vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — VA 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: WI

Complaint narrative:
I am attempting to complete a deed-in-lieu of foreclosure and have fully complied with all requirements requested by the lender, including submitting documentation and completing the appraisal. Beginning in approximately XX/XX/year>, I was informed that the deed-in-lieu process was being reviewed. Since that time, I have made repeated attempts to obtain updates and complete the process, including multiple phone calls and emails to my assigned point of contact and the loss mitigation department. Over the past several weeks, I have not received any meaningful response. My assigned point of contact has not responded in over a month. I have been transferred between multiple representatives, none of whom have access to my file or are able to provide accurate information. I submitted a formal escalation request asking for supervisor review and reassignment due to lack of communication. I was told my file would be forwarded to a supervisor, but I have not received any follow-up contact. I also received a voicemail from a representative that did not include a name, extension, or direct contact information, and I have been unable to reach anyone with knowledge of my case. This matter is time-sensitive and involves an active foreclosure court case. At a recent hearing, the Court indicated that I should proceed with the deed-in-lieu resolution. However, I am unable to move forward due to the lenders failure to respond or provide access to a knowledgeable representative. I have made repeated good-faith efforts to resolve this matter and remain ready and willing to complete the deed-in-lieu immediately. The delay is due to lack of communication and failure to provide assistance from the lender. I am requesting immediate contact from a supervisor or escalation XXXX, a clear status update, and assistance completing the deed-in-lieu process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
* * Subject : * * Conflicting Information and Lack of Account Access Federal Student Aid I am filing a complaint regarding my federal student loan account and communication failures by Federal Student Aid. I was previously informed that my account reflected a negative balance of approximately {$26000.00} and that a refund request would be escalated. Upon follow-up, I was told that no refund is owed and that no escalation exists. These statements directly conflict with each other and no written explanation has been provided. Additionally, my StudentAid.gov account is no longer accessible, preventing me from reviewing my loan history, payment records, or discharge details. I am requesting : XXXX. Written confirmation of whether a refund is owed ( I was told my refund was being processed and then follow up call stating no refund owed ) XXXX. A full explanation of the negative balance previously shown XXXX. Restoration of account access or provision of records XXXX. Accurate and consistent communication regarding my account This situation reflects a failure to maintain accurate records and provide clear information to the borrower. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I recently got approved for prosper credit card a week ago for XXXX. Prosper gives you immediate access of XXXX percent of your credit until your card comes. XXXX day before my card arrives, prosper says I have fraudulent activities on my account and shuts off everything, when I check my account it says passed due and my account is restricted. I dont have a minimum due at this time. I saw a lot of reviews saying prosper shuts off your card for fraud or reason that is unacceptable. I should have looked them up before applying. I talked to reps, the reps keeps saying they are sending notes to fraud to unlock my account. This card is a joke.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
i had over XXXX taken from account in the most recent round of unauthorized charges. current bank states that because i have delt with this merchant in the past that is their resoning for denying every dispute i have fiked aganist them .. this is the only XXXX of my account that continue to take my money nad refuse to replace it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I am submitting this complaint because Selene Finance has made XXXX errors in managing my escrow account : Selene added a lender-placed insurance policy for {$8200.00} even though I already have valid coverage for {$1100.00}. This unnecessary policy caused a shortage on my account and increased my monthly payment by {$680.00}. Selene should cancel that policy and remove it from my escrow balance. Because of this issue, my monthly mortgage payment is substantially higher than it should be. I am requesting that Selene correct my escrow account, refund any overcharges, and confirm in writing that the adjustments were made. Attachments : Copy of my current insurance declarations page Current mortgage escrow statement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I am filing a complaint regarding a delayed refund following a Total and Permanent Disability ( TPD ) discharge. My federal student loans serviced by MOHELA were discharged based onXX/XX/XXXX VA XXXX, with an effective date of XX/XX/year>. I made a payment after that discharge date, which qualifies as an overpayment and must be refunded under Department of Education policy. MOHELA has confirmed that the refund request was processed and sent to the XX/XX/XXXXand/or Treasury. However, it has now been over XXXX weeks, and I have not received the refund. I am requesting : Confirmation that the refund was approved and transmitted to Treasury The payment certification or trace number The exact date the refund was sent Verification that there are no holds, offsets, or processing errors Immediate issuance of the refund This is a required refund under federal policy, not a discretionary request. The delay exceeds normal processing timelines and lacks transparency. I am requesting escalation and a formal review of compliance with TPD discharge refund requirements.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have fha mortgage with Newrez company currently where I paid less than XXXX percent down at the time of purchase with different mortgage company and Newrez bought my mortgage in XXXX months I have been told by original loan mortgage company that pmi will be removed after I pay XXXX percent on house over the time I paid {$20000.00} in XX/XX/XXXX and paid down {$54000.00} on XX/XX/XXXX and now I paid down XXXX percent of loan already and they r still denying my request by mentioning that its a life time loan insurance. According to law if i bring XXXX years down out of XXXX years loan I am eligible for pmi removed. I feel they r ripping me off for their profit. Please help me to make them remove my pmi out in this crucial economy when I never missed any payment till yet on my loan.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I requested validation of debt and I never heard anything back.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
A student loan was taken out in XXXX. It remained with the university. To my knowledge, no collection efforts were made. No bills received. No credit reported. I was unaware this loan existed. More than 15 years ago, I consolidated what I believed were all my student loans and paid them all off. In XXXX, XXXX XXXX transferred the loan. For four years no collection efforts were made until it was sent to US Dept. of Education for non-payment. For XXXX years, the loan had not been reported to the credit bureaus. I had no knowledge of its existence, I had no way to make good on the debt. Had I known who to send the money to or where to send it, I could have paid it back decades ago. I don't believe I should be responsible for XXXX years of interest, which is now more than the original principle balance of {$1000.00}. I offered to pay the principle in full and asked that a substantial part of the interest be forgiven due to the circumstances. I was told the Dept of Ed doesn't negotiate, but was offered a settlement of 50 % of the interest, which feels like a negotiation. I thought that Reg Z required creditors to send statements to borrowers, does that extend to the government? It is my belief that interest was allowed to accrue over an excessive period of time due to lack of communication on the part of the creditors. I only became aware of this collection account during a recent mortgage refinance. The Dept of Ed sent a single letter in XX/XX/XXXX to an address from XXXX years ago. With proper notification, this would have been paid in full a long time ago.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. regarding an alleged debt they are attempting to collect on behalf of XXXX XXXX XXXX, amounting to {$1100.00}. I am not the debtor of this account and have not authorized or incurred this debt. I believe that Transworld Systems Inc. has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to provide proper validation of the debt. Transworld Systems Inc. has failed to provide adequate documentation proving the legitimacy of this debt. I am requesting the CFPB 's intervention to compel Transworld Systems Inc. to provide a full accounting of the debt, including all transactions, fees, payments, credits, and interest ; a copy of the assignment of purchase showing their legal right to collect ; a detailed breakdown of charges and how the total owed was calculated ; the full chain of assignments from the original charge-off to the present ; proof of ownership with clear title ; and documentation of my wet signature on the original contract. These violations have harmed my credit and financial standing, and I request that Transworld Systems Inc. cease all collection activities until the debt is properly validated. If they fail to validate the debt as required by law, I demand that it be removed from all of my records and that all collection efforts cease immediately. I ask for the CFPB 's assistance in investigating this matter and ensuring that my rights under the FDCPA and FCRA are fully upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I am submitting a formal complaint regarding a home improvement loan financed through GoodLeap and originated through a contractor, XXXX XXXX. On XX/XX/2025, I signed a financing agreement during a late-night, in-home sales visit that occurred at approximately XXXX XXXX. During this visit, I was presented with loan documents and signed the agreement the same night. Due to the timing and circumstances, I was not provided a meaningful opportunity to fully review or understand the loan terms, including the interest rate and long-term financial impact. Despite having a credit score of approximately XXXX, I was placed in a loan with an interest rate of 11.99 %, resulting in a total repayment amount nearly double the financed amount. I later realized the terms were unfavorable and not adequately explained at the time of signing. After the transaction, I attempted to follow up to obtain information on the system, loan terms, and the cancellation process. I was redirected between departments and did not receive clear or timely assistance. The representative involved in my transaction is no longer employed, which raises concerns about how the sale and financing were handled. This transaction involved an in-home solicitation, and I was entitled to a clear and accessible opportunity to cancel. However, due to a lack of guidance, poor communication, and the companys representative 's failure to provide assistance, I was not given a fair or meaningful opportunity to exercise that right. I am requesting a full review of this transaction and seeking rescission of the loan agreement due to unfair and potentially deceptive sales practices, inadequate disclosure, and a failure to provide a reasonable opportunity to cancel. I also have supporting evidence of the late-night in-home sales interaction and communications related to this transaction, which I am prepared to provide if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American express is the company. Issues : 1. They revoked my online access to my account to see my account details 2. They are hostile on the phone when I talk to them when I ask for statements, and try to negotiate that I pay a minimum payment first. I told them I had financial set back last year for taking unpaid time off work to deal with a medical matter. 3. Twice Ive asked for help with financial relief programs and the first time they said theyd look into it ( roughly two months ago ), and then today, they said " theres no options available ''. 4. They keep threatening to send my account to collections but wont give me any of the above to try to work with them They keep calling me and when I get on the phone with them to try to come to resolution, they are hostile and threaten to " send the debt to collections, but they dont know when ''. On two separate occasions, two months apart, once today, XXXX, and another, roughly during XXXX, I asked for : 1 ) ability to log into my online accounts so I can see my account details. ( i cant login to see my ac 2 ) financial relief hardship program. Today they said " sir your account is closed so you cant login to see your statements ''. They also again said they have no financial relief hardship program. When I asked to see statements for each of the past three months for each card, the account manager got very aggressive and said " why do you need to see it? '' It was very rude and hostile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This account is inaccurate and can not be verified. The original apartment complex associated with this alleged debt has been sold, and the current ownership has no record of me or this account. Because the original creditor no longer maintains records, this debt can not be properly validated. I am requesting full documentation, including a signed lease agreement, payment history, and proof of residency. If this information can not be provided, this account must be removed under the Fair Credit Reporting Act as unverifiable information. Please investigate and delete this account if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint against Bank of America regarding an improper autopay withdrawal, an unresolved refund, and the continued withholding of my funds. On or about XX/XX/year>, Bank of America processed an automatic payment in the amount of {$2200.00}. This amount exceeded the actual balance owed on my account and caused my account to go into a negative balance. An autopay system should not be capable of withdrawing more than the total balance due. When I contacted customer service, a representative explained that partial payments trigger the system to recalculate the autopayment amount, but credits or adjustments do not. As a result, the autopay system failed to incorporate credits or adjustments already applied to my account and withdrew more than the full balance. This reflects a fundamental defect in the banks payment processing controls. As a result of this error, {$180.00} of my funds has been improperly withheld. Bank of America subsequently sent me written correspondence dated XX/XX/year> ( attached ), stating : At your request, weve transferred {$180.00} from the {$2200.00} payment back to the originating source. However, as of today, those funds have not been received by the originating bank. I spent an additional 40 minutes on the phone with Bank of America to locate the refund, and they were unable to confirm its completion or provide a clear resolution. From a first-principles standpoint, once a refund is initiated, the bank must be able to trace, confirm settlement, and ensure delivery within standard ACH processing timelines. The fact that the funds remain missing despite written confirmation indicates either that the transfer was not properly executed or that there is a failure in tracking and reconciliation. This creates an ongoing financial loss. The {$180.00} has been unavailable to me for an extended period and would otherwise be earning interest ( approximately 4 % annually ), resulting in measurable opportunity cost. I am requesting the following : 1. Immediate confirmation of the status and location of the {$180.00}, including trace details of the refund transaction. 2. Immediate completion of the refund if it has not actually been settled. 3. Reimbursement for the time my funds have been unavailable, including lost interest. 4. A written explanation of how the autopay system allowed a withdrawal exceeding the actual balance due. 5. Confirmation of corrective measures to ensure autopay calculations always reflect the true net balance and that refund transactions are properly tracked to completion. This issue reflects both a failure in payment processing controls and a failure in refund execution and tracking. I expect prompt corrective action. 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 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I closed my Citizens bank account on XX/XX/year> by phone. I have the recorded call and the gentleman said the account was closed now and I would be receiving a check with {$0.00} for the balance on the account and was assure that nothing can be withdrawn from the account as it is closed and I do not have overdraft. I then get several notifications days later with overdraft fees. I have called the several times only to have them hang up on me even though I am using and XXXX compliant app call XXXX XXXX as I have had my XXXX replaced within the last 2 months and can not hear. They have threatened to sue me, send me to collections and XXXX all because they messed up. Then lied saying I signed up for overdraft so I asked for them to send me the call or paperwork with that request. Then they change it and said oh well you don't have overdraft bit its up to the banks discretion to cover auto pays. But again I hav3 the call recorded when closing the account and he stated that nothing can be withdrawn from that account. I called them over a week ago to cease and desist all communications by electronic means and to mail me everything from this point on. They continue to text and email me telling me that I am overdraft on the account.

Company response to consumer: Closed with monetary relief