vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
In XX/XX/year>, I requested PMI removal from my mortgage servicer, Newrez. I followed all required steps, including signing and returning required documentation and submitting a {$190.00} check for an appraisal. This check was cashed and withdrawn from my bank account. However : - I was never contacted by an appraiser - No appraisal was ever scheduled or completed - I received no communication regarding the status, approval, or denial of my request I have since been told that the payment and documentation were not received, despite proof that the check was processed. I have now received a new letter instructing me to pay {$190.00} again and restart the process. This is unacceptable, as I have already paid for this service and it was never performed due to the servicers failure. As a result, I have continued to pay PMI and may have been eligible for removal earlier if my original request had been properly handled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I contacted Rocket Mortgage XXXX times trying to get this straightened out. Phone calls were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I filled out an email on their website. On XX/XX/XXXX, I sent a message through their app. I noticed on Rocket Mortgages app that they were claiming I never made XXXX, XXXX mortgage payment ( among other errors ) even though, they had originally posted it when they received the payment from the bank. The first XXXX phone calls, I was told it would get corrected as soon as possible. The third time, the person suggested to take the mortgage payment from a principal only payment. Immediately after hanging up, I went to their website, and filled out all of my payments, so they could correct their records. I included XXXX months where they had posted the payments long after they received them to look like the payments had been late. All of the payments have been made electronically, so they did receive them within XXXX hours, if not immediately. I waited for corrections to be made. When I checked what they did with my XXXX, XXXX payment, I saw they had misapplied funds yet again. On XX/XX/XXXX, I sent a message through the app stating that if my record wasnt corrected, or if I didnt hear from them within a week, Id be filing a formal complaint. On XX/XX/XXXX, I received a letter stating they intended on foreclosing. Ive included the following documents : Attachment XXXX Rocket Mortgages posting of my payments Attachment XXXX Copy of the email I left on their webpage showing needed corrections Attachment XXXX Foreclosure threat letter that they sent me Attachment XXXX Evidence from my credit union showing when each payment was sent electronically for XXXX through XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Since XX/XX/year>, Synchrony has repeatedly denied my disputes by stating that the merchant resolved the quality concerns. However, the merchants recent written communications prove that the system still has an active leak, still requires repairs, and still requires additional service. If the issue had truly been resolved as Synchrony repeatedly claimed, there would be no current leak, no current repair requirement, no additional charges being requested, and no ongoing property damage. Synchrony has continued to rely on the merchants statements while disregarding evidence that the defects remain unresolved. The merchants recent admissions directly contradict Synchronys conclusions and raise serious concerns about whether a reasonable investigation was ever conducted.

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 2026-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: SC

Complaint narrative:
XXXX University XXXX is my XXXX mater. Today one of the academic counselors personal work email was hacked. The hackers under XXXX XXXX XXXX sent out a university wide email saying a donor was giving away some her late husbands personal belongings due to him passing away. The email was sent with out Universitys Letter head and is a typical email we receive from the university day to day. I was scammed out of {$380.00} by someone XXXX dont know using Chime wire money transfer feature ; the money was sent to chime sign handle named $ XXXX but they sent a false email under the pretense of a loved one passing away vie our academic counselors university email. I filed a complaint with Chime and soon as I realized I was dealing with crooks. Chime says nothing can be done even though one of their mottos is Banking That Has Your Back. They did not seem to care and was ultimately informed nothing could be done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
SCHWAB checking account XXXX XXXX XXXX XXXX repeated rejection of valid bill payments for over a week even though the cash is there and/or balance to cover from brokerage has XXXX of dollars. schwab has had overdraft coverage in place for over XXXX years for this checking account and brokerage account IMPACT customer is incurring late fees, interest charges, negative credit score hits, revocation of services STATUS schwab has yet to fix or offer a alternate solution for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau regarding what I believe to be harassing and potentially unlawful collection practices by MOHELA, the current servicer for my overdue private student loan originally issued by XXXX. On XX/XX/year> alone, I received multiple calls to my cell phone from MOHELA or their agents, including : Several calls listed as Unknown Caller throughout the day A call from XXXX ( XXXX ) XXXX at XXXX XXXX XXXX, which my phone flagged as Potential Spam Another call from XXXX ( XXXX ) XXXX at XXXX XXXX XXXX This was not an isolated incident. These calls are part of a larger pattern of frequent, repeated phone contact on many days. I have a screenshot of my Recents call log from XX/XX/year> that illustrates the volume and pattern of these calls. I have clearly communicated to MOHELA that these repeated calls are causing me significant distress. On one call, I explicitly asked that they contact me at XXXX XXXX on a specific day so that I could talk when I was not working and caring for my child. They agreed to this time but never called at XXXX XXXX. Instead, they have continued to call at various times throughout the day. On more than one occasion, MOHELA representatives have also informed me that the calls would continue despite my requests to limit or adjust the timing and method of contact. I am a single parent with a demanding job, and this constant, aggressive contact is disrupting both my work and my ability to care for my child. While I understand that this is a private student loan and that MOHELA is attempting to collect a debt, the volume, timing, and persistence of their calls, combined with their refusal to meaningfully honor my reasonable requests around contact, feel excessive and harassing. Based on these experiences, I am concerned that MOHELAs practices in my case may violate consumer protection standards related to harassment and unfair or abusive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I leased a residential apartment from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ( the Previous Landlord ). The lease term ended on XX/XX/XXXX. Before the lease expired, I was actively considering whether to renew or vacate the apartment and engaged in renewal discussions with the Previous Landlord through late XX/XX/XXXX. During that time, I made multiple good-faith attempts to obtain clear renewal terms and determine whether any negotiation or flexibility was available, but did not receive timely or clear responses from the leasing office. I later learned that XXXX, who appeared to be involved in the leasing communications, was an AI-agent rather than a human representative. Because the renewal communications remained delayed and unresolved into late XX/XX/XXXX, I was unable to make a final decision sooner and provide earlier non-renewal notice. Once it became clear that renewal would not proceed on acceptable terms, I provided written notice of non-renewal on XX/XX/XXXX, approximately 30 days before the lease ended. I vacated and surrendered the apartment on or about XX/XX/XXXX, in clean and proper condition. I have photographs documenting the apartments move-out condition. Despite my good faith notice and timely surrender of the apartment, the Previous Landlord asserted an additional balance for rent, late fees, and utility charges, including water/sewer, electricity, and gas charges for XX/XX/XXXX totaling {$3100.00}, after I had already vacated the apartment and no longer occupied the premises. The Previous Landlord then referred the disputed balance to Fair Collections & Outsourcing , Inc., a third-party collection agency. I formally sent a written dispute of charges to XXXX XXXX XXXX XXXX XXXX XXXX via email on 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 explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reviewed my available records and found no evidence confirming this account as mine.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Sent via Certified Mail To : XXXX XXXX XXXX XXXX XXXX RE : Request for Investigation Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally request an investigation pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i. After reviewing my consumer credit report, I have identified information that requires verification. I am requesting that your agency conduct a reasonable investigation of all disputed information and ensure compliance with all requirements imposed by the Fair Credit Reporting Act. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information and complete that investigation within thirty ( 30 ) days of receipt of this dispute. If any information can not be verified through your investigation, the FCRA requires that such information be deleted, modified, or otherwise corrected. Please provide each furnisher of the disputed information with all relevant information regarding this dispute and require them to substantiate the accuracy and completeness of the information being reported. If any furnisher can not provide competent evidence supporting the information reported, I request that the information be removed from my consumer file immediately. Furthermore, pursuant to the FCRA, I request that all unverifiable, inaccurate, incomplete, or unsupported information be deleted from my credit report. If any item is verified, please provide the method of verification used, including the name, address, and telephone number of the party contacted during your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon completion of your investigation, please provide me with : 1. A copy of my updated consumer credit report. 2. The results of your investigation. 3. The method of verification for any information that remains on my report. 4. Identification of each furnisher that verified the disputed information. I have enclosed copies of my government-issued identification, Social Security card ( or SSN verification ), and proof of address to verify my identity. Thank you for your prompt attention to this matter. I expect full compliance with the Fair Credit Reporting Act and completion of your investigation within the statutory time period. Sincerely, -- - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was targeted by a sophisticated Bank Imposter Scam on XX/XX/year>XXXX XXXX XXXX The criminals spoofed the official Wells Fargo telephone number txt massage and email I received stating its actually Wells Fargo even calling the phone # before doing anything was Wells Fargo answering info so it was legit and they answer it!? They impersonated bank fraud investigators and gave me an urgent warning that my account was being hacked. And I need to transfer my funds to safeguard in the amount of {$3400.00}. They instructed me to transfer funds via XXXX to the email they gave me. They didnt even ask for the codes they have send me via Wells Fargo XXXXXXXX XXXX XXXX that I was always got txt Because they completely falsified their identity as the bank itself, my authorization was entirely compromised by deception. I am requesting that you note this explicitly as a 'Bank Imposter Scam ' they had all info on my bank accounts and saving. Had all bank info. as soon as it was completed the XXXX XXXX they hung up. And I called a minute after to Wells Fargo fraued department to stop it. I have claim # XXXX This is my first time doing a fraud dispute. It was Wells Fargo identity theft and not secured as I excepted from my bank with a long time clean history.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: OH

Complaint narrative:
I am a consumer who recently suffered unemployment hardship. I negotiated a 50 % debt settlement with Mine ( Fizz ). Because of banking mismatches, the payment date missed, and Mine automatically voided the settlement. I explicitly turned off auto-pay in the app to control my limited funds. Mine 's automated system then overrode my settings and aggressively swept my entire checking account for the full original balance without my consent. When contacted, Mine customer support refused a refund, stating they had the right to bypass my disabled auto-pay settings simply because the balance was overdue. This is a severe violation of preauthorized electronic fund transfer laws. My bank has issued a provisional credit, and I am requesting that the CFPB order Mine to cease collections, accept the dispute, and close this account permanently.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am requesting assistance regarding the reporting of a 90-day delinquency on my federal student loans serviced by Aidvantage. For a significant period, my loans were enrolled in an Income-Driven Repayment plan with a required payment of {$0.00}. Following recertification, my payment obligation changed to approximately {$44.00} per month across three loans. I was unaware that my required payment had changed. As a result, I fell behind on the loans without realizing payments were due. Upon learning of the issue through a credit monitoring alert, I immediately contacted Aidvantage and promptly brought the loans current. I am not alleging that Aidvantage intentionally acted improperly, nor am I claiming that the account records are necessarily inaccurate. However, the delinquency arose from a transition from a {$0.00} IDR payment to a required monthly payment, and the resulting reporting had a substantial impact on my credit profile. Prior to this event, I maintained a strong repayment history and a credit score of approximately XXXX. Because the delinquency was reported on three separate loan tradelines, my credit score decreased by approximately XXXX points. I am requesting that Aidvantage conduct a goodwill review of the reported 90-day delinquency and evaluate whether any relief or adjustment is appropriate given the circumstances, my prior payment history, and my immediate action to bring the accounts current once I became aware of the issue. I would appreciate a thorough review by a department authorized to evaluate credit reporting concerns and goodwill adjustment requests. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am filing a formal consumer protection complaint regarding an auto loan originated through Fifth Third Bank via XXXX XXXX ( XXXX, KY ) .During finance negotiations, I explicitly agreed to a XXXX loan term. The dealership unilaterally altered the contract terms to XXXX months without my consent.When I asked the XXXX XXXX, they said it was because of the " XXXX '' warranty. They offered me this warranty, but I told if the cost can be lower, he lowered the cost but I did not know that my terms will be XXXX months.The manager then offered me a {$380.00} cash bribe to drop the issue since they said there is nothing I can do as the loan has been already processedI have {$6500.00} in total equity tied up in this transaction ( {$3000.00} cash down payment and a {$3500.00} trade-in vehicle ). I refuse to be bound to a fraudulent, packed contract with Fifth Third Bank. I request that Fifth Third Bank investigate this specific merchant file, audit the loan origination data submitted by XXXX XXXX, and mandate that the contract either be rewritten to a clean XXXX term with the warranty removed, or allow the entire fraudulent deal to be unwound with a full return of my {$6500.00} equity.

Company response to consumer: Closed with explanation