vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I am filing this complaint against Spring Oaks Capital for willful non-compliance with the FCRA and FDCPA. This company is engaging in predatory " Refractioning '' the intentional re-aging of fraudulent debtand has knowingly provided a false Certificate of Accuracy ( COA ) after receiving a valid Police Affidavit. 1. ILLEGAL RE-AGING : The original delinquency for this account is XX/XX/XXXX. However, Spring Oaks has manipulated the " Date Opened '' field to XX/XX/XXXX. This is a blatant act of illegal re-aging designed to bypass the 7-year reporting limit and artificially reset the credit reporting clock. 2. DECEPTIVE CLASSIFICATION : Spring Oaks is misrepresenting itself in the XXXX XXXX system as a " Factoring Company. '' They are a debt buyer of defaulted debt, not a factoring company. By miscoding this as an " Open/Factoring '' account, they have caused a catastrophic drop in my credit score by tricking scoring algorithms into treating a collection as an active credit line. 3. FRAUD CERTIFICATION : I provided Spring Oaks with a Police Affidavit for Identity Theft. Despite this, they issued a COA to verify this debt. Under FCRA 623 ( a ) ( 6 ), a furnisher is prohibited from furnishing info they have been notified is fraud. Furthermore, I emailed Compliance Officer XXXX XXXX on XX/XX/XXXX with proof of the illegal re-insertion and the police report ; these notices were ignored. XXXX. ADMISSION OF DELETION : On XX/XX/XXXX, representatives XXXX XXXX and XXXX XXXX confirmed on a recorded call that their internal system shows this account was deleted on XX/XX/XXXX. The current reporting on XXXX is " Ghost Data '' that even the furnisher admits should not exist. In addition on XX/XX/XXXX on a recorded call a supervisor told me that they would expedite a deletion and it would take about 48hours give them so time because they usually report on XXXX. I waited until Mon to call it was still reporting. XXXX. CROSS-BUREAU DISCREPANCY : Spring Oaks is reporting the correct " Closed '' status on XXXX, but is simultaneously reporting a fraudulent " Collection '' on XXXX. This inconsistency proves a total lack of internal data integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This complaint is a continuation of a prior complaint I submitted to the Consumer Financial Protection Bureau regarding the servicing of my federal student loans by Aidvantage. The prior complaint was closed without substantive resolution, as the issues raised were not addressed and the requested documentation was not provided. From XXXX to the present, I have held federal student loans, including loans associated with a Borrower Defense to Repayment application related to XXXX University XXXX XXXX XXXX XXXX. In XX/XX/XXXX, my federal student loans were transferred from XXXX to Aidvantage. Upon transfer, Aidvantage placed my loans into an administrative forbearance, stating that this action was directed by XXXX XXXX XXXX ( XXXX ). I did not request this forbearance. At the same time, XXXX retained several of my federal loans and did not place those loans into forbearance. This created an inconsistency in how my loans were treated across servicers. In connection with my Borrower Defense application, I elected to decline forbearance. Despite this selection, Aidvantage placed my loans into forbearance anyway. From XXXX to XXXX, my total loan balance increased from approximately {$370000.00} to {$550000.00}. This increase includes significant interest accrual during the forbearance period and applies to loans beyond those associated with my Borrower Defense claim, including undergraduate loans. Between XX/XX/XXXX and XX/XX/XXXX, I contacted Aidvantage multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting documentation and clarification regarding : The directive from XXXX requiring forbearance Which loans were included and why A full accounting of interest accrual and capitalization Why my election to decline forbearance was not honored Aidvantage did not provide the requested documentation. Instead, they stated that they would not provide details regarding XXXX directives, advised me to calculate interest myself, and indicated that additional documents might be sent separately. In their formal response, Aidvantage stated that all loans are placed into Borrower Defense forbearance, that interest accrues daily and will not be adjusted, and that amortization schedules are not available. They also stated they had not been instructed to remove any accrued interest. As of XX/XX/XXXX, Aidvantage ended the forbearance based on direction from XXXX. However, the issues regarding the application of the forbearance, inclusion of certain loans, and the accuracy of accrued interest remain unresolved. I am seeking documentation, a full accounting of my loan activity, and review of whether any interest or charges were improperly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
On XXXX XXXX, freedom mortgage received my application for loss mitigation. On XX/XX/XXXX I was approved for a standalone partial claim with trial payments beginning in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A requirement was for an attestation to be completed. I made a payment on XX/XX/XXXX but I did not attest and therefore was informed via phone call to freedom mortgage on XX/XX/XXXX. On XX/XX/XXXX was also the day that I reapplied for loss mitigation. On XXXX XX/XX/XXXX i received both mail correspondence that my new loss mitigation application was received and a letter stating my previous LM plan failed due to rejecting current plan- again i did not complete attestation. On XXXX XX/XX/XXXX i received mail correspondence that i again was approved for a standalone partial claim with trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Attestation was completed in mid XXXX and both trial payments were made in time for XXXX and XXXX. However, on XX/XX/XXXX i noticed that my online account had changed status to severly delinquent and no longer active with loss mitigation. I have made daily calls on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire on why i was taken off trial payments. Freedom mortgage has confirmed It was an administrative error but has not updated my account and has continued with pre-foreclosure proceedings. At this point dual tracking is obvious- i should be active on trial payments and foreclosure proceedings should not have advanced.

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 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. Please Remove/ Deleted the following Items. XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX AND XXXX BY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2026-05-01 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: CA

Complaint narrative:
I am submitting this complaint regarding a misleading booking made through my American Express account. I used my American Express card to book a hotel stay for my family through the Amex Travel portal. At the time of booking, the hotel was clearly displayed as part of the XXXX Hotels + Resorts ( XXXX ) program, which includes specific benefits such as a {$300.00} annual statement credit. However, after completing the reservation, I noticed that the booking did not code as an XXXX reservation. As a result, the {$300.00} XXXX credit was not applied to my account. I contacted American Express customer service, and they informed me that the hotel I booked is not actually part of the XXXX program. This directly contradicts what was shown on the booking page at the time of purchase. I relied on that representation when making my decision. Because of this misleading information : I selected this hotel specifically for the XXXX benefits. I incurred charges under the expectation of receiving the {$300.00} credit. I am now unable to receive the promised benefit due to inaccurate or deceptive listing. I believe this constitutes false advertising or misrepresentation of benefits. I respectfully request that American Express honor the {$300.00} XXXX credit or provide an equivalent resolution. I have supporting documentation, including screenshots of the listing showing the hotel as XXXX at the time of booking, and records of my communication with customer service. Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX after I went to bed, I woke up to pay bills and found out {$2100.00} was deducted from my account from a company called XXXX XXXX on the charge this number is listed XXXX. I have left XXXX messages for them to call me. I need a " login '' or user name to speak to someone and I don't have one so it reverts you to a voicemail for someone to call you back. It has been almost 3 weeks and not one of my calls have been returned. I called my bank the morning of the 11th to let them know I had unauthorized charges and needed my debit card cancelled immediately and a claim opened. The claim was denied 3 days later due to my debit card being attached to a virtual wallet that Wells Fargo added on the phone with me so I would have access to my new card in XXXX. Wells Fargo is supposed to protect my money and clearly didn't care. I asked for the denied claim to be reopened and escalated to a manager. It was denied at that level stating I had charges similar to this in the past. I asked for the " similar '' charges that they are stating I have. They will not give me any more details and I can't get anyone to help me. I can't get the company who charged this to answer the phone or return a call. When I looked them up, every review states it is a scam / fraud.

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
My vehicle was stolen on XX/XX/year>. On XX/XX/year>, my stolen vehicle was recovered by law enforcement. It was initially held at XXXX XXXX in XXXX, where a lien notification was generated. Police then ordered the vehicle moved to XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX, and the initial lien at the previous lot was removed. I contacted XXXX XXXX XXXX and authorized the vehicle to be released to my insurance company XXXX so they could assess the physical theft damage and tow it back to XXXX California where I reside. However, BMW Financial Services illegally intervened and repossessed the vehicle directly from XXXX XXXX XXXX on XX/XX/year>. BMW admitted to me on a recorded telephone call that they pulled the vehicle based on the old lien notification from XXXX XXXX. They admitted they did not realize the lien had already been removed and that the car had been moved to a second lot. Despite admitting to taking the vehicle without a valid active lien at that location, which constitutes a wrongful repossession, BMW is now doubling down. They have blocked me from making my regular payment for XXXX and are demanding approximately {$2000.00} to reinstate the loan. Furthermore, my insurance company is refusing to inspect the vehicle at the lender 's facility because of the repossession. I am currently undergoing XXXX XXXX and can not handle this severe financial abuse and stress. BMW created this situation through negligent record-keeping and unauthorized seizure of the property. I am demanding that BMW Financial Services cancel my loan contract due to this wrongful repossession, forgive any alleged fees resulting from their error, Refund all payments I have made on this vehicle loan due to the wrongful repossession and breach of contract and settle the physical damage claim directly with my insurance carrier if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: TX

Complaint narrative:
I have been bilt palladium card member since XX/XX/2026. This is their most expensive card with yearly fee of {$490.00}. My expectation was of great customer service. My account is in good standing with all paymentsbpaid in full. My fico scorebisnin XXXX and i am always dutiful in paying my bills. From XX/XX/XXXX credit card transactions started getting declined. I was initially confused but it kept happening. After few days i called the company 1800 number. They informed that my card has been frozen with no concrete reason. Only after calling me they sent an email asking for a picture with valid id. After having cards from XXXX, XXXX, XXXX XXXX for 25 years in america, i have never been requested a picgure with id. Seems like this company does not know what they are doing. After sending what is requested they still havent fixed the issue. They do not provide any periodic updates about progress either. I have automatic payments set on card for bills. I have good credit and this might cause my credit to drop. Please help me with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage with Shellpoint Mortgage Servicing ( Loan ID XXXX, property : XXXX XXXX XXXX, XXXX, CA XXXX ) was paid in full on XX/XX/year>. The lien was released and recorded by XXXX XXXX XXXX on XX/XX/year> ( XXXX XXXX. XXXX ). XXXX XXXX XXXX issued a property tax overpayment refund of {$3400.00}, which Shellpoint received on my behalf. Instead of returning the full amount, Shellpoint sent me only {$2200.00} ( Check # XXXX, dated XX/XX/year> ), withholding {$1200.00} with no prior written notice or explanation. After I complained, Shellpoint disclosed that {$1000.00} of the withheld amount was applied to XXXX Costs foreclosure costs paid to XXXX XXXX XXXX XXXX XXXX via XXXX on XX/XX/year>. This is the same date the XXXX was officially recorded as released. The loan was already legally extinguished. Shellpoint had no authority to incur new foreclosure costs on a satisfied loan and no authority to pay those costs out of a property tax refund that belonged entirely to me. The remaining {$210.00} withheld ( {$78.00} recording costs + {$130.00} certified mail costs ) corresponds to fees already collected in full at the XX/XX/year> payoff closing. I have simultaneously sent a formal RESPA Notice of Error to Shellpoints designated error resolution address ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX ) via certified mail, return receipt requested.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
i have a hard time signing in my account online to use it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
Someone hacked into my Cash App account, removed my device from my account along with my phone number and email and then withdrew {$200.00} from my bank account until it was empty, until it was overdrawn actually. {$3000.00} total. I noticed this had happened when I went to use my cashapp account. I tried to login with my face id and it didnt recognize my face and promoted me to make a new account. Even when I used my phone number it wasnt recognized so it prompted again to make a new account. Then I checked my bank account and saw all of the fraudulent transactions. Thats when i contacted cashapp customer support. Ive also disputed this with my bank as well and if I have to Ill go to the police too. Let me know if you need anymore information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I am filing a complaint against a debt collection company for improperly disclosing my personal debt information to a third party. On XXXX XXXX the company sent an email to a family member of mine at XXXX. This individual is not a co-signer, joint account holder, or otherwise legally responsible for my alleged debt.I have not given the company permission to contact this person.The email contained a settlement offer and included details such as the alleged balance owed and/or payoff amount.This communication clearly disclosed my debt to a third party.This action appears to violate the Fair Debt Collection Practices Act, which prohibits debt collectors from sharing information about a consumer 's debt with unauthorized third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Oquirrh Mountain Law Group, P.C.
State: WI

Complaint narrative:
I recieved a settlement for the lawsuit against Lexington Law for requiring payment before getting results. I just ( XXXX ) received an email from them with an offer to fix my credit report with payment due in 5 days of signing up, which is still illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
I am a US Veteran on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted pennymac in XXXX of XXXX about a letter I received saying I had property taxes due. I told them I was tax exempt and uploaded the documents proving this and the documents that I submitted to XXXX XXXX Oklahoma after I bought the house. There was something about because I bought the house in the middle of the year and not on XX/XX/XXXX that I would be responsible for the entire year including the previous owners portion of the years taxes. Pennymac agent stated all they could do was make a supplemental payment to pay the property taxes.They stated I had an overage in my escrow account and they would only have to increase my monthlyy payment by approximately {$35.00} for 12 months along with the overage and they would pay the taxes. I was contaced by Pennymac in late XXXX early XX/XX/XXXX and was told that I could do a VA Interest rate reduction loan that would lower my monthly payment by about {$100.00} and that the previous tax bill was taken care of and since I am tax exempt there would be no additional taxes. Now on XX/XX/XXXX Pennymac contacted me saying there are delinquent taxes on my property and that they will have do another supplemental payment since they never paid the taxes like they said they would in XX/XX/XXXX. They raised my monthly payments starting XX/XX/XXXX which was to help pay the taxes that were due along with the overage on my escrow account. Pennymac says that now my monthly payment is going to be basically the same payment as it was prior to doing the VA Interest Rate Reduction loan because they never paid the taxes. The primary purpose of an IRRRL is to provide a " net tangible benefit '' by reducing your interest rate and monthly payment which now I will not have since the payment will be almost the same as before. They charged thousands of dollars in fees and rolled them into the VA Interest Rate Reduction Loan showing a net decrease in monthly payment only to turn around a few months later and say they have to raise the payment to cover the taxes they did not pay last year before the IRRL loan. Therefore the VA Interest Rate Reduction loan end up with XXXX tangible benefit as my payment is going to be the same or more than it was before doing the IRRL loan with Pennymac.

Company response to consumer: Closed with non-monetary relief