vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I have been trying to communicate with Shellpoint/ Newrez about my mortgage loan for years. I will start with the first, most current issue. I was behind on my mortgage and notified of a foreclosure date. I was able to get current on my loan in XXXX. Ive been sent notices indicating varying amounts of fees and charges applied to my loan before becoming current on my loan. Ive contacted the legal office, XXXX XXXX XXXX, and spoke to XXXX XXXX to inquire on the appropriateness of these ( legal ) fees. I was unable to receive an answer as to the fees were honest. As recently as XX/XX/XXXX, on my online mortgage acct, I see additional legal costs being applied to my account. As mentioned, I am current on my loan. Over the past several months, I have contacted Shellpoint/ Newrez many times and Im often given very limited information. I was given email addresses to send my queries to. However, when I receive any response to the emails that Ive sent, it states that I have already spoken to a customer service rep. I will include examples to this complaint. I believe that I am being mishandled as a customer by this company. I do believe these charges and fees to be fraudulent. Prior to this, I was awarded my home in a divorce proceeding in XXXX. I contacted the mortgage company at that time to inquire on the steps to remove ex-spouses name from the loan. I was only giving the option from the company to refinance although I had sent them the court order that awarded me the home. Refinancing now and at that time would have cost me more than what I could afford. Years later, XX/XX/XXXX, I learn through XXXX XXXX that theres an option to transfer ownership on my loan. This would remove my ex off the loan. XXXX XXXX owns my mortgage loan and I had reached out to them due to a concern about Shellpoint/Newrez lack of customer support and communication. This has caused me a great deal of grief and frustration. Lastly, I am currently struggling to communicate with Shellpoint/Newrez about my home insurance claim. I had severe hail damage in XX/XX/XXXX. Since this time, I have a claim to have my roof repaired. I have received a check from my home insurance that required an endorsement from Shellpoint/Newrez. This check was mailed off to them and is currently being held hostage by them. I need repairs done in an expeditious manner but Im receiving very little cooperation for reasons I cant understand from Shellpoint/Newrez. This company continues to cause me problems only to be exacerbated by the low levels of communication. I will await a response from this complaint but I fear there will be more to add to it in due time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this response to formally and aggressively dispute your false and unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, and appears to be an intentional tactic to avoid your legal obligations. This dispute was filed directly by me, the consumer, and not by any third party. I am not working with any credit repair organization, credit counseling agency, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Conduct a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : 1. The name and contact information of the furnisher 2. The method used to verify the disputed information 3. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, and repeated non-compliance with federal consumer protection statutes. To eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID and proof of address. You now have no legitimate or lawful reason to deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-and-paste language is unacceptable, unlawful, and a direct violation of your duties 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 explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from Comenity Capital Bank regarding a card I had applied for. Within the letter it stated that there was a freeze on my credit/financial reporting agencies. I contacted all 4 bureaus and confirmed there was no freeze on any of them ( XXXX XXXX XXXX, XXXX ). I have called on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was told to check back daily to see if the application would go through. Each time I was told the freeze was still in place. On XX/XX/XXXX I saw that my XXXX credit score dropped 10 points. The reason being the inquiries made by Comenity Capital Bank, that they repeatedly said were not successful. I called the creditor to ask to have them reversed and was told it was not possible on their end and that I needed to contact XXXX. I contacted XXXX twice and was told the same thing : The creditor is very much able to reverse the inquiries and absolutely should beings there in no freeze on any burea and you were told they were not successful in obtaining your report. I contacted Comenity XXXX XXXX XXXX, and asked to speak to a supervisor and was hung up on. I called again at XXXX XXXX the same day to no avail. I just wanted the inquires removed that they claimed had never gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Ive been with chime bank for XXXX years, and in those XXXX years Ive never used the pay anyone feature. On the evening of XX/XX/year> a substantial amount of money was stolen from me through transfers from my external bank account linked to my chime account using the pay anyone feature. From my personal chime account someone was able to use instant transfers from my external debit card to chime and pay themselves {$1700.00} in small amounts. Starting off with {$250.00}, and a little later {$500.00}. I was not alerted of the transfers and transactions at all. When I notified chime that those were unauthorized transactions they encouraged a password change, but I asked them to freeze my account because my phone with all of my personal information ( bank info, saved logins, ssn, and saved passwords for everything etc. ) was missing, and I hadnt been able to locate it yet. They in fact did not freeze the account, nor did they cancel the debit card, and the thief proceeded to steal another {$850.00} from me. Chime does not want to be held responsible for my losses, and Im not sure why. Ive submitted documentation to prove that it was not me making the transactions. The individual stealing my money or who it is being transferred to is in XXXX and Im in XXXX his name on the account shows as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank has closed a company card with no knowing, or reason. This was a company card I had no access to make payments on, there was a balance and has no hit my personal credit report. I receive no email Communication, payment info, nothing. This needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: WI

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: AZ

Complaint narrative:
This loan was in XX/XX/year>. I am writing regarding my loan account, as I have serious concerns about the terms and charges associated with it. My original loan amount was {$1800.00}, yet my total repayment amount is listed as {$9300.00}. Additionally, I am being charged {$350.00} on a biweekly basis. Upon reviewing my account, I also discovered that the interest rate is effectively 461.06 %, which I was not clearly made aware of at the time of signing. This situation is extremely concerning. I have already paid significantly more than the original loan amount, and the ongoing charges are placing an unreasonable financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
What I can do about a Truist hold on a XXXX loan deposited yesterday, XX/XX/XXXX between XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX check placed on paternalistic hold after ridiculous experience of teller depositing it into the wrong persons account. I am wanting to share my outrage with Truist after my 10-15 years with the bank since the SunTrust days . The XXXX ; XXXX XXXX XXXX loan deposited yesterday, first attempt teller deposited into a strangers account. Second attempt placed on a 10 day hold despite the funds being verified under 24 hours. Customer service unhelpful. Massive negative impact on my life. - I have XXXX XXXX XXXX after a XXXX XXXX, 10 years of XXXX XXXX. I matched into XXXX on the opposite end of the country, XXXX miles away from home. I receive a check from XXXX XXXX, a XXXX loan designed to XXXX XXXX expenses and go in person to deposit it. Despite giving my drivers license and debit card, the teller deposits the check into a different persons account ( same first and last name, different middle name and everything else ). After reviewing my receipt in the car and not recognizing the account number I go into the bank and have it reversed and placed into my account. First - that should never had happened and would have been catastrophic if I didnt catch it. Now Im placed on a hold until XX/XX/XXXX, 10 days from the deposit date. The funds were credited then removed after 1 day of processing because its XXXX XXXX, it isnt from some random person, the funds are readily available from their point. I called, no response other than it is what it is and a formal complaint has been filed. Some good that does. I chatted and they said in a very AI method that they understood my frustration but they are holding the check because at some point during XXXX XXXX I overdrafted despite correcting it and paying the fee in a very timely manner. They then abruptly ended the chat. Truist is essentially punishing me for being poor. Now that Ive struggled my way through academia and have this huge ordeal of relocating and doing all the many things required to gain XXXX XXXX, all of which require lots of money hence the loan, Truist is like sorry? Not good enough. XXXX is time sensitive. All these things need paid for in advance and time to process. Can we just agree this is ridiculous? This is undue hardship and withholding a XXXX loan that I am being charged DAILY INTEREST ON that I cant even use.

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 2026-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In 2025, my Capital One checking account was compromised. I started noticing unauthorized transactions on both my debit and credit cards, which I reported multiple times. During those calls, I was advised by Capital One representatives that my phone might have been hacked and that I should replace it. I followed those instructions and also reported the issue to the credit bureaus. Despite reporting the fraud, my account was not properly secured and the unauthorized activity continued. After that, a fraudulent check was deposited into my account without my authorization. My account was later closed with a negative balance of {$1200.00}. I believed the issue was being handled by the bank since I had reported it several times, but I did not receive a proper resolution or clear communication. Recently, I received a notice regarding this balance, which is why I am filing this complaint. I am requesting a full investigation, as this account was compromised and I should not be held responsible for fraudulent activity. I do not currently have access to my account due to it being compromised. For this reason, I am unable to provide exact dates. However, this occurred approximately last year when I discovered fraudulent activity on my credit and debit cards. At that time, I reported the issue to my financial institutions and credit reporting agencies. I am willing to provide any additional information available from my personal records. I kindly request that you verify the exact dates through your internal records related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Letter ( XX/XX/year> ) attached confirms this company is not considering suing me. They are warning me that if I do not agree to their terms of some accelerated track, they will find an attorney to sue me. It is very clear what this letter implies. Resurgent Capital has been contacted already about condensing the debt they collected and I have already sent them terms. Very simple, provide me with the quote for settlement. That did not happen. They wanted me to make an account and agree to a payment plan instead of a clear end that I was providing. Now this is the second time I've received a letter with a veiled legal threat because the company wants the debt paid a certain way instead of settling it. After a third letter, I will have to look into legal consultation for defending myself against legal threats accelerate me accepting their payment plan. Payment plans are designed to make the company money, not to improve your credit profile. Removing the debt and settling is a way so that the debt can not be bought an sold again. On top of that, The debt they bought from XXXX XXXX might not be correct. So if there is any fees or interest added by Resurgent or LVNV Funding, no negotiation will continue until the debt is recalculated to the updated balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Been trying to get a modification, XXXX rep said modification was approved for a FLEX MODIFICATION see notes, keep track of all faxes, wanted XXXX XXXX XXXX XXXX XXXX XXXX was sent, and have been sending, sent XX/XX/year> 3 times to make sure and on XX/XX/year> to make sure since self employed need bank statments and i circled all the deposit. Called HUD said i qualify, per RESPA modification is my original NOTE RATE not market rate is illegal. Sent in modifcation prior to the 30 day sale date, have faxed multiple times, sent XXXX XXXX XXXX and bank statements. Talked to a bankruptcy trustee said i can file a motion and reopen my case since i had XXXX XXXX and was off 3 months since im a self employed truck driver. I FEEL AM BEING DISCRIMINATED SINCE IM XXXX!!!!!!!!!! No reason not to modify, since was transferred from XXXX XXXX to Rocket been loosing my paperwork thru fax and emails. Already have talked to a XXXX attorney and know what to do and can submit paperwork for XXXX, again due to being XXXX feel that wont modify and being DISCRIMINATED AGAINST. Have proof of all fax and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: MA

Complaint narrative:
I terminated a domestic employee ( nanny ) who had been issued a companion card on my American Express account for employment-related purposes only. Upon termination, her authorization to use the card ended. I was not aware she had retained the physical card. She subsequently made unauthorized charges totaling approximately {$6000.00} after her termination date. I filed a police report when I discovered the charges. I filed a fraud dispute with American Express. The claim was initially approved, but then ultimately denied. The denial letter stated that because I " provided my account number to a merchant, '' I authorized the charges. This reasoning is factually incorrect. I did not provide my account number to any merchant. I issued a companion card to an employee for employment purposes. That authorization was conditional on her continued employment and terminated the moment her employment ended. Any charges made after her termination date are unauthorized by definition. American Express 's own XXXX liability policy covers unauthorized use. These charges are unauthorized use. The denial misapplies their policy by conflating issuing a companion card to an employee with voluntarily providing account information to a merchant. These are legally and factually distinct situations. I called to appeal and was told the case has been reopened. I am filing this complaint to create a formal record and to request that the CFPB ensure American Express properly reviews this claim under the Fair Credit Billing Act and their own XXXX liability policy. I am seeking reversal of the {$4500.00} debit that was applied to my account after the initial credit was reversed. A police report has been filed regarding the unauthorized use of my card by this former employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I am filing this formal complaint against [ Debt Collector/Agency Name ] for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and for refusing to provide legally required documentation after my written request for debt validation. On [ date of your DV letter ], I submitted a timely and proper Debt Validation Request under 15 U.S.C. 1692g ( b ). Despite being legally obligated to cease all collection activity until full validation is provided, the collector has : Failed to provide any of the required original documentation. Continued collection attempts without validation. Provided incomplete, generic, or unverifiable information instead of the original signed contract, full accounting, and chain of custody/assignment. Engaged in behavior that appears deceptive, coercive, and intentionally noncompliant. Specific Violations The collector has violated the FDCPA in the following ways : 15 U.S.C. 1692g ( b ) Continued collection activity without providing proper validation. 15 U.S.C. 1692e Using false, misleading, or deceptive representations by implying the debt is valid without proof. 15 U.S.C. 1692f Employing unfair or unconscionable means to collect a debt. 15 U.S.C. 1692d Engaging in conduct intended to harass or pressure me into paying a debt that has not been validated. Requested Action I am requesting that your office : Investigate this collectors refusal to comply with federal law. Require the collector to produce all original documentation, including : Original signed contract or agreement Complete itemized accounting from {$0.00} to present Proof of ownership or assignment ( chain of title ) Name and address of the original creditor Copies of all statements, notices, and communications Order the collector to cease all collection activity until proper validation is provided. Impose penalties or corrective action for their repeated violations. Summary This collector is attempting to collect a debt they have not proven they own, not proven is accurate, and not proven is legally enforceable. Their refusal to comply with federal law is unacceptable and harmful. I am requesting immediate intervention. I am attaching copies of my original validation request and all correspondence for your review. Thank you for your prompt attention to this matter.

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