vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Select Portfolio Servicing ( SPS ) and the handling of my mortgage loan, active loss mitigation review, foreclosure activity, and the accumulation of fees and charges caused by SPSs servicing conduct. I applied for mortgage assistance and was approved for a XXXX XXXX XXXX in XXXX. I successfully made all required trial payments. SPS later sent me a permanent XXXX XXXX Loan Modification Agreement . The modification agreement was signed, notarized, emailed, uploaded to the SPS portal, and mailed using a shipping label provided by SPS. SPS extended the deadline to XX/XX/XXXX. I mailed the signed agreement on XX/XX/XXXX using SPSs own provided shipping label. Any delivery delay was caused by the carrier and was outside my control. Despite this, SPS later claimed the agreement was received too late and attempted to restart the process instead of honoring the modification. SPS also acknowledged receiving copies of the signed agreement electronically. Since then, SPS has continued foreclosure activity while simultaneously stating my account remains under review, escalated, or assigned to additional departments. SPS representatives repeatedly instructed me by phone to make certified payments but refused to provide clear written confirmation that : foreclosure would be paused, payments would be properly applied, or the loan modification process would continue safely. SPS also failed to provide consistent written communication through email or the online portal and repeatedly directed me to call instead of responding in writing. In addition, I received foreclosure postponement notices that appear substantially delayed. XXXX trustee sale postponement notice was dated XX/XX/XXXX, but the envelope postage reflects mailing on XX/XX/XXXX, and I did not receive the notice until XX/XX/XXXX. SPS and its foreclosure counsel continued sending delayed and inconsistent communications while foreclosure proceedings remained active. SPS has postponed the foreclosure sale multiple times while continuing to add late fees, default-related charges, legal fees, foreclosure fees, inspection fees, and other servicing charges that could have been avoided had SPS properly processed and honored the signed modification agreement and provided clear written instructions. I believe SPSs conduct constitutes : unfair and deceptive servicing practices, inconsistent and untimely communications, improper foreclosure activity during active loss mitigation review, and the improper accumulation of fees caused by SPSs own servicing failures and delays. I am actively attempting to save my home and resolve this matter in good faith. I am not refusing to pay my mortgage. I am seeking a fair opportunity to complete the modification process without continued foreclosure pressure, confusion, and unnecessary fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: WA

Complaint narrative:
On XX/XX/year>, I was charged {$1600.00} by XXXX, a XXXXparty hotel booking broker based in XXXX, for an XXXX stay at a XXXX hotel in XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). Due to the outbreak of armed conflict in the XXXX XXXX, my airline cancelled my flights and issued a full refund per XXXX. DOT regulations. It was physically impossible to reach XXXX. I contacted the hotel directly. The hotel 's Assistant Reservation XXXX sent XXXX emails ( XX/XX/XXXX and XX/XX/year> ) explicitly waiving the cancellation penalty and directing XXXX to cancel the booking free of charge. XXXX refused. They demanded I accept a 100 % penalty through their portal and refused to guarantee reimbursement. On XX/XX/year>, XXXX emailed admitting that even if the hotel approved the full waiver, XXXX would " proceed with the refund after deducting our applicable cancellation fees '' meaning XXXX intended to pocket a portion of a refund the hotel fully authorized. No services were ever rendered. I filed a billing dispute ( Ref. XXXX ). I submitted the hotel XXXX 's written waiver, the airline 's cancellation confirmation, and the full email thread showing XXXX 's refusal. First denial : American Express sided with the merchant, stating the booking was non-refundable. The reviewer did not address the hotel 's written waiver or the fact that no services were rendered. I appealed with new evidence : XXXX 's XX/XX/XXXX email admitting fee interception. Second denial : American Express parroted XXXX 's new argument that " the hotel 's policy does not apply '' because the booking was through a third party. American Express did not address : ( XXXX ) that XXXX 's own emails instructed me to obtain hotel authorization, contradicting their claim to Amex that it is irrelevant ; ( XXXX ) that XXXX admitted it would withhold a portion of any supplier-authorized refund ; ( XXXX ) that no services were rendered for the {$1600.00} charge. American Express failed to conduct a meaningful review of the documented evidence across XXXX rounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Between approximately XX/XX/year> to XX/XX/year>, a series of small, repeated debit card charges from XXXX XXXX were made to my account, totaling about {$2500.00}. These were not a single intentional purchase, but a rapid pattern of micro-transactions occurring within a short period of time. I did not knowingly or meaningfully authorize this volume of transactions or the total amount charged. The nature of the app made it unclear that real money was being charged repeatedly, and the transactions quickly accumulated without my full awareness or intent. After discovering the total amount, I immediately contacted my bank and filed a dispute. I explained that these charges were not meaningfully authorized and raised concerns about misleading or unintended in-app purchase behavior. The bank denied my claim, stating that the transactions were authorized. However, the bank did not appear to adequately evaluate whether there was meaningful authorization for each individual transaction, especially given the rapid sequence and cumulative total, as required under Regulation E. I am requesting a proper reinvestigation into these transactions, including a review of whether each charge was clearly and knowingly authorized. -

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: OK

Complaint narrative:
* * Complaint against Credit Karma XXXX XXXX ) * * I am filing a complaint regarding funds being withheld after my account with Credit Karma was closed. My account was closed by Credit Karma, and I had a remaining balance of over {$4000.00}. I was told that a check for my remaining balance was mailed to my confirmed correct address on XX/XX/year>. As of today, I have not received the check. It has been well beyond the stated 714 day delivery window. I have contacted Credit Karma multiple times, and each time they confirm my address is correct but continue to tell me to wait, without providing a resolution. I am requesting the following : * A full investigation and trace of the original check * Immediate cancellation of the original check if it has not been cashed * Immediate reissuance of my funds, preferably via electronic transfer instead of mail This delay is unacceptable, and I am concerned about the status of my funds. I need immediate action to recover my money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The account below I did not open. I'm in the process of getting a home loan and I had to pay this balance off in order for my home loan to be approved. I have paid this balance in full and this account should be updated paid in full. In addition, it should be deleted from my credit report per collection agency. Thank you for your prompt in this matter TRANSWORLD SYSTEM INC/ Account number XXXX Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

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 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
Complaint Against SoFi Filed with the Consumer Financial Protection Bureau ( CFPB ) I am submitting this complaint regarding the mishandling of my account, a mobile check deposit, and the restriction and pending closure of my account without clear explanation or fair treatment. On XX/XX/year>, I deposited a check via mobile deposit. The funds were initially reflected as posted in my account, then removed without explanation, and I was later told they would be available on XX/XX/year>. Despite multiple attempts to obtain clarification, I was only provided with repeated, generic responses that failed to address why the funds appeared and then disappeared. The situation has now escalated further. My account has been restricted and is currently pending closure. At this time, the funds from the deposited check are now reflected in my account, yet I am unable to access them due to the restriction and pending closure status. I have not been given a clear or specific reason for : - Why my account was restricted - Why my account is pending closure - What steps are required to resolve this issue - When or how I will regain access to my funds Additionally, my interactions with customer service have been inadequate and inconsistent. My questions have not been answered directly, and I have repeatedly received the same scripted responses regardless of the concerns raised. The guidance I have received has also been contradictory, including being advised to cash a check elsewhere after being told the deposit could not be canceled. This pattern of behavior reflects a lack of transparency, inconsistent handling of my account, and unfair treatment in resolving a legitimate banking issue. This situation raises serious concerns regarding : - The accuracy and reliability of account balance reporting - The handling and disclosure of mobile check deposit activity - The justification and communication of account restrictions and closures - My ability to access funds that are currently being held in my account I am requesting the following : XXXX. A clear and detailed explanation for the restriction and pending closure of my account XXXX. Confirmation of the status and availability of my deposited funds 3. Immediate clarification on how and when I will receive access to my funds XXXX. A detailed explanation of why the funds were posted, removed, and are now present again XXXX. A defined timeline for resolution and release of my funds This issue has caused significant financial disruption, and I have made multiple good-faith attempts to resolve it directly with SoFi without success. I am requesting a prompt investigation and immediate resolution to ensure I regain access to my funds. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: FL

Complaint narrative:
XX/XX/year>, {$2200.00}, money lion send me an account closure after I filled a dispute due to some mistake transaction but ever since my money became available I cant access my account because of the closure and I contact money lion service several times they refuse to reinstate my account

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 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Around XX/XX/XXXX I got a call from Credit stone services saying I owe money for a Medical bill for when I went to the hospital in XXXX of XXXX, and my parents paid for it through insurance and out of pocket. Then they tell me that I owe {$450.00} and they mailed me and emailed me about it in the past but never saw it in either. So I paid it off and requested for a letter of claim so I could see proof that I owed money, they have never sent me that letter of claim and I call back once again requesting for that and they never have sent it to me. Its been about XXXX weeks never heard anything from them I constantly check my mail waiting for it but it has never shown up in my mail or email. So they have have broke the FDCPA and I told them if I dont receive anything by XXXX I would dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I made XXXX transfers from my CashApp account totaling {$5200.00} USD to purchase XXXX which was then sent to XXXX an offshore XXXX casino that is explicitly illegal in the United States. I was deceived into using this platform through paid influencer campaigns on XXXX and XXXX that portrayed XXXX as a legitimate regulated casino. I was not informed that XXXX is prohibited from operating in the XXXX and holds no XXXX gaming license. CashApp processed all XXXX transactions without any warning, flag, or notification that funds were being sent to a known illegal offshore gambling operation. XXXX and its parent company XXXX XXXX have been formally investigated and documented as a fraud operation by XXXX ( XX/XX/XXXX ). I have filed complaints with the FBI Internet Crime Complaint Center regarding this matter. I am requesting that CashApp investigate these transactions, flag the associated XXXX wallet addresses connected to XXXX, and issue a refund of the {$5200.00} lost to this illegal offshore operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: MO

Complaint narrative:
I received a letter from Chase on XX/XX/XXXX that if I spent XXXX in the first XXXX months of opening an account that they would give me XXXX bonus points. I called several times and was assured that I spent that amount within the timeframe and would receive the points, but I never did. I then sent chase 's points department a message on XX/XX/XXXX, along with a copy of the offer letter they sent me, asking why I could not have the points they offered in their letter. They responded saying that they could not give me the points because they were not offering that many points at that time. I then called and the representative stated that in the notes it said that the XXXX points was a typo. I was never informed of this before I spent the money. Then today, I get a letter in the mail dated XX/XX/XXXX stating that the offer for XXXX points has not been a valid offer since XXXX of XXXX. I would have never spent XXXX on this card if I had known they would not honor their letter. I spent this money for nothing. In my opinion, this was a bait and switch. They got me to spend the money with the promise of XXXX points and I then said I could not have the points. If it was a typo they should have informed me of that before I spent the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: IL

Complaint narrative:
Im receiving emails from Unifin about having debt in collections. I do not have any unpaid debt that would be in collections. They are also only contacting me on the the birth date of my children so far and that makes me feel like whoever this is is threatening my childrens life. I have attempted to view the info on the unifin web sight but am unable to load the page so I hope I didnt get any malware from visiting the sight or clicking on the links.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
My Cash app account was taken over. Original cash tag was. $ XXXX someone changed it to XXXX XXXXXXXX new name on the account is XXXX XXXX XXXX They stole {$1500.00}. I am currently homeless because of it in Cash App its being of no help at all telling me its still under investigation but it has been well over XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX, CA XXXX Re : Account No. XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. This includes, but is not limited to : Telephone calls ( home, cell, or work ) Text messages Emails Letters or any other form of contact You may only contact me to : 1. Confirm that no further contact will be made, and/or 2. Notify me of any specific legal remedies you intend to pursue. Be advised that any further communication outside of these exceptions will be considered a knowing violation of federal law, and I am prepared to document and report such violations to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursue legal action if necessary. Additionally, this letter is not an acknowledgment of liability for this debt, nor is it a refusal to pay. I reserve all rights under federal and state law. Please govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I reached out formerly requesting to have my XXXX XXXX XXXX XXXX SCRA benefits applied to my previously paid off loan. They said that the account doesnt qualify for the SCRA . But both XXXX law states all debts be capped at XXXX % including all obligations and liabilities and incurred during active service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A certified letter was previously re-sent to the creditor and the credit bureaus regarding this matter. My original complaint with the Consumer Financial Protection Bureau ( CFPB ) was submitted in XX/XX/XXXX, and a follow-up certified letter was sent on XX/XX/XXXX. To date, I have still not received a proper response, investigation outcome, or acknowledgment regarding the disputed account. The only account that received a response and subsequent deletion was XXXX XXXX XXXX, Account Number : XXXX, with a company response dated XX/XX/XXXX. However, no response, verification, or resolution has been provided regarding the disputed account for XXXX XXXX XXXX, Account Number : XXXX, in the amount of {$15000.00}, which was first reported on XX/XX/XXXX and referenced under CFPB Report # XXXX. Due to the lack of response, verification, or acknowledgment from my initial complaint and supporting documentation, I was led to reasonably believe that this matter would be resolved and the account deleted from my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, I have the legal right to obtain full disclosure of all information contained within my consumer report and file, including the sources of such information. Additionally, under XXXX U.S.C. XXXX and XXXX U.S.C. XXXX ( b ), consumer reporting agencies are required to conduct reasonable investigations and follow reasonable procedures to assure the maximum possible accuracy of all information reported. The continued reporting of unverifiable, inaccurate, or undisclosed information despite prior disputes, certified correspondence, and supporting documentation raises serious concerns regarding compliance with the FCRA. Such conduct may constitute willful and/or negligent noncompliance under XXXX U.S.C. XXXX and XXXX, which may subject the responsible parties to civil liability, statutory damages, actual damages, attorneys fees, court costs, and other remedies available under federal law.

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