vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Firstmark services gave me a tone deaf email response on my last complaint. Nobody can afford XXXX dollars a month in payments and XXXX dollars a day on interest. This is a resubmission of my last complaint because I accidentally put my email in the company name field. The shady company is firstmark services. They took over my loans after discover stopped offering loans which is who I had my loans through to begin with. Anyways, this is ridiculous. Firstmark services are a bunch of bloodsucking leeches who will not work with me to lower my interest rate or monthly payments. The options they provide for lowering payments dont take into account the fact that if I pay less money it will take longer to pay off my loans. At this rate I will be paying my loans off for the rest of my life. Nobody making less than XXXX dollars a year can afford XXXX dollar a month in student loan payments. Thats ridiculous. No matter what amount I pay towards my loans the interest rate keeps increasing the total amount that I owe. This is totally unfair and I believe if the loans still belonged to XXXX they would work with me on this more than firstmark has. Firstmark is a scam company and there is no way they should be allowed to service anybodys loans. I need lower monthly payments and a lower interest rate if Im ever going to make even a dent in these loans. Totally unfair. This is an add on the complaint XXXX which I submitted incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: KS

Complaint narrative:
On XX/XX/year>, I received an unsolicited debt collection notice via text message from Halsted Financial Services , LLC ( Reference Number : XXXX ). The message contained a link to a PDF document intended for a " XXXX XXXX. '' I am the current subscriber of the phone number ( XXXX ) that received this message. I am not XXXX XXXX, and I have no relationship with this individual or the creditors listed ( XXXX XXXX XXXX / XXXX XXXX Bank, XXXX. ). The transmitted PDF contained the following sensitive information belonging to a third party : Full Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, CA Partial Account Number : * XXXX Debt Amount : {$690.00} Violations Identified : FDCPA Violation ( 15 U.S.C. 1692c ( b ) ) : The collector disclosed specific details of a consumer 's debt to me, an unauthorized third party. TCPA Violation : The collector sent automated collection materials to my cellular telephone without my prior express consent. Privacy Breach : The collector failed to verify the " right party '' before transmitting protected financial information and PII ( Personally Identifiable Information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I was a victim of XXXX XXXX and financial coercion. This account was opened by my husband, not me. He controlled what money was spent, on what card, and I had to be given permission and directives for all financial matters. I left in protective custody with my XXXX in XX/XX/XXXX after my husband was XXXX and taken to XXXX for shredding my credit cards on video, which is classified as XXXX XXXX, an act of XXXX XXXX in Colorado. I left my home with no money, and significant debt that my husband had taken out in my name. When this and other credit was taken out in my name without my consent, I did not know that this was still considered identity theft. So, I kept paying the credit card bills, drowning in the debt that was taken out in my name. I called a local company here in town, whose representative advised me that this is in fact identity theft. When I obtained an attorney to file for divorce and custody, my attorney advised the same fact, and both the credit counselor and my attorney recommended that I file for identity theft. I called American Express on XX/XX/XXXX to report identity theft on this credit card account. I received a letter back from American Express on XX/XX/XXXX stating that the investigation was concluded because I was making payments from my bank account on the account that I have accepted accountability for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>, I was first contacted by a debt collection agency regarding a debt originally associated with XXXX. This debt had previously been sold to a third-party collector, and a substantial portion of the balance was already paid at that time. Despite this, the debt appears to have been resold multiple times, and different collection agencies have continued to contact me attempting to collect amounts that are inaccurate and not owed. These companies have failed to provide proper validation of the debt despite my requests. I have requested validation of the debt, including proof that the company owns the debt, a full accounting of the amount being claimed, documentation of prior payments made, and verification of the original creditor. These requests have not been properly fulfilled. Since XX/XX/year>, I have received repeated phone calls and text messages from various collection agencies. I have informed these companies that I dispute the debt and have requested that they cease contacting me. Despite this, the communications have continued. This ongoing conduct is causing significant stress and disruption to my daily life and professional responsibilities. The repeated attempts to collect an inaccurate or unverified debt, along with continued contact after being asked to stop, appear to violate the Fair Debt Collection Practices Act ( FDCPA ). I am seeking assistance in stopping these collection efforts and ensuring that no further attempts are made to collect any unverified or inaccurate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 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:
This is a follow-up complaint. The Department of Education has failed to respond even after formal written demand following a 3-year delay. I submitted a Borrower Defense to Repayment application on XX/XX/XXXX, seeking discharge of my federal Direct Loans associated with XXXX XXXX University due to institutional misconduct and misrepresentation. The Department acknowledged my claim and placed my loans into administrative forbearance. However, more than three years have now passed without a final determination. I have already taken the following steps : Formal Demand for Final Decision ( XX/XX/XXXX ) Complaint filed with the Consumer Financial Protection Bureau Escalation to the FSA Ombudsman Congressional inquiry request Formal notice of unreasonable delay under the Administrative Procedure Act Despite these efforts, the Department has failed to issue a decision or provide lawful justification for continued delay. THIS DELAY IS UNLAWFUL The Departments continued inaction constitutes : Unreasonable delay under 5 U.S.C. 706 ( 1 ) Withholding of required agency action Ongoing harm through indefinite uncertainty and continued interest accrual DEMAND FOR RELIEF Given the Departments failure to act within a reasonable and required timeframe, I hereby demand : Immediate discharge of all federal student loans associated with this claim, including all accrued interest ; or Immediate issuance of a final determination. If the Department fails to act within 15 days, I will proceed with federal litigation seeking : Court-ordered relief Compelled agency action All other remedies available under federal law This letter serves as final notice prior to filing suit. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/year> Chase closed accounts abruptly due to fraudulent activity. They were unwilling to provide details of the activity but did disburse funds in the account to us, except for {$2200.00}. Chase requested the original check which we provided, and we were told we needed to prove it was for us but did Not state what else we could provide. They said we could wait up to 3 years and see if it posts to unclaimed funds and it had not. The check can not be reissued since chase wont kicked the funds back to the treasury department. These funds have been tied up for nearing 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to make a purchase on XXXX for approximately {$210.00}. The transaction appeared to fail at the time, so I made a second purchase for the same deal shortly after. Later, I discovered that both transactions were successfully charged to my American Express account, resulting in a duplicate charge. The first purchase was never used or redeemed. This was an unintentional duplicate purchase caused by the assumption that the initial transaction had failed. I attempted to contact XXXX to resolve the issue but was unable to reach a human representative. I then filed a dispute with American Express. American Express denied my dispute, stating that the merchant provided documentation. However, the documentation sent by XXXX was difficult to read and unclear. They claim to have sent vouchers from two separate accounts, but I can only see one account. Additionally, one page of the document lists an amount of {$720.00}, which does not match the actual charges. I do not understand how American Express used this documentation to deny my dispute and close the case, since it does not clearly support the claim that the charge is valid. I am requesting that the unused duplicate transaction be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did a mobile deposit of an XXXX check of {$830.00} on XX/XX/year>. Wells Fargo Bank gave me the credit on that day. Two days later, they deducted {$830.00} from my account stating the check bounced, meaning the government XXXX could not cover the funds. Please investigate.

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 2026-03-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a mileage credit card that had a balance of XXXX points. I noticed the balance had missing XXXX points on XX/XX/XXXX. I contacted the fraud department to report this issue. The card was cancelled and a new card reissued on XX/XX/XXXX which I received on XX/XX/XXXX. The representative stated I would be refunded the reward amount of XXXX. To date the reward point have not been reinstated. I followed up with Chase, was rerouted multiple times and was told initially, that it was an email issue and I would need to follow up with XXXX to get resolved. I did which ended up going nowhere. I called Chase back and had the call escalated to a supervisor with the fraud department on XX/XX/XXXX. I was told they would escalate the case and stated it may be 14 days to end the investigation. During the call, I received an email indicating Chase had completed the review dated { XX/XX/XXXX }. The letter stated that the review was completed and determined that I am responsible for the XXXX total reward points redeemed on XX/XX/XXXX. No adjustments will be made. There was no explanation, support or verification of the " review '' provided. My husband and I had been at a Chase branch on XX/XX/XXXX for several hours making changes to our accounts. We were requested to provide ID to include a credit card. I had provided my XXXX in addition to this compromised card. It was this same time frame that the miles were removed or stolen from the account. This may be a coincidence, however, the timing was very unusual. Of the several custom and fraud reps. I spoke to, no one had any idea how this occurred. My goal is to have my reward points refunded and an explanation of how they have made this determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX we were placed on a forced flood insurance plan costing {$920.00} more a month when XXXX transferred to Shellpoint mortgage. We immediately contacted Shellpoint and explained we had a LOMA which we bought when we built the house to be out of flood zone. They said the certificate was not valid and out of date. We contacted FEMA and they said the certification was still valid and not expired. We then sent them all of the paperwork again and asked for a response and to be reimbursed and flood policy cancelled. No one ever called or reached back to us. We called them daily and no one would help us. We struggled to pay our mortgage from XX/XX/XXXX until XXXX of XXXX. We were transferred from Shellpoint in XX/XX/XXXX to XXXX XXXX. Our first phone call to XXXX they took our XXXX certificate and cancelled our flood insurance policy and they told me to call Shellpoint and get a reimbursement. I have had nothing but trouble and rude people saying they would put in tickets. I even reached out and found someone that works at Shellpoint on XXXX and asked her for help to speak to someone. She was super nice and said she would pass the story and our information to a gentleman but he never called or emailed. I dont know what else to do. I just want our money we paid for the months we paid and wasnt even suppose to be a policy placed. It was fault on Shellpoint side. We just need help please. I can provide you FEMA correspondence saying we should have never been put on flood insurance policy and emails with FEMA trying to get Shellpoint what paperwork they needed and they did nothing. We have asked everytime to talk to someone who can help us and given the run around and not letting us talk to anyone or escalating our situation for so long. Our current mortgage company sent an email saying they have a case opened with Shellpoint but no one has communicated with us.

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 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I was charged a XXXX fee for coin base one membership I did not agree to this also while I was a Coinbase one member they continued to charge me trading and other fees which are supposed to be free if u are a member. I want all my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo close my account without a reason why they just said with high-level confidential Ive never had a problem with my account. My account is in good standing everything is paid as far as the credit cards and im not understanding why they were close my account abruptly with no clear reason.

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 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have called SPS XXXX on XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I bought my property in XXXX. I am required to use the mortgage escrow for property taxes and insurance for two years. The prior owner owned this property for 50 years, so the property tax assessment is {$9400.00} based on her history. My supplemental assessment is {$19000.00}. My home owner 's annual insurance premium is {$4500.00}. Combined, my tax and insurance obligation is {$33000.00}. I pay $ XXXX to escrow, or {$33000.00}. In or about XX/XX/XXXX or XX/XX/XXXX I uploaded a copy of my supplemental tax assessment to the SPS client portal so they could pay it. You can not see what has been uploaded so I called on XX/XX/XXXX to ensure it was received. I was told it was received and they would pay it. On XX/XX/XXXX, a week prior to the due date, I called to see why it wasn't paid. They told me I " wasn't signed up for payment of supplemental taxes. '' I asked that they return my overpayment to escrow so that I could pay it. The woman said she would send the message internally for my refund. On XX/XX/XXXX, I called again about my refund. I was told that no request showed so she would submit an escrow analysis request, which would trigger the refund. I called again XX/XX/XXXX, again asking why I was not receiving the overpayment. This woman spoke with someone else and said that asking for an account analysis request was the correct way to do it. It is now XX/XX/XXXX. I have NEVER received ANY correspondence verifying any of my requests or the results of these analysis requests. I owe {$9600.00} on XX/XX/XXXX for the second half of the supplemental assessment. I had to take money for retirement contributions to pay the first assessment. They are holding my money hostage without ANY EXPLANATION OR RIGHT. My account dashboard shows that I have {$29000.00} just sitting in my escrow account. At least {$20000.00} of that should be returned to me for my XXXX supplemental taxes. It should be illegal for them to require me to overpay to the escrow account when they know they arent going to pay the supplemental bill. They have known since XXXX what the full tax assessment is ( two payments of {$4700.00} ) and should have immediately refunded me the overage and stopped requiring me to pay it. It should also be illegal for them to fail to respond to my multiple inquiries for assistance, to fail to show documents I have submitted in the portal, and to otherwise try to hide their culpability. They are funding loans with my money while I am losing the opportunity to earn appreciation on those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
i have received several messages from this particular company on several different days about an XXXX XXXX XXXX account owing them money when i never had a XXXX XXXX XXXX account before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to two collection accounts listed on my credit report reported by Midland Credit Management Inc. Creditor/Collection Agency : Midland Credit Management Inc Amount {$490.00} and {$240.00} The information being reported remains incorrect. Midland Credit Management Inc has not provided me with sufficient documentation to validate this debt or support the accuracy of their reporting. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Midland Credit Management Inc provide full validation of these accounts, including documentation of the original agreement, complete account history, the amounts owed, and proof of their legal authority to collect and report these accounts. If this documentation can not be provided, I request that both accounts be deleted immediately from my credit report. Thank you. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation