loan servicer. I paid my entire balance of XXXX ( {$10000.00} subsidized loans + {$170.00} interest ) and lodged a complaint with them about their lack of communication and transparency and requested that the interest be refunded, under the circumstances. They refused and suggested I contact the Department of Education and said they no longer send notices but that I had to rely on the news. That is why I am reaching out. 

I have never experienced anything like this with my student loans. I was under the impression that the servicer had an obligation to forward statements specifying what money is due and any fees or interest that will be charged, as any other lender or bill servicer does monthly. Prior to the pandemic, Nelnet used to send regular statements by mail ( which in my case which always showed a XXXX payment due because of my student deferment status ). 

I believe that this new " methodology '' caused me an unnecessary and unfair burden in the sum of {$170.00} and I believe I am entitled to a refund. I have sent a written complaint to XXXX XXXX 's office as well. 

I hope you can help me obtain a satisfactory resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: TX

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I sought to pay my card well before any due date, I like to pay it as I go but use the card to get the points. But, I'm also a business owner so my accounts are debited and run right and left. Well, on three occasions my payment was returned because Capital One takes three days to process my payment. Not because I don't have the money or am unwilling to pay my balance, but because they're so slow and my spend happens daily that sometimes my bank balance can drop below the payment amount for literally two hours and decline. I have the money when I initiate the payment and sometimes I have the money right after the processing, but that's the nature of working on commission. What infuriates me is that my payment isn't even past due, I was paying it three weeks EARLY! But because it got returned, Capital One has closed my accounts and encourages me to open new ones. How am I supposed to do that if my credit score tanks as a result of the three accounts they just closed? This is Predatory and Unethical practice, I just want my accounts reopen so I can continue their use, that's all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP
State: AL

Complaint narrative:
I was sued in XXXX XXXX XXXX and was served on XX/XX/XXXX. I filed a response via the Online Debt Resolution for my county ( XXXX XXXX, Alabama ) on the same day, but did not receive any response after 2 weeks ( I believe they are supposed to have XXXX hours to respond with something, but they did nothing ). After that two weeks, some circumstances changed and I was able to pay the debt in full. I called the Attorney 's office that filed the complaint ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. The call was answered by someone in a call center and I paid the amount in full on that date. On XX/XX/XXXX, I received a call from the XXXX XXXX 's office making sure I am aware of my court date on XX/XX/XXXX. I let them know I had already paid the debt in full, and they said they hadn't received anything from the attorney 's office letting them know that, so I needed to call the attorney 's office back to make sure they file it. 

Today, I called the number the attorney listed on the complaint and it forwarded me straight to the call center. They said there was nothing they could do and refused to allow me to speak with anyone else. I had to get off the phone and call back twice before I finally reached a representative who told me he'd " send an email '' to escalate this further. I have emailed multiple times, sent contact requests using the form on their website, etc., with no responses. It seems as if they assumed I would not respond nor show up and they would have a garnishment order issued, but when I am trying to handle it without having to go through the court, they are just ignoring me and refusing to let the Court know that it is paid in full. They are wasting my time and the Judge 's time by making us show up to court for something that has already been resolved due to negligence on their part. 

This was a debt I incurred to pay rent for myself and my daughter while in a toxic marriage where I was the only one employed. My divorce was final in XXXX and I am remarried, and still trying to fix all the broken pieces of my life that my ex-husband left me with. I was served on XX/XX/XXXX at XXXX am and I had filed my response by XXXX XXXX  on the same day -- XXXX minutes later. But this attorney 's office has yet to respond to anything, even things filed through the court system, has taken my payment in full, and is refusing to let the Court know it's paid. 

XXXX XXXX XXXX was the attorney who filed the complaint. The only numbers I can find for XXXX XXXX XXXX XXXX send me directly to the call center, and XXXX XXXX XXXX isn't even one of the XXXX attorneys they have listed on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased products from XXXX XXXX for {$230.00} using my Capital One Venture X card. When I received the products, they were defective. 
On XX/XX/XXXX, I requested a return and refund from XXXX XXXX per their return policy, and I filed a return request the same day. XXXX XXXX acknowledged the products were defective by offering compensation, but instead of honoring their return policy with a refund, they repeatedly refused to provide a refund and only offered store gift cards, which I did not agree to accept. 
Between XXXX XXXX XXXX, I went back and forth with the merchant attempting to obtain a proper refund for the defective products. Each time, they refused a refund and only offered gift cards. The fact that they offered gift cards proves they acknowledged the products were defective, yet they still refused to provide my money back. 
On XX/XX/XXXX, after 4 days of the merchant refusing to provide a refund, I contacted Capital One to dispute this charge under my consumer rights to dispute charges for defective goods. Capital One requested that I submit a formal written dispute letter, which I sent on XX/XX/XXXX. 
Despite providing all requested documentation and following Capital One 's formal dispute process, Capital One denied my dispute anyway. This denial is unjustified because : The merchant admitted the products were defective by offering gift cards as compensation The merchant refused to honor their return policy and provide a refund I should not be forced to accept store credit from a merchant that sold me defective products I have the right under the Fair Credit Billing Act to dispute charges when goods are defective or not as described. Capital One has failed to properly investigate and resolve my legitimate dispute. I am requesting CFPB assistance in having this {$230.00} charge reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
To Whom It May Concern at Shellpoint Mortgage Servicing, I am writing to formally document and escalate a serious and ongoing issue related to my attempt to pay off my mortgage, which has now been unreasonably obstructed for more than XXXX months due to actions and inactions by Newrez LLC, Shellpoints parent company. 

Despite repeated, good-faith efforts on my part to change the name on the property and loan to XXXX XXXX upon my husbands death and obtain accurate payoff information and complete payment in full, Newrez LLC has repeatedly failed to provide the necessary documentation and clarity required to finalize this transaction. This prolonged delay has effectively blocked my legal right to satisfy my mortgage obligation and has resulted in continued and unnecessary accrual of interest. 

I want to be clear : this situation is not the result of inaction on my part. I have been proactive, responsive, and persistent throughout this process. The breakdown has occurred entirely within Newrez/Shellpoints servicing and administrative processes. 

As a result of this delay, I have incurred : Ongoing and avoidable interest charges Attorney fees required to navigate what should have been a routine mortgage payoff Significant emotional distress I am a recent widow, and the length, opacity, and dismissive nature of this process have compounded an already difficult season of loss. While I recognize that mortgage servicing is complex, the extended obstruction I have experienced rises to the level of unreasonable and, in my view, emotionally harmful conduct. 

Accordingly, I am demanding the following : Immediate provision of a correct, final, and executable payoff statement Written confirmation of the steps required ( if any ) to complete payoff within a defined and prompt timeline A review of my account to determine reimbursement for : Attorney fees incurred as a direct result of these delays Interest charges accrued solely due to Newrez/Shellpoints failure to facilitate timely payoff I have already filed a complaint with the Consumer Financial Protection Bureau XXXX If this matter is not resolved promptly and in good faith, I will proceed with the following actions without further notice : Filing a complaint with the XXXX XXXX XXXX ( XXXX  ) Submitting a complaint to the Michigan Attorney Generals Office I prefer to resolve this matter directly and professionally, without regulatory intervention. However, I am fully prepared to pursue all available remedies to protect my rights and recover the financial losses I have incurred. 

Please consider this letter a formal notice and escalation. I expect a substantive written response within ten ( 10 ) business days from receipt of this email. 

Sincerely, 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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
To Whom It May Concern, Account Number : XXXX Last XXXX of XXXX : XXXX Claim Number : XXXX I filed a dispute for XXXX unauthorized ATM transactions totaling {$400.00} on XX/XX/year>, and requested an escalation on XX/XX/year>. I have called the branch almost every day since then. 

I am currently in financial hardship, needing access to my funds to pay rent, buy essentials, and prepare for a storm. 

During my interactions at the branch : The manager refused to provide provisional credit. 
The manager refused to provide a written explanation.

The manager told me it was nothing they can do and instructed me to call back Monday to reapply. 
I was informed that my expedite request was denied and my case has not been assigned to a banker. 

Under Regulation E ( 12 CFR 1005 ), Citizens Bank is legally required to provide provisional credit if an investigation can not be completed within 10 business days. Refusal to comply is a violation of federal law. 

I am formally requesting that Citizens Bank : 1. Post provisional credit immediately for the disputed amount, and/or 2. Provide a written explanation citing regulatory authority for any denial.

I am also submitting this complaint to the CFPB and will escalate further if necessary. 

Please treat this as urgent given my financial hardship and need for funds immediately. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX [ XXXX / XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
XXXX XXXX  ( XXXX XXXX ) has withdrawn {$1100.00} from my bank account through XXXX XXXX payments. However, XXXX XXXX payment history only reflects XXXX payments totaling {$890.00}, leaving XXXX payments unaccounted for. 

My bank has confirmed that all XXXX payments were successfully processed and were not returned or reversed. Despite this, XXXX XXXX has failed to properly credit my loan account or explain where the missing payments were applied. 

I contacted XXXX XXXX to request a detailed payment history and a formal payment trace for the missing payments. The company has not provided documentation accounting for the missing payments or corrected my loan balance. 

I am concerned about improper billing, inaccurate accounting, and potential financial harm resulting from XXXX XXXX failure to correctly apply payments that were withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C Systems has contacted me via phone call XXXX times and has texted me 7 times. I have told them multiple times that the bill was supposed to be sent to XXXX. They failed to provide me a statement with what i owe from the original creditor. Ive asked them multiple times to send it and they fail to. I do not owe them this amount that they are reporting on my credit report!

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