vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
My home flooded, my insurance company sent a partial payment for damages in First Home and my name. First home mortgage said that I needed to submit the payment to them. I mailed the check to them and they received it XX/XX/year>. No one contacted me. When I inquired, I was advised that they received it and that I needed to set up an account through their payment claims center. I followed their instructions. The XXXX options to release a XXXX % payment was XXXX or bank draft. I selected XXXX, the payment failed twice. After multiple calls, I asked if they would mail the check to start work. They said they are unable to mail payments even though they originally offered. I was able to change the method of payment to electronic transfer into my bank account, this was suppose to process in 1-2 days. It has been XXXX days and I havent received the initial draw. I have called multiple times and every representative states that they are waiting for IT to release the payment. My house has flood damage to XXXX levels, I do not have floors on the main level and I do not have floors, walls, ceiling, doors in the basement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Chaplin & Papa, P.C.
State: NC

Complaint narrative:
I am submitting this complaint regarding unfair and deceptive debt collection and litigation practices by XXXX XXXX XXXX XXXX and its legal representatives. The alleged debts consist of two credit card accounts and one auto repossession account originally associated with XXXX XXXX XXXX XXXX. These accounts were later purportedly acquired by XXXX XXXX XXXX XXXX, with whom I have no direct contractual relationship. I never entered into any written agreement with XXXX XXXX XXXX XXXX. The alleged obligation is based solely on a claimed assignment of debt. I submitted written requests for debt validation on two occasions to a law office in XXXX, Virginia. That office refused to provide adequate validation and instead stated that there was no obligation to comply with what they described as excessive verification demands. I later received a collection letter from a law office in XXXX, North Carolina demanding payment. I submitted a validation request to that office as well. I subsequently discovered that the North Carolina office had already filed a lawsuit in XX/XX/XXXX, prior to providing adequate validation of the alleged debt. After becoming aware of the lawsuit, I requested proof of a valid written agreement between myself and XXXX XXXX XXXX XXXX. No such agreement was provided. Instead, the law firm, Chaplin & Gonet, provided documentation consisting of statements from XXXX XXXX XXXX XXXX. These documents were redacted and generic in nature and did not establish any direct connection between myself and XXXX XXXX XXXX XXXX. The documents failed to : * Demonstrate a contractual relationship with XXXX XXXX XXXX XXXX * Provide a complete chain of assignment * Identify my specific accounts within any alleged transfer * Provide unredacted information necessary to verify ownership Additionally, the respondents rely on a generic Bill of Sale and Assignment that purports to transfer a pool of accounts. However, this document does not identify my specific accounts and does not include unredacted account-level schedules. The Bill of Sale also excludes prior payments before XX/XX/XXXX, raising concerns about the accuracy of the balance being claimed. Despite these deficiencies, collection efforts and litigation have continued. This conduct appears to involve attempts to collect a debt and pursue legal action without sufficient documentation, validation, or proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
I am disputing a payoff quote dated XX/XX/XXXX from Carrington Mortgage Services , LLC that includes {$9900.00} in fees listed as Other Unpaid Expenses. These fees were assessed on or around XX/XX/XXXX and include property inspections, attorney fees, lock changes, winterization, property preservation, and repair costs, including a charge of {$6800.00} for repairs per bid. These charges appear to be related to default servicing or foreclosure-type activity. This loan is subject to the Servicemembers Civil Relief Act ( SCRA ). The loan originated while both borrowers were on XXXX XXXX, and one borrower remains on XXXX XXXX. Under SCRA, foreclosure actions and related fees require a valid court order and strict compliance with federal law. I have reason to believe these fees were assessed without proper SCRA compliance and may be improper. I previously requested, over the phone, documentation of any court order authorizing these actions, a full itemization and invoices for all fees, a complete life-of-loan transaction history, and documentation of SCRA compliance. This information has not been provided. I am requesting : Documentation of any court order authorizing these actions Full itemization and supporting invoices for all fees Proof of SCRA compliance Removal of any improper fees A corrected payoff quote Due to the time-sensitive nature of this payoff, I am requesting prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: CO

Complaint narrative:
ProCollect is in violation of 12 CFR 1006.30 ( Regulation F ) regarding " debt parking. '' My credit reports show that ProCollect began reporting this debt in XX/XX/XXXX. However, ProCollect did not provide me with a validation notice or establish communication before this reporting. I only received the first validation notice on XX/XX/XXXX. The notice itself is dated XX/XX/XXXX. Under Regulation F, a collector must not report a debt to a credit bureau until they have sent a validation notice and waited a reasonable time ( 14 days ). ProCollect reported this debt XXXX months before sending the required notice. Furthermore, the collector is in violation of 15 U.S.C. 1692e for misrepresenting the legal status of the debt. The underlying charges ( totaling approximately {$200.00} ) are legally barred under Georgia O.C.G.A. 44-7-33 due to the landlords documented failure to maintain mandatory move-in inspection records. I disputed this with the original creditor in XXXX, but the collector has failed to mark the account as " disputed '' on my credit report. I have provided the collector with a final deadline to resolve this, which was ignored.

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: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting a complaint regarding my CareCredit account serviced by Synchrony Bank. On XX/XX/year>, I contacted the phone number XXXX to discuss resolving this account. I was informed that the account is closed and being handled by a collections team. During the call, I was offered a payment arrangement of {$100.00} per month with no interest. However, I was told that the only way to proceed was by providing payment information over the phone for automatic withdrawal, and that no written confirmation of the account details or the terms of the agreement would be provided. I was also unable to access my account online and was not given an alternative method to review the balance or terms in writing. I am willing to resolve this debt, but I am not comfortable making payments only over the phone and sharing personal information with an unknown representative, without receiving written documentation confirming : * the total balance and itemization * ownership of the account * whether interest is accruing * the full terms of any payment arrangement The refusal to provide written confirmation while requiring immediate payment and automatic withdrawal raises serious concerns. I am requesting that Synchrony Bank provide full written validation of this account and all available payment options so that I can make an informed decision. Only paying via phone doesn't seem like it should be the only option. I am facing financial hardship after a job loss, but want to still be able to pay. Online, they offered little options to pay less monthly. Thank you.

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: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Ive had an extremely frustrating experience with Wells Fargo business banking. My card was approved on XX/XX/XXXX, but I didnt receive the physical card until XX/XX/XXXX. Despite this delay on their end, they refused to extend the promotional window for the {$500.00} bonus, effectively giving me a shortened and unrealistic timeframe to meet the spending requirement. Ive asked for reasonable solutionsincluding a credit limit increase or simply making my available balance reflect my paid balance so I can actually use the cardbut nothing has been done. Because of payment processing delays ( XXXX business days ), my available balance remains too low, preventing me from making purchases even though my balance has been paid off. To make matters worse, I can not access my rewards trackerand even their own representatives said they couldnt see it either. That raises serious concerns about transparency around whether I will actually receive the bonus. Customer service has been consistently unhelpful. Every call has resulted in being told we cant help with that, followed by being transferred between departments with no resolution. Ive spent an average of XXXX minutes on hold each time, only to get no support and no ownership of the issue. I was also given conflicting information about my available balancetold it would be available on XX/XX/XXXX by XXXX different employees, then later told it would not be available until XX/XX/XXXX. On top of that, I was charged a cash advance fee and finance charges for a XXXX transaction without clear warning. I paid my balance off right away on XX/XX/XXXX, yet I was still charged a finance charge on XX/XX/XXXX with no clear explanation. When I requested reimbursement, it was denied. I also requested a copy of the terms and conditions for these charges and was told it would take up to 10 business days and had to go through the executive office just to access that information. After long hold times, inconsistent answers, and no accountability, Ive now filed a formal complaint. Between unclear fees, restricted access to rewards tracking, inconsistent information, and lack of support, this has been one of the most difficult banking experiences Ive had.

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: 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: FL

Complaint narrative:
I am filing a complaint regarding American Expresss improper denial of a credit card dispute involving goods not as described ( fraudulent fulfillment ). I purchased XXXX XXXX from a merchant XXXX in the amount of {$410.00} including tax on XX/XX/2026. Instead I received XXXX bottles of nail polishitems that are completely unrelated to what I ordered. I attempted to resolve the issue directly with the merchant starting on XX/XX/2026, but they failed to provide a refund. I then filed a dispute with American Express. American Express denied my first claim when the merchant stated I never contacted them. American Express allowed me to open a second claim after providing proof of my contact with XXXX. American Express denied my second claim based on the merchants return policy and timing requirements. This is inappropriate, as this is not a return dispute. It is a failure to deliver the purchased goods, and return timelines should not apply. Additionally, XXXX did not ask to return anything to them. American Express appears to have misclassified the dispute and relied on procedural defenses rather than evaluating the actual merchandise delivered. I have provided documentation, including order confirmation and photos of the incorrect items received. I request that American Express reclassify this dispute as goods not as described, conduct a proper review, and issue a full refund.

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: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This complaint specifically concerns loan XXXX XXXXXXXX. While there were multiple related transactions, this complaint is focused on this specific loan. I am filing a complaint regarding multiple installment loans through Affirm tied to a purchase that was never fulfilled. In early XX/XX/year>, I attempted to purchase what was advertised as a physical product ( XXXX XXXX XXXX XXXX ). During the checkout process, my initial attempts indicated my card was not allowed, so I believed those transactions failed. I then completed what I thought was XXXX successful purchase. However, XXXX separate Affirm payment plans were created. After the purchase, instead of receiving a product or shipping information, I was instructed by the merchant ( XXXX XXXX XXXXXXXX ) to contact a third-party supplier through XXXX ( XXXX XXXX ) for fulfillment. I followed these instructions, but the supplier never responded and no product or service was ever provided. On XX/XX/year>, I contacted the merchant to cancel the orders due to duplicate charges and lack of response, but I received no reply. I made multiple attempts to resolve this issue with Affirm, including filing disputes, submitting evidence, and calling their support line several times. I followed the instructions provided by Affirm representatives, including resubmitting evidence when requested. Despite this, XXXX of the duplicate charges was denied XXXX separate times, and another charge ( for which I already paid {$48.00} ) was denied twice, even after additional review. I filed disputes with Affirm and provided evidence, including proof that no product was delivered, no tracking number was provided, and the third-party supplier did not respond. XXXX of the duplicate transactions was resolved in my favor and removed. However, the remaining payment plans were denied despite being part of the same transaction pattern and circumstances. Affirm stated that a service had been delivered. However, the only thing provided was an email instructing me to contact a third party, which does not constitute a completed service. The third-party supplier never responded, and no product or actual service was ever fulfilled. I also requested proof of delivery or completion from Affirm, including tracking information or details of the alleged service, but this was not provided. I did not receive any product, and no actual service was completed. I am requesting that the remaining charges be removed, as the transaction was not fulfilled and the handling of identical duplicate transactions has been inconsistent.

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: BANKERS HEALTHCARE GROUP LLC
State: ID

Complaint narrative:
I took out a personal loan from BHG ( Bankers Healthcare Group ) XX/XX/year>. This was a high interest ( 15.99 % ), high fee loan ( {$2900.00} doc fee, {$5200.00} personal guaranty, {$2200.00} reimbursable servicing fee, {$45.00} wire fee ) for 144 months. I was aware there would be a prepayment penalty if paid off before 5 years but the contract is very vague as to what the penalty would be and the terms were not discussed with me. I am now in a position to refinance and pay off some debts. I have been offered a 6.99 % home equity loan through my bank to consolidate and pay off my high interest loan and credit card debt. I called BHG to get payoff information. The original loan was for {$85000.00} and after 28 months of payments, the current principle is {$78000.00}. BUT they told me my payoff as of today would be {$150000.00}. I told them that is ridiculous to charge the full 12 year of interest in repaying a loan near the 3 year mark. They stated it was this way in my contract. ( I will attach said contract ). I looked up general laws on prepayment penalties. First i researched if the law would be covered by Idaho or Florida law ( I live in Idaho, the loan company is in Florida ). Law states it varies depending on contract. I then looked up laws for prepayment penalties in both Idaho and Florida. Idaho in a nutshell, states they can not charge more than 6 months of interest and Florida has a limit of no repayment penalty after 3 years. Generally most states follow a XXXX % prepayment penalty on balance of loan. It can't be legal to charge the full interest amount over the life of the loan which means in essence, I would be paying a total of {$190000.00} ( {$37000.00} already paid + {$150000.00} payoff ) for a {$85000.00} loan. I need help in resolving this. This, to me, is a perfect example of predatory lending. I do have another loan with them as well but it is way past the 5 years so there should be no issue paying that one off ( remaining balance is around {$17000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against SoFi for severe harassment, deceptive privacy practices, and a direct refusal to honor consumer opt-out requests. SoFi continues to relentlessly contact me against my explicit wishes. When I contacted customer service to request data removal, the representative was incredibly hostile and outright refused. It is abundantly clear that SoFi actively trains their representatives to be combative and deny consumers their right to data deletion. This predatory, anti-consumer behavior borders on criminal. Furthermore, SoFi intentionally traps the privacy opt-out process behind a consistently broken customer login portal, deliberately preventing consumers from exercising their rights. I want all of my personal data completely deleted from their systems and all communications to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation