vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: United Shore Financial Services, LLC
State: LA

Complaint narrative:
I was led to believe I would be remortgaging to lower my interest rate and I thought we were paying some of my bills because of a remodel of our house. We started with this company XXXX XXXX with our loan being at {$320000.00} and a monthly note of {$2200.00}. When all was said and done we ended with {$350000.00} and a {$2700.00} note. With no bills being paid off and {$30000.00} in closing costs. We did speak to a lawyer and and several other mortgage companies. We were informed this is insane and outrageous closing costs. I would appreciate your help in this matter because we have really no other options. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
" I am filing a complaint against Comenity Bank regarding my XXXX XXXX XXXX credit card. A customer service representative explicitly promised over the phone that the bank would remove an isolated late payment mark from two years ago as a courtesy adjustment. I subsequently followed up via email, which the bank completely ignored. The damaging late marks remain on my credit profile, violating the verbal agreement made by their staff. I demand that Comenity Bank honor their commitment and delete the 30-day and 60-day late payment notations from XXXX XXXX XXXX XXXX immediately. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. A copy of the original signed agreement or contract 4. A complete payment history, including all charges, fees, and interest 5. Proof that your company is authorized to collect in my state 6. Proof that I am legally obligated to pay this debt Until you provide proper validation, you must cease all collection activity and reporting to credit bureaus. If this debt can not be validated, you must remove it from my credit report and cease collection efforts immediately. I also request that all future communication be in writing only. This is not a refusal to pay, but a request for validation. Sincerely, 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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX, a paycheck in the amount of {$750.00} from my employer was deposited by XXXX into the wrong Wells Fargo account. The account it was deposited into was not mine. Wells Fargo processed the deposit anyway and the person who received it withdrew the funds. contacted Wells Fargo multiple times to resolve this. Customer service told me the deposit would bounce back it never did. I was repeatedly told my employer would need to file a claim, but nothing was ever resolved. I never received my earned wages. I previously filed a CFPB complaint ( case number XXXX ) in XXXX. Wells Fargo closed the case and directed me to contact XXXX at a number they provided, which does not work. This matter has remained unresolved since XXXX and I have never recovered the {$750.00} in wages I worked for. Wells Fargo failed to properly handle a misdirected deposit and failed to resolve this matter despite multiple contacts and a prior CFPB complaint.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: NY

Complaint narrative:
A fraudulent loan has popped on my credit report is a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: NY

Complaint narrative:
WCF DBA KOALAFI is reporting inaccurate and inconsistent information on my account, including incorrect charge-off reporting and unverifiable account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: MD

Complaint narrative:
I reach out to the company today trying to find out what this debt was about. When I got someone on the phone I gave them my name and information and they told me they didnt have account for me to just disregard the issue. I explained that I couldnt and that its leaving a bad report on my credit and I want it removed if they dont have a account showing I owe this balance then it need to be removed. Cause thats false reporting on a person credit report. But the name was completely different from what was reported on my credit report but I called the number thats on the report that was given as away to contact them. Said the name of there company is called XXXX I never heard of this company and they did loans for furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I am filing this complaint against Williams & Fudge regarding repeated and harassing collection activity tied to an alleged debt that I formally disputed and requested validation for. Pursuant to 15 U.S.C. 1692g ( b ), I requested documentation proving I legally owed the debt, including any signed agreement or records showing their authority to collect it, but I did not receive adequate validation. Despite my dispute, the company continued collection efforts and repeatedly called my phone, including during working hours. Multiple calls involved silence or no response after I answered, which became disruptive, excessive, and stressful. I believe these actions may violate 15 U.S.C. 1692d, which prohibits harassing or abusive conduct, and 15 U.S.C. 1692d ( 5 ), which prohibits causing a telephone to ring repeatedly with intent to annoy, abuse, or harass. Their conduct may also violate 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading collection practices. Additionally, under Texas Finance Code 392.302 and 392.304, debt collectors are prohibited from using harassing, coercive, or misleading collection methods. Because this debt has not been properly validated as required under federal law, I dispute the accuracy and legal enforceability of the account being reported. Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, furnishers of information have a duty to report accurate and verifiable information. I am requesting that this account be removed from my credit report and that all collection activity cease unless and until the company can provide competent evidence that I am legally responsible for the alleged debt. I am also requesting that all future communication be conducted in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: NV

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding an account being reported by WILLIAMS & FUDGE INC on my XXXX credit report. I do not recognize this account and have no known affiliation with either the alleged original account or the reporting collection company. In an effort to resolve this matter directly, on XX/XX/year>. I contacted the company and requested documentation supporting the validity of the account, including documentation sufficient to establish ownership of the alleged debt and authority to report the account. I have not received sufficient documentation to verify that this account belongs to me. Because I dispute the accuracy and ownership of this account, I am requesting investigation and review pursuant to rights provided under the Fair Credit Reporting Act, including : 15 U.S.C. 1681i Right to dispute and request reinvestigation of inaccurate information 15 U.S.C. 1681e ( b ) Requirement to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Furnisher duties after receiving notice of dispute regarding completeness or accuracy of information If the reporting company can not provide sufficient verification supporting the account and its reporting, I respectfully request correction or removal of the disputed tradeline as appropriate. I respectfully request CFPB assistance in obtaining review and resolution of this matter. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I got into a car accident and the insurance paid for what the car value price was gave it to the loan company and I was left with a {$9000.00} balance to pay and I couldnt afford to pay that so I told them to repo it off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tilt Finance, Inc.
State: TN

Complaint narrative:
Since XXXX, I have been attempting to make payments on my XXXX XXXX account through Tilt, but I have been unable to do so because of unresolved issues on the companys side. This matter has now been ongoing for several months with no resolution despite repeated efforts on my part. I have contacted customer service multiple times and have consistently been told that the issue would be escalated and that someone would call me back. No one has ever followed up. I have also requested to speak with supervisors or managers, but I have repeatedly been told that no one is available. To try to resolve this issue, I have provided requested documentation, including my name change documents, and I have attempted to make payments using multiple bank accounts. Despite these efforts, I have continued to experience issues that have prevented me from making payments on my account. I have made good-faith efforts for months to keep my account current and resolve this issue, but because the company has failed to address the problem, my account has now become delinquent and negative information has been reported to my credit profile. This has already impacted my credit score. I am requesting an investigation into this matter, correction of any inaccurate negative reporting related to these unresolved payment processing issues, and assistance in reaching a resolution so I can bring my account into good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Open Bank has a technical glitch preventing login. Frontline customer service refused to assist, stating I was locked out for XXXX hours. I followed instructions, reset the password, and the system still denies entry. The bank is actively withholding access to my liquid savings and refusing to process a manual phone transfer.

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 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Jennifer McCoy, PC
State: AL

Complaint narrative:
Unlawful Debt Collection and Wrongful Wage Garnishment on a Satisfied Debt 1. Background of the Dispute The debt in question, allegedly owed to XXXX XXXX XXXX, was fully settled and paid in full approximately 15 months ago ( confirmed by the collection agency, XXXX, on XX/XX/XXXX. Despite this, the law firm of XXXX XXXX XXXX initiated a legal garnishment of my wages at XXXX ( Case No. XXXX ). 2. Violation of the FDCPA ( Fair Debt Collection Practices Act ) Under the FDCPA, debt collectors and attorneys are strictly liable for ensuring the validity of a debt before pursuing collection actions. The law firm failed to perform due diligence and proceeded with an unlawful garnishment on a {$0.00} balance debt that had been resolved for over a year. 3. Timeline of Negligence and Lack of Communication XX/XX/XXXX : My wages were garnished in the amount of {$250.00} based on a non-existent debt. XX/XX/XXXX : I provided the law firm with definitive proof of payment from XXXX. The firm subsequently filed a " Release of Garnishment, '' acknowledging the error. XX/XX/XXXX XX/XX/XXXX : I sent multiple formal demands for the reimbursement of the garnished funds ( {$250.00} ) and the court filing fees ( {$25.00} ). The law firm ignored all written communications for 14 consecutive days. XX/XX/XXXX : Only after I issued a final notice of intent to report to the CFPB did the firm respond. Their response attempted to deflect direct liability by stating the funds were returned to my employer ( XXXX ) rather than issuing a direct refund for the damages caused. 4. Actual Damages Incurred The law firm 's negligence has caused significant financial and professional harm : Direct Financial Loss : Unlawful garnishment of {$250.00} and court fees. Administrative Burden : I was forced to use my Paid Time Off ( PTO ) and personal work hours to rectify a legal error and communicate with XXXX supervisor that was entirely preventable. Emotional Distress : The stress of dealing with an unexpected and wrongful legal action against my primary source of income. 5. Conclusion The law firms conduct represents a " willful disregard '' for consumer protection laws. Their 14-day silence and refusal to take direct responsibility for their administrative failure demonstrate a pattern of unfair and deceptive practices. I request the CFPB to investigate this matter to ensure full restitution and to prevent this firm from engaging in similar unlawful practices against other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DE

Complaint narrative:
On XX/XX/year>, and on XX/XX/year>, I was notified that my PSLF were forgiven and that I would be receiving a refund for an amount around {$2600.00}. I have sent XXXX emails on the Mohela Website for almost XXXX years asking where the refund is and what is going on. Each message I receive back is a generic copy/paste with really no real answers. I have called repeatedly, been hung up, and waited on hold for hours with no one picking back up. XXXX weeks ago I called and asked for management. The woman on the phone told me my refund had been denied by quality assurance but for some reason quality assurance never put a reason why. She sent an email asking for clarification since it will be almost XXXX years. I was told to call back in XXXX days for an answer. I called today ( which is XXXX days ) and there was XXXX response back to the email. The woman on the phone also had no information. When I asked to speak to a manager above her she told me without pause there was no manager available. I told her I would hold since she didnt even check for a manager and then I waited for XXXX more minutes and no manager ever came. She said she sent a follow up email and that I should again call back in another XXXX weeks. I am outraged at the lack of accountability, follow up, responsibility, or quality check for Mohela. How can my refund take XXXX months with no answers? Why isnt anyone from Mohela sending me any correspondence? Why is it acceptable to take this long and why does no one have any sense of urgency to respond to clients questions?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Will not accept my payment. They are just trying to lower my credit score. It is New Rez and XXXX XXXX mortgage.

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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Account Servicing, LLC
State: PA

Complaint narrative:
I entered into a financing agreement related to XXXX products/services after what I believe were high-pressure and misleading sales tactics. I was rushed through the process and do not believe the long-term financial obligations and cancellation terms were clearly explained before the agreement was finalized. Shortly after, I attempted to dispute/cancel the agreement and requested information including a copy of the signed agreement, financing terms, cancellation policy, proof of authorization for recurring charges, and instructions for returning unopened products. The products I received remain unopened and available for return. Despite my attempts to resolve this matter in good faith and return the products, I have continued to receive billing notices and collection-related communications. I also discovered a significant number of similar consumer complaints online describing difficulty canceling agreements, continued billing, and disputes regarding sales practices involving this company. I am requesting : * Investigation of the billing and collection activity * Validation of the alleged debt * Copies of all signed agreements and authorizations * Confirmation that no further billing or collection activity will occur while this dispute is being investigated * Instructions for returning unopened products I believe the company has failed to reasonably address my dispute and continues attempting to collect on an account that I formally dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am trying to get a partial release of a lot that is included in my primary mortgage. This is with Shellpoint mortgage ( newrez ). The process can take an average of 90 days, but Shellpoint is notorious for delaying, not responding or ignoring requests. I have a real estate attorney that is helping me with this, and it is starting to get costly with no movement in sight. The first contract with Shellpoint was made on XX/XX/year>. An application was submitted with all the required documents and nothing has happened since then. This is almost XXXX months ago already. There is no direct line, all communications are handled by e-mail only, making it very difficult to find out what is going on. They do not respond to requests for information. Short of legal action, I am getting very frustrated with the whole ordeal, as I would like to separate and sell the property. Time is money, and it's my money. If there is anything that can be accomplished by this complaint, I would greatly appreciate it.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
Apparently XXXX XXXX XXXX and results unlimited has taken garnishment against my account which holds my social security payment. From my understanding it's illegal to do this type of transaction cause my social security is a protected federal funding. Now it considered a crime for this type transaction with the bank and the debt collector result unlimited. I have persuade other complaint with the federal trade commission and the XXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation