vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
Initially I applied for a loan through LoanDepot. Loan # XXXX. The loan was going fine until at the end of the loan, Loan depot advised that I was being required to pay off some student loans debit upon the initiation and or release of the funds. I refused and the loan was canceled. However I acquired a home appraisal and paid the necessary fees through Loan depot to acquire the independent appraisal. Loan Depot never advised me that I allegedly had a balance due for the appraisal. To my knowledge I paid any and all fees in full. My Loan Specialist with Loan Depot did call me and tell me he was able to save me a few dollars with the payment of the appraisal, but never told me I had a balance due or that the appraisal fees were not paid in full. Now since my loan did not happen through Loan Depot, I reached out to other companies seeing if they can aid me in the funding for my home that I desired and ended up with XXXX XXXX XXXX. Although I possess a complete copy of the appraisal, my Loan Specialist with XXXX XXXX XXXX per their policy is requesting that Loan Depot provide to XXXX XXXX XXXX a copy of the appraisal acquired. This request has been pending beyond ( XXXX ) working days and Loan Depot is neglecting to provide a copy of the appraisal that I can move forward with the loan through XXXX XXXX XXXX. I need the appraisal documents for Loan # XXXX to be transferred to Loan XXXX XXXX XXXX XXXX 's email at : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, a natural living being and the secured party and trustee of the XXXX XXXX XXXX, hereby issue this formal Notice of Objection and Request for Verification regarding any and all alleged debts claimed to be owed by me, or any estate or account associated with my name or identifying information. This letter serves as a lawful demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting complete verification and validation of any alleged debt. I have not received sufficient proof that any alleged obligation exists, nor have I consented to the collection or reporting of such alleged debts to any third parties. This Notice serves as my formal declaration that : 1. I do not acknowledge any alleged debt without full verification, including a signed contract or agreement bearing my wet signature. 2. I object to any attempt to collect, report, or assign any alleged debt without proper validation. 3. I reserve all rights under federal and state law, including protections under the Constitution of the United States and the FDCPA.

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 2026-01-07 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: IL

Complaint narrative:
I am filing a complaint about American Expresss handling of a credit card billing dispute. Dispute No. XXXX relates to an XXXX hotel charge for {$1000.00}. The room at XXXX XXXX XXXX had no hot water and near-zero water pressure at check-in on XX/XX/2025, and the front desk confirmed hot water would not return until the next morning. I was on a work trip and checked out within about XXXX hours without using the room. I called Amex immediately ( XXXX XXXX ) and provided evidence. 

Amex reopened the dispute for evidence upload, I uploaded my documentation, and then Amex closed the dispute the next day without any meaningful investigation. I did not receive any written communication explaining the closure or confirming that my uploads were actually reviewed. Amex also previously decided to hold me responsible for XXXX night ( {$270.00} ), which is not acceptable given the undisclosed outage and immediate checkout.

Resolution requested : Full reversal of {$1000.00} and removal of the {$270.00} one-night charge, plus a written explanation identifying what evidence was reviewed and why the case was closed immediately after evidence submission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a timely written dispute and request for debt validation regarding an alleged consumer debt being collected on behalf of LVNV Funding. 

The collector failed to provide proper validation of the alleged debt. Instead, on XX/XX/XXXX, I received a response claiming to provide validation, but the attached documents belonged to an entirely different consumer, including that persons name, address, creditor, and account information. 

This mailing did not contain any documentation validating my alleged debt and instead disclosed the non-public personal financial information of a XXXX  party. 

The company has therefore failed to validate the debt as required and has demonstrated inaccurate and unsafe handling of consumer data. 

I am requesting that this matter be investigated and that the company be required to correct the reporting and collection of this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I am a repeat victim of fraud with XXXX XXXX. They reported me last XXXX for another collection with another collection company called XXXX. Investigation packet was sent police report and fraud affidavit ID included. This was a different account but same company. They failed to check for other accounts that were opened and are now repeatedly placing me in collection. They failed to send me any communication prior to putting me in collection and reported me in collections on my credit report which caused my credit report once again to be ruined. Since they failed to do their job & this keeps happening, I will have to consult my lawyer.

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 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I purchased an e-bike through XXXX XXXX using Affirm. The item is defective and unsafe ( XXXX error, non-functioning throttle ). The merchant refused a return and XXXX closed the request despite evidence. Affirm is refusing to investigate and continues billing me for defective merchandise. I am requesting dispute investigation and billing pause. 

Order number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I made a purchase using my credit card that was inexplicably coded as a cash advance. I did not request a cash advance, nor was the transaction represented to me as one. As a result of this misclassification, I was charged a {$100.00} cash-advance fee. 

Once the transaction posted on XX/XX/year>, I immediately paid the balance in full. Despite my prompt payment and the fact that I did not intend to take a cash advance, I have now been assessed an additional {$8.00} in interest. This interest accrued solely because of the banks coding of the transaction not because of any delay or failure on my part to pay. 

I am requesting that the {$100.00} cash-advance fee be reversed and the {$8.00} interest charge be waived. The banks handling of this matter is unreasonable and punitive, especially given that I paid the balance in full immediately after posting. It is unfair to charge substantial fees and interest for a transaction that was improperly categorized through no fault of my own, and then to profit from that error even after the balance was promptly paid. 

I am seeking the reversal of these improper charges and appropriate correction of the transaction classification.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I bank with Chime, and the transactions referenced below were made using my Chime debit card. 

On XX/XX/2025, I made two separate purchases on a website that I accessed through a XXXX advertisement that appeared to be affiliated with XXXX XXXX. 

The first transaction occurred on XX/XX/2025 at XXXX XXXX for {$35.00} and posted under the merchant name XXXX. The second transaction occurred on XX/XX/2025 at XXXX XXXX for {$31.00} and posted under the merchant name XXXX. Although both transactions originated from the same website, they posted under different merchant names, which is unusual and indicative of fraudulent activity. 

After completing the second purchase, I attempted to view my cart and was redirected to the XXXX XXXX website. At that point, I was unable to log into my legitimate XXXX XXXX account, which I already have. This is when I realized the website was not actually connected to XXXX XXXX and appeared to be impersonating the brand. 

After noticing this issue on XX/XX/2025, I returned to the XXXX page where I originally accessed the advertisement and observed that the link to the website was no longer available. I then conducted further research on XXXX and found numerous users reporting that this specific website and page were fraudulent and that they were scammed as well. I also reported the page directly to XXXX for scam activity and brand impersonation. 

When I later attempted to review the website I purchased from, it identified the company as XXXX, which appears to be a legitimate business name. I received order confirmation emails from this company, which initially made the transactions appear legitimate. I later received an additional email stating that my items were scheduled for delivery. However, I never received any delivery, and when I attempted to access or verify the delivery confirmation or tracking information, I was unable to do so. The delivery information could not be accessed or validated. 

I submitted disputes through my bank, Chime, for both transactions. The disputes were denied and closed by Chime because they were classified only as unauthorized transactions. Although the transactions were authorized, the merchants misrepresented themselves and engaged in brand impersonation and deceptive advertising. The actual issue is merchant fraud and misrepresentation, which was not reviewed during the dispute determination. 

Based on the facts above, I am formally requesting reimbursement of the disputed funds from Chime and that this matter be reviewed under the correct dispute category of merchant fraud and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am disputing the balance and interest calculations on my private student loans originally with XXXX and now serviced by MOHELA. 

MOHELAs portal reflects that I have paid approximately {$46000.00} to date, including approximately {$30000.00} in interest and {$570.00} in fees, yet the total current balance remains approximately {$45000.00} across two variable-rate loans with current interest rates of approximately 13.25 % and 16.875 %. 

For example, on one loan that entered repayment in XX/XX/XXXX, I have paid approximately {$35000.00} ( including approximately {$22000.00} in interest ), yet the current balance remains approximately {$25000.00}, with total accrued interest reflected as approximately {$34000.00}. On a second loan that entered repayment in XX/XX/XXXX, I have paid approximately {$10000.00} ( including approximately {$7700.00} in interest ), yet the current balance remains approximately {$19000.00}, with total accrued interest reflected as approximately {$14000.00}. 

These loans are variable-rate loans and have been subject to different repayment arrangements over time. I am disputing the accuracy of interest accrual, capitalization events, variable-rate application, and payment allocation. 

MOHELA has told me by phone that interest adjustments are impossible and that only a minimal hardship option exists. I have submitted a formal written dispute to MOHELA requesting a full accounting, capitalization history, variable-rate history, promissory notes, and written payoff statements, and requesting escalation to XXXX as lender/owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have been contacted by Portfolio Recovery regarding an alleged debt that I do not recognize and dispute. I requested validation of this debt and have not been provided with proper documentation showing that I am legally obligated to pay or that the company has the authority to collect it. Despite this, the company continues collection activity. I am requesting that the company provide full written validation of the alleged debt as required by law, and that all collection activity cease until proper verification is provided. If the debt can not be validated, I request that the account be closed and any related credit reporting be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
This complaint is submitted to obtain clarification and reconciliation of materially inconsistent information regarding the servicing of my home equity line of credit ( HELOC ) that has been provided to the CFPB and in written correspondence. 

In CFPB Case No. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX informed the CFPB that the HELOC was held in the XXXX  Revolving Home Equity Loan Trust, Series 2005-E, that XXXX XXXX XXXX XXXX XXXXXXXX did not service the loan, and that XXXX XXXX XXXX XXXX XXXX  XXXX ) was identified as the Master Servicer responsible for servicing and borrower communications. 

Shellpoint Mortgage Servicing has separately responded to prior CFPB complaints concerning this same HELOC, including CFPB Case No ( s ). [ INSERT PRIOR SHELLPOINT CFPB CASE NUMBER ( S ) ], stating that Shellpoint did not service the HELOC, that XXXX did not service the HELOC, and that Shellpoint has no servicing records and can not provide information regarding the loan. These same positions were reiterated in a XX/XX/year> letter from counsel for Shellpoint. 

I previously contacted XXXX XXXX XXXX XXXX directly seeking clarification regarding servicing responsibility for this HELOC and was instructed to direct my inquiry to legal counsel. These communications were made in good faith and at the direction of Shellpoint and/or its predecessor in an effort to obtain accurate servicing information. Despite doing so, I did not receive clarification regarding servicing authority or the location of servicing records. 

As a result, despite reasonable efforts to obtain accurate information directly, I have been unable to determine which entity holds or held servicing authority for this HELOC or which entity maintains servicing records. 

The statements made by Shellpoint are materially inconsistent with XXXX XXXX XXXX XXXX XXXXXXXX CFPB response identifying XXXX  as the Master Servicer for this loan. This complaint is submitted solely to obtain clarification and reconciliation of these conflicting statements.

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 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My homeowners insurance carrier issued multiple checks related to covered losses due to the XXXX XXXX XXXX in XXXX, California. One check in the amount of approximately {$30000.00} was issued for water mitigation related to a prior contractor. No work corresponding to that check was completed, the check has not been cashed, and BSI was notified in writing that the funds could not be used due to active court litigation involving that contractor. 

Despite this, BSI has repeatedly relied on the uncashed {$30000.00} check as a reason to delay or deny the release of additional insurance proceeds, including approximately {$28000.00} specifically designated for lead and contamination abatement. BSI has stated that I must first complete 70 % of the overall property repairs before any abatement funds will be released and that I am required to pay the {$28000.00} abatement cost out of pocket. This creates an impossible condition, as abatement is a health and safety remediation that must occur before reconstruction and can not proceed without funding. 

My loss draft file has been denied three times. Each denial occurred with no notes, comments, or justification provided. When I requested explanations for these denials, copies of inspection reports, the authority for the 70 % completion requirement, and the basis for relying on the uncashed {$30000.00} check, BSI representatives refused to provide decisions in writing. Multiple loss draft representatives and supervisors denied my requests for written determinations or email confirmation. 

I requested supervisor escalation on three separate occasions before a supervisor eventually contacted me. Even then, I was told verbally that approval depended on Fannie Mae, but no written guideline, authority, or documentation was provided to support this claim. 

BSIs refusal to provide written explanations, reliance on uncashed and unusable insurance proceeds, and withholding of funds designated for health and safety abatement has prevented remediation of hazardous conditions at my property. I am seeking regulatory review of BSIs servicing practices, failure to document decisions, and improper withholding of insurance proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am an American Express Platinum cardholder paying over {$1000.00} annually in combined card fees. One of the core marketed benefits of this card is elite rental car status and pricing with partner companies including XXXX XXXX XXXXXXXX. 
However, I have repeatedly documented that booking through AMEX-linked elite status produces significantly higher pricing than booking as a non-member for the exact same rentals. This has caused direct financial harm. 

Specific Issues : XXXX Pricing Discrepancies : For identical rentals ( same dates, vehicle class, location ) : Logged-in XXXX XXXX rate : {$680.00} Non-member public rate : {$210.00} Additional XXXX Example XXXX For my XX/XX/year> booking, logged-in XXXX XXXX pricing was nearly double the non-member price, forcing me to book without using my elite status. 

XXXX Pricing Discrepancy ( Additional Cardmember ) : My additional Platinum cardmember daughter experienced the exact same issue with XXXX her public non-member rate was over {$100.00} cheaper than the Platinum-linked elite rate. 

Benefit Misrepresentation : These partner benefits are actively marketed as financial advantages that justify the Platinum annual fee. In reality, they are producing higher costs, fewer booking options, and suppressed prepaid rates. 

Failure to Respond to Executive Correspondence : I mailed a formal written Executive Correspondence to American Express on XX/XX/year> regarding these issues. To date, no response or case acknowledgment has been received. 

Financial Harm : Repeated overpricing when using elite status Forced loss of prepaid discounts Loss of promised Platinum rental benefits Increased overall rental costs directly due to AMEX-linked pricing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I contacted Wells fargo because I received emails stating I opened 2 accounts with them on XXXX. I told them I didnt apply for any account and I dont want wells fargo for anything. The opened an investigation and supposedly closed the accounts XXXX. Well today I received mail from Wells fargo about a change of address today XXXX with 2 account numbers on the form. Apparently they havent removed me from these aaccounts.i called them today and they transferred we to multiple people then stated their system is down.

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