vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have an FHA mortgage serviced by Newrez. Beginning XX/XX/XXXX my property taxes increased about {$5000.00} annually. After Newrez conducted an escrow analysis, my monthly payment increased from about {$1800.00} to about {$4300.00}. Actions taken by me-Homeowner XX/XX/XXXX I notified Newrez that XXXX XXXX of XXXX allows taxpayers experiencing hardship to use a pre-delinquency tax payment program that permits flexible payments during the quarter as long as the tax balance is paid by the due date. I provided documentation of this program to Newrez. The request to utilize this option was denied without explanation. I then requested that the escrow shortage be spread over XX/XX/XXXX months rather thanXX/XX/XXXXmonths. Newrez publicly states that extended escrow repayment options XXXX be available up toXX/XX/XXXX month. This request was also denied without explanation. XXXX concerns Regulation X ( XXXX CFR XXXX ) allows escrow shortages to be collected over at least XX/XX/XXXXmonths. The rule establishes a minimum period and does not prohibit longer repayment schedules. The current structure created severe payment shock by increasing my payment from about {$1800.00} to about {$4300.00}. This loan is insured by the XXXX XXXX XXXX and subject to servicing standards issued by the U.S. Department of Housing and Urban Development requiring servicers to take reasonable steps to avoid borrower default when hardship exists. What I am requesting Approval of a XXXX escrow shortage repayment plan. To be allowed to participate in the township hardship tax relief payment option Review of this account by Newrez executive or FHA servicing compliance.

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 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: OH

Complaint narrative:
I cosigned for an apartment for my daughter.XX/XX/XXXX months after she moved out and had completed a walk through with no complaints we received a bill from IQ DATA INTERNATIONAL. We never received any communication from the apartment owner that this bill was owed. The bill I was told by IQ DATA INTERNATIONAL was for cleaning and repairs. I have not received any copy of this bill and my daughter was told in the walk through that everything was fine. I have sentXX/XX/XXXX letters to IQ DATA INTERNATIONAL requesting a copy of this bill with no response. The first letter was sent on XX/XX/XXXX, the second letter was sent on XX/XX/XXXX. Both letters were sent certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am extremely disappointed with my experience at the Wells Fargo in XXXX XXXX. On XX/XX/year>, I received a settlement check and went to this location to deposit it. Before I even received the check, I called Wells Fargo because I had just opened my account online and wanted to make sure everything would go smoothly. A note was added to my account. When I went into the branch, I worked with XXXX. I explained my situation to him and he knew my account was new. The only transaction on my account before that was a XXXX from my fianc. I deposited the check with him and he told me to give it a few days for it to clear. Then on XX/XX/XXXX, with no warning, my account was suddenly closed due to fraud. No one could give me an explanation. I was told the back office closed it and they dont have to provide any information. I was told to wait until XX/XX/XXXX to receive my money by mail. On XX/XX/XXXX, they told me the investigation was being extended. They then claimed the XXXX transactions were suspicious, even though that was the only activity on my brand new account. I went back to the XXXX XXXX branch and asked to speak to XXXX again. He acted like he didnt remember me or the large check I deposited just XXXX weeks earlier. I asked to speak to the manager. He called the back office, they repeated the same thing, and he hung up without asking any real questions. Then he told me he tried to figure out what was going on, which wasnt true because I was standing right there. No one did anything to help me. I even escalated the issue and spoke with XXXX from the Executive Office. He told me he would try to help me. A few days later, he called me back just to say there was nothing he could do and that I would have to wait until XX/XX/XXXX. I waited like he said. When I was told on XX/XX/XXXX that the investigation was being extended again, I immediately called him. He sounded upset with the back office and told me he would get back to me but he never did. At this point, it feels like no one at this bank actually cared or made any real effort to help me. I was told again to wait another XXXX weeks and that my account would officially close on XX/XX/XXXX. When I called on XX/XX/XXXX, the line was busy all day and I spent hours trying to get in contact with someone. I also called XXXX and he did not answer. This has been extremely stressful and a huge inconvenience. I regret opening an account here. I did everything the right way. I called ahead, went in person, and was transparent about depositing a large check and I was still treated like I did something wrong. Receiving that check brought me happiness and relief, and that was completely taken away by this experience.

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 2026-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Old Republic National Title Holding Co.
State: CO

Complaint narrative:
To Whom It May Concern, I recently received a bill for automobile excise tax from the Town of XXXX. Before addressing that matter, I am requesting clarification regarding the foreclosure and auction of my former home in XXXX, Massachusetts. It is my understanding that the property was foreclosed upon and subsequently auctioned under circumstances that I believe involved irregularities related to the mortgage, title, and foreclosure process. Given the XXXX role in the process, I am requesting the XXXX written response regarding its involvement. Please provide copies of any and all documents, records, correspondence, reports, filings, or internal communications in the XXXX possession that relate to the foreclosure, tax status, lien activity, or auction of my property in XXXX, MA. I would also appreciate clarification regarding the basis for the recently issued automobile excise tax bill in light of these circumstances. Thank you for your prompt attention to this matter. I look forward to your response and the requested documentation. Sincerely, XXXX XXXX P.s. the car is currently registered in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check into my Bank of America account after speaking with a branch manager about the transaction. The manager explained that the system determines whether a hold is placed at the time of deposit and that if a hold appeared they could attempt to verify funds. When the deposit was processed, no hold appeared and I was told the funds would therefore be available at midnight. Based on that information I relied on the funds being available. However, a hold was later placed after the deposit was accepted. Since then I have received multiple conflicting explanations from Bank of America representatives regarding the hold and its release date. I was first told the issuing bank placed the hold. I confirmed with XXXX XXXX that this was not the case. I was then told funds were not available at the time the check was deposited. The check writer confirmed the funds left his account on XX/XX/XXXX and XXXX confirmed the check cleared through the banking system to Bank of America on Monday. I was later told the funds would definitely be released by XX/XX/XXXX at the latest, possibly sooner. When I contacted the bank again, I was told the hold had been extended again to XX/XX/XXXX. At this point Bank of America has effectively had the funds since Monday, yet I still can not access them. Because I relied on the information provided by the bank, multiple scheduled payments have failed. Late fees are accumulating, my auto loan payment is now several days overdue, and I am facing the risk of additional penalties and service disruptions. This situation has caused significant financial hardship and damage despite the funds having already cleared through the banking system. I have been a Bank of America customer for approximately 30 years and have spent many hours attempting to resolve this through customer service and branch staff without success.

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 monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In XXXX XXXX I was online and realized that my available credit went from {$3100.00} down to {$390.00}. I was never informed this was going to happen or that it had happened. I immediately went online and asked for an increase and was denied. I received a letter explaining why my request was denied. On XX/XX/XXXX I wrote a letter explaining my disappointment since I had been a customer since XXXX and never made a late payment to them. I do have high balances on my credit cards but have very few late payments, which exception to a loan I co signed with my husband and " assumed '' he was making the payments. I do understand their company has a right to issue cards to whomever they chose. Yesterday I received a letter they closed my account. It seems they waited until I paid off my balance of {$390.00} and closed it. I feel it was in retaliation of my letter. I have had high credit balances for many years and never had this problem. My credit score according to them was XXXX on letter dated XX/XX/XXXXXXXX and XXXX on letter dated XX/XX/XXXX. Clearly I am working on improving it. I think consumers need to be aware of there deceiving manners. This really is unfortunate because relied on this card to help me with XXXX and XXXX bills on a regular basis. Also I do not want my credit report to show closed by account holder if it is going to negatively affect me.

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 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX,Al XXXX XXXX accordance with the fair credit reporting act this creditor has violated my rights under 15 \nUSC 1681 section 6 o 2 states I have the right to privacy (15USC 1681(section 6 0 4 a section \n2(it also states a consumer reporting agency cannot furnish an account without my written \ninstructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account \nunder an open end consumer credit plan as late for any purposes.. Please remove the \nnegative payment from my credit report.XXXX XXXX XXXX XXXXSincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been attempting to resolve issues with my Bank of America credit card accounts since XX/XX/XXXX. When I learned that I was going to be laid off from my job, I contacted Bank of America immediately to explain my situation and request assistance. At that time my account was still current, and I was trying to be proactive so that I could avoid falling behind. Despite contacting the bank right away and explaining my financial hardship, I was not provided with meaningful assistance. During several phone calls with Bank of America representatives, I was advised to consider debt management programs even though my accounts were still active and I was asking about hardship options directly from the bank. In XXXX, I made a good-faith payment toward both of my Bank of America accounts while continuing to seek help and clarification about hardship assistance. However, the responses I have received from the Bank of America Executive Office have largely consisted of copies of my credit card agreement and statements that they do not offer the assistance requested, without addressing the substance of my hardship situation or the conflicting information provided by their representatives. Additionally, Bank of America has taken extended periods of time to respond to regulatory complaints. These delays have allowed my accounts to become approximately four to five months delinquent despite my repeated attempts to communicate and resolve the issue in good faith. I also can not currently access my account online to review statements, balances, or payment options, which prevents me from properly managing the 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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I am submitting this complaint regarding a collection account recently reported on my credit file by Waypoint Resource Group in the amount of {$290.00}, which was flagged as Unpaid ( D ) on my Equifax credit report. I do not recognize this creditor, have never entered into any contractual agreement with Waypoint Resource Group, and have not received any prior written notice or validation of this alleged debt. At this time, I dispute the validity and ownership of this account in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, a debt collector is required to provide proper validation of an alleged debt upon request. Additionally, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, furnishers of information to credit reporting agencies must ensure that all information reported is accurate and verifiable. Because I have no contractual relationship with Waypoint Resource Group and have received no evidence demonstrating that this alleged debt is valid, their reporting of this account may constitute inaccurate or unverified information being furnished to a consumer reporting agency. Therefore, I am formally requesting the following : Immediate validation of the alleged debt, including the original creditors name, account documentation, and proof of legal authority to collect. Documentation bearing my signature that establishes a contractual obligation between myself and the original creditor. Verification that Waypoint Resource Group has the legal right to collect and report this alleged debt. If such validation can not be produced, I request the immediate deletion of this account from all consumer reporting agencies. Until proper validation is provided, I consider this account disputed and request that the CFPB investigate the reporting practices of Waypoint Resource Group regarding this matter. Thank you for your attention to this issue and for ensuring compliance with federal consumer protection laws. Sincerely, XXXX 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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX, VA XXXX RE : Account Number : XXXX To Whom It May Concern, I am in receipt of your attempts to collect on the above-mentioned account. This letter serves as formal notice that I dispute the validity of this alleged debt in its entirety. I am submitting this complaint regarding Portfolio Recovery Associates , LLC and their collection of an alleged debt that I dispute. I was never properly served with notice of the lawsuit regarding this alleged debt. The documents were sent to an old address where I no longer resided, and I had no knowledge of the legal action being taken against me. I only became aware of this matter after my employer notified me that my wages were being garnished. As soon as I learned about the garnishment, I immediately filed a motion with the court to vacate the judgment due to improper service. At this time, Portfolio Recovery Associates has already taken money from my wages based on a judgment that I did not have the opportunity to defend because I was never properly notified. Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) and the Fair Credit Reporting Act, I am requesting full validation of the alleged debt. Please provide competent evidence that I have a legal obligation to pay your company. Specifically, I request the following documentation : A copy of the original signed contract or agreement bearing my signature. The name and address of the original creditor. A complete payment history beginning with the original creditor. The date of first delinquency. Documentation proving your legal right to collect this debt, including the chain of assignment or bill of sale transferring the account to your company. The charge off statement from the original creditor. Verification that the account is being reported in full compliance with Metro 2 reporting standards. Until such validation is provided, you must cease all collection activities and cease reporting this account to any consumer reporting agency. If this account continues to be reported without proper verification, such reporting may constitute violations of the Fair Credit Reporting Act for furnishing information that is inaccurate, incomplete, or can not be verified. If you can not provide the requested documentation, you must immediately delete this account from all credit reporting agencies and cease all collection efforts. Any further attempts to collect on this alleged debt without proper validation may also constitute violations of the FDCPA. I request that all future correspondence be in writing. Sincerely, XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Zip : XXXX, Ohio XXXX statement from the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AK

Complaint narrative:
After disputing the same debt for almostXX/XX/XXXX years now through all XXXX major credit bueros I was finally given a phone number to call the collector and called and asked for proof of the debt the acct numbers so I could verify with the original company and wasn't given anything. Then I noticed that the debt collector has been reaging the debt to look like a new debt on my credit report for the lastXX/XX/XXXXyears now which is illegal and brought that to the attention of the credit bueros and nothing has been done, the debt has never been proven to be mine Its constantly being reaged and this is all illegal

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I called XXXX XXXX solutions and negotiated my debt down to {$500.00}. I then asked the woman how to pay her and told her I would not use my checking account but I would send a check or money order. She advised me to go and buy a visa prepaid card for {$500.00} to pay them. I did exactly that and they would not take the payment so now I am left with a {$500.00} gift card that was the last {$500.00}. I had to pay this debt and now I can not pay the debt because their company is not visa approved. I want this debt cleared. Wasted {$500.00}. Tried calling the prepaid card to get a refund in check form but they will not return my money. I am stuck, unable to pay this debt because of this company.

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 2026-03-06 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