vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
My loan was transferred from XXXX to Select Portfolio Servicing and I was in the middle of a loan modification process with XXXX. My mortgage ultimately went into foreclosure due to the multiple transfers of my mortgage. I was also involved in class action suits that provided me with no restitution. My life is still in the process of being recreated due to the financial ruin that I have experienced. My health and my financial security have been deeply affected by this foreclosure that happened in XXXX. My loan was originally with XXXX XXXX than transferred to XXXX XXXX then transferred to XXXX then transferred to Select Portfolio Servicing. I worked so hard to try and pay a bad mortgage that cost me my financial security. I was recently involved in an XXXX XXXX XXXX Claim # XXXX and received {$60.00}. I have no understanding the dishonest practices that have taken place between XXXX and Select Portfolio Servicing, but I have decided that I will be seeking restitution for the dishonest practices that have taken place over the last 10 years. Select Portfolio Servicing ( SPS ) has faced numerous lawsuits and regulatory scrutiny alleging, among other issues, illegal foreclosure practices during pending loan modifications, failure to respond to qualified written requests, overcharging interest after foreclosure, and operating unregistered branches. These actions have resulted in class-action settlements and findings of violations under regulations like the Real Estate Settlement Procedures Act ( RESPA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
The mortgage company issued a check to me in XXXX. The check was supposed to be delivered on XX/XX/XXXX, but I never received it. On XX/XX/XXXX, the check was stolen, altered, and fraudulently deposited by an unknown person. 
On XX/XX/XXXX, after not receiving the check, I contacted the mortgage company and was informed that the check had already been deposited and altered. Since that date, a bank fraud investigation was opened. 
I filed a police report, which includes video evidence identifying the person who stole the check. I also submitted a completed Affidavit as requested. 
As of XX/XX/XXXX, I have not received any resolution, timeline, or written response. The only response I receive is that I have to wait. 
This stolen check is urgently needed to pay for home construction costs. Because the mortgage company has not reissued the check, the construction of my home is currently on hold, causing financial harm. 
I am requesting that the mortgage company promptly reissue the check while the fraud investigation continues, and confirm in writing that my account and credit will not be negatively affected.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I must emphasize how profoundly frustrating and debilitating this situation has become. One day, I awoke to discover a debt that I know nothing aboutan unverified obligation that is not mine in any way. I have been subjected to relentless harassment across multiple communication platforms, employing various tactics, and I never imagined starting my day with threats of legal action. As a law-abiding citizen, this is deeply insulting, as it blatantly violates my consumer rights. The impact on my mental health has been severe, leaving me with sleepless nights for days on end.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year>. I made a misdirected wire due to an outdated store XXXX. through Bank of America. Item # XXXX to XXXX XXXX for the amount of {$44000.00}. 
I called my Bank which is Bank of America and started a claim on XX/XX/year>. Claim # XXXX. Bank of America stated that they had the information the funds went to a wells fargo account and they will tried to recover the funds from wells fargo. Approximate XXXX days later I received a letter stating the XXXX XXXX denied the claim to recover the funds and for the reason they were unable to approve my claim XXXX Thursday XX/XX/XXXX I contacted I contacted bank of america XXXX ask them to provide me with the documents they relied on making the determination. Including the receiver 's contact XXXX. They agree on sending me these documents within XXXX hrs. Today is Tuesday XX/XX/XXXX and I have not received the documents.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
This is XXXX of the emails that was sent to me We understand you do not want to resolve your debt. In this case, we have no choice but to turn this matter over to our attorneys within XXXX hours so you can deal with them. If you change your mind, please call us back within XXXX hours. 

Thank you XXXX XXXX. 

XXXX. 

I never said that I would not pay the debt. Also talked to the XXXX XXXX today and she was really rude. XXXX talked me and made threats of sending to attorney as well. Did not care what I had to say. I offered to pay XXXX right now and she was just really nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX XXXX regarding my auto loan. During that call, I was specifically instructed by a Santander representative that if I made the XXXX payment, two months of payments would be moved to the back of my loan. I relied on this information and made the payment as instructed.

After making the payment, I contacted Santander again to complete the process. At that time, I was informed that Santander could not honor the agreement and that only a payment extension was available. This was not what was agreed to on XX/XX/year>. 
I escalated the matter to a supervisor, who confirmed that the original agreement is documented in the account notes, yet Santander is refusing to honor it.

I made the payment in reliance on Santanders representations, and I would not have made the payment had I been provided accurate information. Santanders refusal to honor what their agent promised constitutes misrepresentation and has caused financial harm.

What I want resolved : I am requesting that XXXX XXXX XXXX : Honor the original agreement documented in the account notes by moving the two payments to the back of the loan as promised, OR Provide a written explanation as to why Santander is refusing to honor an agreement made by its representative and documented on my account.

I am also requesting confirmation that this issue will not negatively impact my account standing or credit reporting.

I held up the end of my deal, they need to follow through with what was promised and said. Santanders refusal to honor what their agent promised constitutes misrepresentation and has caused financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Product : Credit Card Company : Digital Federal Credit Union ( DCU ) Complaint : I am filing a complaint regarding DCUs handling of a credit card application and their contact and identity verification process.

On the date of my application, DCU placed a hard inquiry on my credit report. At approximately XXXXXXXX XXXX, DCU attempted to contact me by phone. I missed the call. At approximately XXXXXXXX XXXX, I received an email from DCU stating they had questions regarding my application and requesting that I return the call. No deadline or response window was provided, other than general office hours. 

Within minutes of that email, DCU issued an adverse action notice denying my application due to inability to contact me or verify my identity. 

I returned the call the within minutes, successfully verified my identity, and was informed that despite verification, the application had already been closed and I would be required to submit a new application. DCU refused to reopen or reconsider the original application. 

My concern is that DCU : Performed a hard credit inquiry Made a single contact attempt Issued a denial within minutes without providing a reasonable opportunity to respond Required a new application despite successful same-day identity verification This appears to be a premature adverse action based on internal timing rather than an inability to verify identity, and it exposes consumers to unnecessary credit inquiries without a fair opportunity to complete the application process.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have suffered a robbery on my house and my cashier check for {$19.00} that are not cashed yet for me are stolen on this situation so I have called and the bank not offer or not understand that need to cancel this check and please reissued a new check to my same address on file, so my unique concer is just report the stolen check number XXXX and need from our side to cancel this check for avoid to other people trin to cash out or make somethin bad with the check, so please need attention on this and your cooperation please!

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
JP Morgan Chase is reporting a Collection in the amount of {$13000.00} to the various credit bureaus for Account Number XXXX XXXX XXXXXXXX that was not my credit card account. 

I dispute this debt. I was an authorized user only and am not legally responsible for payment. The primary cardholder is deceased. Please remove this account from my credit report. 

The account belonged to my father XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX, who has been deceased for XXXX  years. I was simply added as an authorized user when my father had been diagnosed with XXXX and was hospitalized and in my hospice care. 

I never signed any agreement for this account and I want it removed from XXXX, XXXX  and XXXX XXXX at XXXX 

regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The mortgage company would not return my escrow overage from 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 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am disputing the alleged Optimum account ending in XXXX, which is being reported by Credence Resource Management , LLC. I disputed this account in writing on [ date ] and requested verification under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including proof that the debt exists, the original creditor, itemized charges, the original contract, and Credences authority to collect.

Despite my dispute, Credence reported this account to the credit bureaus without verification, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). As a result, my credit score dropped XXXX points, causing financial harm and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I am filing a complaint regarding Affirms internal classification of a paid loan as charged off, which has permanently prevented me from using Affirm, despite my credit report reflecting the account as Paid/Closed with no late history. 

My loan with Affirm was processed on XX/XX/year>. I made payments during the life of the loan, including payments on XX/XX/year> and XX/XX/year>, and paid the remaining balance in full on XX/XX/year>. 

Affirm has stated that the loan was charged off due to being 120 days delinquent. However, Affirms own policy states that a charge-off occurs after 120 days of nonpayment. I made and had accepted payments within the alleged XXXX period, meaning there was not a continuous XXXX period without payment activity. 

Affirm has acknowledged that payments were made, but claims they were applied to older due dates, and therefore still considers the account charged off. While I understand how payments XXXX be allocated internally, the fact remains that payment activity did occur within the XXXX window referenced in their policy. 

Importantly : The loan is fully paid. 
My credit report reflects the account as Paid/Closed and never late. 
Despite this, Affirms internal classification continues to block me from accessing Affirm services more than XXXX years later. 

This appears to be a system-based aging or allocation issue that is inconsistent with Affirms stated charge-off policy and results in ongoing consumer harm despite full repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Foris DAX, Inc.

Complaint narrative:
I am reporting ~ {$2000.00} in unauthorized fraudulent charges from merchants in XXXX ( shell companies 'Razelnowfashion ' and 'Dizmoqul ' ). I was physically located in XXXX at the time, making these transactions physically impossible. 

I researched these companies and found through XXXX lookup that they are connected, and their websites don't even have a checkout page. XXXX of them is a " services '' company for computer repair ... in XXXX. Again, without a payment or cart feature on their page. 

Technical Failures : The merchants did not utilize XXXX Secure ( XXXX XXXX ) or Address Verification ( AVS ). 
Regulation XXXX Violations : The bank ( XXXX XXXX ) is failing to follow Regulation XXXX error resolution procedures. They have ignored my technical evidence and attempted to coerce me into waiving my future legal dispute rights as a condition for unblocking my card. I am requesting immediate provisional credit while the investigation continues

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
i went to renew my cd at pnc bank, was told the interest was {$22.00} which was wrong on a XXXX cd. was advised that they had made a mistake and i would have to see bank XXXX. went back when he was there he told me he would file a complaint i was to have called a few days later no return call went back to pnc today and was told by XXXX the complaint was no good i asked why he did not know i asked to get my {$15000.00} and was told that if he did that i could not file a complaint i am not going to give up my interest the bank is at fault i would like someone to look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX McCarthy, Burgess & Wolfe Re : Alleged Debt XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX  To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Please note that this request is not an acknowledgment of liability nor an admission that I owe this debt. 
Please provide the following documentation : The name and address of the original creditor, and the original account number ; Verification of the amount claimed, including a complete itemization of the balance and an explanation of how the amount was calculated ; A copy of the original signed contract or agreement bearing my signature that created the alleged obligation ; Documentation showing that McCarthy, Burgess & Wolff has legal authority to collect on this account, including a copy of the assignment or chain of title from XXXX XXXX XXXX XXXX XXXX XXXX ; The date of the last payment and the date of charge-off, if applicable ; Proof that this debt is within the applicable statute of limitations for collection in my state.

Until this information is provided, you are required under federal law to cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency. 
If this account is currently being reported to XXXX, XXXX, or XXXX  without proper validation, such reporting may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Please provide the requested validation in writing. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX ( this letter was send on XX/XX/XXXX ) however today I received many more calls )

Company response to consumer: Closed with explanation