vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Hello. I need to escalate this asap. I don't know if it was ill intent or negligence but my property has been placed into foreclosure fraudulently and I'm not getting anywhere trying to escalate through customer service. My issue is with New Rez/Shellpoint mortgage servicing. In the beginning of the year I contacted them to ask for temporary relief for my few commercial mortgage payments. I was directed to submit a loss mitigation application and everything would be " paused '' while the application was being reviewed. It took over a week to get the correct information on how the application needed to be submitted. At the time of speaking with the rep on the phone, the topic of a specific loan came into discussion. To avoid any issue, I made a mortgage payment on the phone with the rep while she simultaneously submitted the mortgage assistance application. This way that once the decision comes back and collection efforts restarted I wouldnt be too far behind. Well last week I was told the " deferment '' was not available because the account was in foreclosure. When I questioned if the loan wasnt in foreclosure when the assistance application was submitted, how did it go into foreclosure while the application was being reviewed. So for me to receive the response that I received a denial because the account was in foreclosure, I raised the question of how/why did they take a mortgage payment if the account was in foreclosure? To this I have yet to receive a response that makes any sense. Based on where things are : Shellpoint took a mortgage payment from me,, and submitted a mortgage assistance application simultaneously, and instead of reviewing ethically, place the account into foreclosure immediately after taking my payment and submitting my application.

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 2026-04-19 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: OPORTUN FINANCIAL CORPORATION
State: MN

Complaint narrative:
Additionally, the information being reported contains clear inconsistencies in key identifying details, including variations in the name of the reporting entity. Such discrepancies call into question the accuracy and reliability of the tradeline as a whole. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate ; however, conflicting identifiers suggest that the data may be mixed, incomplete, or improperly verified. Despite these issues, the account continues to be reported as accurate, demonstrating a failure to conduct a reasonable investigation and further supporting that the reporting is misleading and legally deficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On approximately XXXX XXXX, 2026, Citi placed a security review hold on my Citi XXXX XXXX credit card ( ending XXXX ) following a large payment that cleared the balance to {$0.00}. Citi has informed me via phone that the hold will remain in place until XXXX XXXX, 2026 approximately XXXX weeks. During this period : * The card has XXXX available credit despite a {$12000.00} credit limit * The card can not be used for any purchases * I received no advance notice that a freeze would be placed * I received no written documentation of the freeze or its duration ( the XX/XX/XXXX release date was communicated only verbally ) * Citi customer service representatives have offered no option to expedite, no identity verification process, and no documentation I could provide to shorten the review The account is in good standing. The balance is {$0.00}. My FICO score is XXXX. I have been a customer in good standing with no disputed charges or unusual activity beyond the single large payment that triggered the review. A three-week restriction on an account with XXXX balance and no outstanding issues with no notice, no written explanation, and no option to expedite is unreasonable treatment of a customer in good standing. It also leaves me without access to my primary credit line for nearly a month through no fault of my own.

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 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I purchased a used vehicle from a dealership on XX/XX/2025 and financed it through a third-party lender. At the time of purchase, I was at the dealership for several hours and was not provided complete copies of the documents I signed before leaving with the vehicle. After taking delivery, I was later contacted by dealership staff weeks later and informed that the loan had not yet been fully funded. I was asked to provide additional documentation, including personal records, weeks after I had already taken possession of the vehicle. I was also told that failure to provide this documentation could result in the vehicle being taken back. This indicates that the financing was not finalized at the time of delivery, yet I was allowed to leave with the vehicle and enter into a loan obligation. I was not clearly informed that the transaction was conditional or that the financing was still pending. And they refused to give me the paperwork I signed. I reached out to salesman XX/XX/XXXX & XXXX regarding receiving zero paperwork after sale and was repeatedly ignored. The vehicle began developiong multiple serious mechanical issues. Within XXXX months of purchase, the vehicle experienced transmission problems, followed by alternator failure, and later a fuel-related issue that required medical attention. Ultimately, the engine failed at approximately XXXX miles, rendering the vehicle inoperable. When I contacted the dealership after the engine failure, I initially received a verbal offer of a full buyback and replacement vehicle. However, when I returned to the dealership, that offer was not honored. Instead, I was presented with different and inconsistent terms, including a written offer to cover 90 % of repairs, followed later by a 50 % repair offer. During this time, my credit was also run again in an attempt to place me into a new loan rather than resolving the original issue. I have now been without a functioning vehicle since XX/XX/2025, but only having it in my possession for XXXX months while still being obligated on a XXXX year loan. Despite repeated attempts to obtain clarification and assistance, I have not received a consistent or meaningful resolution. I believe this situation reflects a conditional or spot delivery transaction in which the financing was not finalized at the time of delivery, combined with inconsistent and misleading representations regarding both the loan and the resolution of the vehicle issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Apparently, sometime at the end of 2025 the company Fortiva took over a company called XXXX, that I had credit with through XXXX furniture. I received nothing by mail or email advising me or prompting me to take any action regarding this new management of my debt with XXXX financial. Starting in XXXX 2026 I received welcome emails and an email requesting that I download the Fortiva app because they are managing my debt now. It was at this time that I was informed that they calculate my balance and interest different than XXXX did and that my payment which was {$140.00} with XXXX is now {$200.00}. I have over and over spoke with customer service people and asked for supervisors explaining that I am on a fixed income absolutely unable to increase my monthly outlay by almost {$60.00} per month. They told me there is nothing they can do. This is the way their company calculates my payment and, They claim that I was advised of this takeover in plenty of time for my reaction. However, I wasnt and I asked for them to send that information to me as it was then and they still havent met that request. So far, I have paid this bill with the increase because I can not risk having any late payments on my good credit report. So Im forced to make these payments that I can not afford. Im making this complaint because I do not believe that this could possibly be legal in America or in the state of California. I feel totally abused by this creditor. And just the fact that they came in and bought this debt from another company to have the power over unwilling Borrowers!! This just cant be right. The only recourse I requested from this company by phone with customer service representatives and or supervisors that I requested to speak to is : that my payment remains what it was when I initially acquired this debt through a furniture purchase at XXXX XXXX XXXX. Thank you for your time and your help XXXX 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 2026-04-19 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: CT

Complaint narrative:
I am filing a complaint regarding American Expresss failure to properly investigate and resolve a billing dispute. I was charged $ XXXX by XXXXXXXX XXXX for airline tickets that were never provided. The booking agency canceled the itinerary without notifying me. I only discovered the cancellation when I attempted to check in with XXXX, and I have provided screenshots confirming that the reservation had been canceled by the booking agency. Despite submitting this documentation multiple times, American Express has refused to reverse the charge, claiming insufficient evidence, without clearly explaining why the evidence provided is inadequate. Additionally, the merchant is now attempting to re-bill me for the same charge, further confirming that the transaction remains disputed and unresolved. American Express has also failed to follow through on promised updates and has allowed this matter to remain unresolved for an extended period. Furthermore, I have now been contacted by American Express and advised that my account is past due and at risk of negative credit bureau reporting due to this disputed charge. This is improper, as the charge has been under active dispute and supported by documentation demonstrating that services were not rendered. I am requesting immediate reversal of the disputed charge and confirmation that no negative credit reporting has occurred or will occur in connection with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Infringing on right to privacy and reporting to unaffiliated third party 1692C of communication act

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 2026-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
Category : Debt collection Company : Columbia Debt Recovery LLC Type of problem 1. Invalid debt ( main issue ) 2. Continued email communication after restriction ( violation ) I am filing a complaint regarding an invalid debt being collected by Columbia Debt Recovery LLC on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ). This matter was previously resolved through a court-approved settlement in Massachusetts XXXX XXXX XXXX XXXX which the landlord agreed to terminate the lease and release me from any and all future financial obligations. Despite this binding agreement, the collector is attempting to collect charges that arose after the termination date, including fees and damages that are inconsistent with the settlement. I formally disputed the debt and requested validation. The documentation provided consisted primarily of internal account records and did not establish the legal enforceability of the alleged debt. Additionally, I explicitly requested that all communications be conducted via XXXX mail, yet the collector continued to communicate by email. I believe this constitutes an attempt to collect a debt that is not legally owed, as well as non-compliance with the Fair Debt Collection Practices Act. I request that this account be closed and that no reporting be made to any credit reporting agencies. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Sparrow Financial, Inc.
State: NY

Complaint narrative:
Company did not provide me with a XXXX, was not reporting by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Capital One closed both of my credit card accounts despite a history of responsible use and on-time payments. The accounts were in good standing at the time of closure, and no clear explanation was provided. This action has negatively impacted my credit profile and appears to be an arbitrary decision without transparency. As a consumer who has met all obligations, I expect fair treatment and a clear justification for such actions. I am requesting a formal review of the closures, a detailed explanation, and consideration for reinstatement of my accounts. If no valid justification exists, I request correction of any negative credit impact resulting from these closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The collection agency has confirmed they instructed deletion of this account. It is now being reported inaccurately and must be removed immediately. I've disputed XXXX XXXX XXXX account on Equifax and provided proof that not only was the account paid in full, but the collection office also provided a letter stating that it should be removed immediately. Equifax placed the balance at {$0.00} but left it on my credit. It needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. They did not provide the validation requested regarding this account. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused a great deal of stress on me, I have been trying to buy a home and this unvalidated account had been hindering me. Please help me. I feel so violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I paid off my auto loan in XX/XX/year>. Since then, I have made multiple attempts to obtain my vehicle title and confirm that the XXXX has been properly released. I visited the Virginia Department of XXXX XXXX XXXX, and both times I was informed that the XXXX is still active in their system. The lender has sent me notarized letters stating that the XXXX has been released ; however, they have not provided the title, and the XXXX has no record of the XXXX being removed. I was given a phone number for the XXXX XXXX, but when I called, the number was not in service. On other occasions, my calls have been disconnected. When I am able to reach someone, I am told they will follow up or resolve the issue, but no action has been taken. More recently, the lender stated that they never had the title. However, I contacted the dealership that sold me the vehicle, and they confirmed that this is not accurate. This issue has been ongoing for several months, and I am still unable to obtain my title because the XXXX remains active in the XXXX system. I am requesting that the lender immediately process the lien release correctly with the XXXX and provide my vehicle title without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
I am filing this complaint regarding Radius Global Solutions and their attempts to contact me about an alleged debt that I do not recognize. I received communication from this company regarding a XXXXXXXX XXXX account . I do not know who this company is, I have never had any business relationship with them, and I do not owe them any money. This debt collector has done unjustifiable practices that are prohibited under the Fair Debt Collection Practices Act. They are attempting to collect on an account that I did not agree to and for which I have no contractual obligation. A legal contract requires agreement between two parties, and I did not participate in any agreement with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime Financial Inc advertised during the weeks of XXXX XXXX XXXX you can get back XXXX on each gallon at XXXX XXXX XXXX XXXX XXXX. All I had to do was activate the reward, go to the extract location of the reward, and use my chime card to get the reward. After I used I noticed the cash back Didnt kick in after the transaction settled. I contacted customer service and they told Me I did everything right and correct and I was told to wait 9 days. Seems extremely odd, but I did. Now XX/XX/XXXX, I contacted support, and basically told me theres nothing they can do because of back end nonsense. They did not honor what they advertised. Also the supervisor XXXX didnt or couldnt fix the issue and wanted to to rush through the chat and end the chat without my okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or around XX/XX/scrub>y XXXX, 2025, a charge of {$2500.00} was made to my debit card by a company listed as Dirt XXXX XXXX XXXX FL. I did not authorize this transaction and do not have any relationship with this company. At the time of the transaction, I still had my debit card in my possession, and it was never lost or shared with anyone. This indicates that my card information was used without my knowledge or authorization. After noticing the charge, I attempted to identify the merchant. I was able to contact the company directly, and they confirmed that the purchase was made over the phone by an individual who provided my debit card number. This person was not me, and I did not authorize anyone to use my card. The company acknowledged that the card details were read to them verbally during a sales call. I requested a refund directly from the merchant, but they refused and instructed me to dispute the charge with my bank. I then filed a dispute with Wells Fargo, clearly explaining that this was an unauthorized transaction and providing the context above. Despite this, Wells Fargo quickly denied my claim in favor of the merchant without requesting additional information, conducting a meaningful investigation, or addressing the fact that the transaction was completed using card details that were fraudulently obtained and provided by a third party. This transaction meets the definition of unauthorized use under Regulation E, as I did not furnish the card or authorize its use for this purchase. Wells Fargo failed to properly investigate the claim and did not provide a sufficient explanation for denying the dispute. I am requesting that Wells Fargo reopen the investigation and reimburse the {$2500.00} unauthorized charge.

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