vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Between the dates of XX/XX/XXXX XXXX, XXXX I received a text message and multiple " spam risk '' calls from Rocket Mortgage XXXX about refinancing. Then I received a text message from XXXX XXXX on XX/XX/XXXX at XXXX, about lowering the interest rate I responded asked " How much lower of an interest rate? We just refinanced and I can't afford more of a payment then we already have. When I signed on to make a payment on today XX/XX/XXXX ; i noticed a new loan started and I completed the following chat with a customer service agent XXXX : Chat started with XXXX XXXX : Hello. Thank you for your patience and contacting Rocket Mortgage, this is XXXX. How may I assist you today? Me : I did not authorize a new loan, why is there XXXX pending Me : I should report this to the FTC Deja : I would be more than happy to assist. Please allow me just a moment to review your account. XXXX : Do you see a new loan number? Have you been talking to someone about a refinance? Me : XXXX refinance loan XXXX XXXX XXXX : I just declined it, but never authorized starting it. XXXX : Ok, so it sounds like you initiated a request for a refinance. Happy to get you connected to a banker if you no longer wish to go through with this request. Any other questions for me before I get you connected? Me : I never did this, he texted me and i only asked what would the interest rate be and He never answered me. XXXX : I understand. XXXX moment while I get you connected. Thank you for being a valued customer, and enjoy the rest of your day! Me : ok thanks. New Agent : Good morning XXXX, my name is XXXX XXXX and I will be your dedicated license banker here at Rocket Mortgage. How are you today? Me : I have a pending new refinance that i did not authorize. I declined it ; but never asked for this to be started, only asked for the current interest rate. New refinance loan XXXXXXXX XXXX XXXX XXXX XXXX XXXX New Agent : Would you like for me to cancel the application or how can i help you? Me : Yes, please cancel it. I am going to report this to the FTC and potentially look for a new mortgage company. XXXX XXXX : I have cancelled the application, is there anything else I can do for you? Me : No thank you I have since logged in to verify that the loan was removed from my account. The offer was not just to not much of a lower the rate but to take cash out and adding almost XXXX XXXXXXXX to my mortgage with more years, but a lower payment. I just don't understand why they added the loan, without verbal consent to start the process. I did not print out the details of the loan, i wish i had.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Subject : REBUTTAL - EVIDENCE OF PROCEDURAL FRAUD AND DECEPTIVE PRACTICESCase Number : XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX am formally rejecting Rocket Mortgages response dated XX/XX/year>, due to the provision of false information to a federal regulator.I am submitting the following Exhibits as proof of the servicer 's deceptive practices : EXHIBIT 1 ( Letter dated XX/XX/year> ) : A formal notice from Rocket Mortgage titled " Homeowners Assistance Fund '' ( HAF ) providing me with instructions to proceed with state assistance. This proves the servicer was actively promoting this program to me in XXXXEXHIBIT 2 ( Response dated XX/XX/year> ) : The servicers official statement to the CFPB claiming that HAF applications were " impossible '' in 2026 because the program closed in XXXXNARRATIVE OF ERROR : The servicer can not legally claim a program was " impossible '' to access ( Exhibit 2 ) while simultaneously sending official correspondence encouraging its use ( Exhibit 1 ). This contradiction proves that the servicer provided false information to the CFPB and used the HAF narrative as a " stall tactic '' to allow other federal deadlines to expire.Furthermore, the servicer is violating the FHA Loss Mitigation Waterfall ( Manual 4000.1 ) by bypassing the Standalone Partial Claim. This federal option is mandatory for disaster-related hardships and would allow me to maintain my original 2.5 % rate and {$1100.00} payment. Instead, the bank is attempting to force a high-interest modification based on delays caused by their own administrative misinformation.REQUIRED RESOLUTION : Immediate investigation into the conflicting information provided in Exhibits 1 and 2.Audit of the XX/XX/year> call where the agent initiated the false HAF application.Application of the FHA Standalone Partial Claim to reinstate the loan under the original 2.5 % interest rate terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Schrier, Tolin and Wagman, LLC
State: VA

Complaint narrative:
Collections agency refuse to send or show receipts of payments. Consumer service caller gives me a difficult time, tried to reach out to management no answer or call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding a mortgage loan modification/workout agreement that was forced upon my family under threat of foreclosure by my previous mortgage servicer, which has since gone out of business. My current mortgage servicer is now refusing to properly address or honor issues surrounding this modification. During the loss mitigation process with the previous servicer, we were told that accepting the modification was our only option and that if we did not sign the agreement immediately, foreclosure proceedings would begin against our home. We felt pressured and coerced into accepting terms that extended our mortgage loan out approximately 49 years. We did not feel we had a meaningful opportunity to explore other options or fully understand the long-term consequences of this modification. We believe the prior servicer engaged in unfair and deceptive mortgage servicing practices by pressuring us into accepting an extremely long-term modification under threat of foreclosure. We are also concerned that the current servicer has failed to properly review, investigate, or address the legality and enforceability of the prior modification agreement and servicing transfer records. We are requesting the following : 1. A full investigation into the prior servicers conduct during the modification process. 2. A complete accounting and payment history of the loan. 3. Copies of all servicing transfer records and modification documents. 4. A review of whether the modification complied with federal mortgage servicing laws and consumer protection laws under the Dodd-Frank Act, RESPA, and Regulation X. 5. Assistance in determining whether the modification terms were unfair, abusive, or improperly obtained through foreclosure pressure tactics. 6. A written explanation from the current servicer regarding why they are refusing to resolve or address issues related to this prior workout agreement. We have attempted to work cooperatively with the current servicer but continue to face difficulties obtaining answers and relief regarding this loan modification. We respectfully request immediate review and assistance from the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: WA

Complaint narrative:
I am disputing a residential collection account connected to XXXX XXXX XXXX and Sentry Recovery & Collections. In XX/XX/year>, I experienced an attempted residential burglary at my apartment unit. An official police report was filed with the XXXX XXXX XXXX XXXX XXXX Police Department documenting the attempted forced entry at the residence. Due to concerns for my personal safety, I vacated the property shortly after the incident. Despite the documented emergency circumstances surrounding my move-out, significant early termination fees and additional charges were added to the account and later reported to collections. I previously disputed the reporting through XXXX. I am requesting investigation into the accuracy and fairness of the balance being reported, validation of the associated charges and fees, and review of the collection account considering the documented safety circumstances connected to the move-out. Supporting documentation including the police report and move-out statement has been attached for review.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sezzle Inc.
State: GA

Complaint narrative:
I am filing an official complaint against Sezzle , Inc. for systemic violations of the Fair Credit Reporting Act ( FCRA ) and deceptive billing practices. I am actively attempting to resolve a closed 'Sezzle Up ' account ahead of an upcoming auto loan application. However, Sezzle is maintaining completely contradictory, inaccurate, and inflated balances across its platforms, making it impossible to clear the debt accurately. As proven by my attached evidence : Sezzle is currently furnishing a static, frozen 'Charge-Off ' balance of exactly {$610.00} to my official credit files. When I contacted Sezzle support to settle, agent 'XXXX XXXX explicitly stated in writing that the total outstanding sum required to clear the debt is {$980.00}. Simultaneously, when logging directly into the live Sezzle mobile app dashboard, the platform demands an entirely different total of {$980.00}. Under the FCRA, a financial institution can not legally report a low balance to the credit bureaus to protect their reporting metrics while extorting vastly higher, fluid amounts from the consumer privately. This data is inherently inaccurate, unverified, and non-compliant. Because Sezzle is unable to maintain a single, legally accurate ledger for this account and refuses to offer a transparent path to resolution, I demand that Sezzle 's executive compliance team investigate this mathematical failure, update my balance to {$0.00}, and permanently delete the negative Sezzle Up tradeline from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Sezzle Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding recurring Sezzle Premium subscription charges that I do not believe I knowingly enrolled in. After discovering multiple monthly charges, I contacted Sezzle support and explained that I did not intentionally subscribe to Sezzle XXXX as a recurring membership. I was initially informed that a full refund had been issued, but only a single {$12.00} charge was actually refunded. Sezzle later stated that older charges could not be refunded because the subscription had been used, but I was not provided clear evidence showing when or how I knowingly consented to enrollment in this recurring subscription service. I attempted to resolve the issue directly with the company and through my bank, but my bank advised that older transactions were outside their dispute timeframe. I am requesting review of the remaining unreimbursed subscription charges and clearer disclosure regarding enrollment into recurring Sezzle XXXX billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX XX/XX/year> payoff statement confirms that the principal balance is {$290000.00}, while the claimed payoff is {>= $1,000,000}. The difference is driven primarily by {$450000.00} in interest and {$270000.00} in escrow/funds allegedly owed by borrower. This supports our position that our {$300000.00} short payoff offer is commercially reasonable because it exceeds the stated principal balance, and that the excessive payoff amount is the result of disputed servicing charges, interest, escrow advances, and foreclosure-related costs accumulated during a long-pending disputed foreclosure matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Shellpoint/NewRez acknowledged my written inquiry and records request on XX/XX/year>, stating it was gathering information and needed additional time due to the complex nature of the matter. I requested servicing, payoff, transfer, estate/successor-in-interest, loss-mitigation, credit-reporting, call log, internal note, and payment records. As of today, I have not received the full substantive response or requested records. This delay is causing continuing harm. The unresolved servicing, payoff, estate/successor-in-interest, loss-mitigation, and credit-reporting issues contributed to my inability to refinance or resolve the loan normally and forced me into high-cost hard-money financing. I am now facing hard-money extension pressure, increased costs, credit harm, and risk of losing the property. On XX/XX/year>, I sent Shellpoint/NewRez a final status demand asking for the investigation status, assigned reviewer or department, expected response date, preservation confirmation, and production of the requested records. I am requesting CFPB require a complete, document-supported response, correction of any errors, preservation of all records, and monetary relief for damages caused by the servicing delays and failures.

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 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: GA

Complaint narrative:
I signed up for " Fizz '' and paid {$59.00} for an annual subscription then they turned into " MINE '' and I never received a debit card, and complained about that, then they informed me they were no longer in business and I've requested a refund of my subscription fee since they went out of business. Money transfer services Prepaid or digital wallet services XXXX subscription / account service Why your statement says Mine or Fizz Thats just the merchant descriptor changing after the rebrand ( Mine Fizz ). Banks often keep both names in the billing label so charges still match old subscriptions.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: NY

Complaint narrative:
Half of my student loans were forgiven in XXXX, the amount I owe is about {$43000.00} but on all my reports it says that my debt is {$73000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: PA

Complaint narrative:
Skrill has restricted my account since XX/XX/XXXX. Ive called, emailed and used the contact us. Ive not received any emails except scam ones. When I spoke to someone, they said Id hear back from XXXX hours and its been weeks. I want my money out of Skrill and to close the account but they are holding it and not communicating with me. Ive had it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Spring Oaks Capital LLC. In XX/XX/XXXX, I requested validation and proof that this alleged debt belonged to me. The company failed to provide sufficient documentation verifying that I was responsible for the account. Following my dispute, the account was removed from all three credit bureaus. In XX/XX/XXXX, the same account for {$4200.00} was reinserted and reported again on all three credit bureaus without providing me any new documentation, proof of ownership, signed agreement, or other evidence showing the debt belongs to me. The account currently shows as placed for collection and was last reported on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), a furnisher of information must conduct a reasonable investigation and provide accurate verified information before reporting or reinserting a disputed account. I was never provided notice of reinsertion or any validation supporting this debt. I am requesting that Spring Oaks Capital LLC provide complete validation of this alleged debt, including signed agreements and proof of responsibility, or immediately remove the account from all credit reporting agencies. I am also requesting an investigation into why this account was re-reported after previously being deleted due to lack of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: OR

Complaint narrative:
They have repeatedly called an XXXX girlfriend from XXXX years ago. She has nothing to do with me. They talked to my Wife on XX/XX/XXXX and still continued to call my XXXX girlfriend leaving her messages. I spoke to srs today XX/XX/XXXX asking for a copy of the debt and they still will not provide me a statement. I also told them after I get a copy of the debt I will set up a payment plan but the debt collector XXXX continued to push the XXXX time payments, then XXXX payments with a down payment deals. I then told her I would like to get paid first and see what I have afterwards then Im willing to set up a payment plan. She asked me what is the problem the down payment or the payment amounts, I then said Id like to see what I can pay first. She continued to harass the issue without verifying the debt, then said Im transferring you to a account XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: VA

Complaint narrative:
I rented a vehicle from XXXX from XX/XX/XXXX to XX/XX/XXXX and purchased insurance coverage. At the time of return, XXXX staff inspected the vehicle and did not identify any damage or issues. I was not asked to sign any document acknowledging damage. After I had already left the location, XXXX later claimed there was damage to the vehicle and demanded payment. I disputed the charge and requested supporting documentation, including photographs, repair estimates, and an explanation of how the amount was calculated. Despite the dispute remaining unresolved and no proper documentation being provided to me, the matter was referred to a third-party debt collector, Summit A * R Inc. , which is now attempting to collect {$680.00}. I believe the debt amount is disputed and unsupported, and I am requesting proper validation of the alleged debt and confirmation that no negative credit reporting will occur while the matter remains disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I'm at work and have received calls daily from the exact same phone number with the same Receptionist saying the same thing. I have given them what they were requiring ( payment ) They are continuously pushing me to pay more than promised between parties and it is becoming borderline harassment. I can not focus at work with this companies calling tactics.

Company response to consumer: Closed with explanation