vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home 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: Village Capital & Investment LLC
State: CA

Complaint narrative:
My Name is XXXX XXXX XXXX, I am a 100 percent XXXX veteran. I am a federal employee and last XXXX I was hospitalized at the XXXX. I wasn't aware federal employees do not rece3ive XXXX XXXX XXXX and was placed on paid without leave for XXXX on leave without pay. When i returned to work, I had fallen behind four months and submitted a payment for {$7000.00} to Village Capital and Investments. They said I still owed {$5600.00} and I did not have it. When I submitted a hardship claim they denied it because I had just refinanced the home a couple of months before. This company refinanced my home at a value that did not meet the current market value and raised my interest rates from 4.3 to 6.75 % making my payments almost {$1800.00} more per month. I bout the home in XX/XX/XXXX and had never missed a payment until XXXX of XXXX. I continued to submit several hardship fillings and they kept denying me. XX/XX/XXXX, we were furloughed and I lost income for 45 more days. This entire time Village Capital Investments refused to work with me to help me catch up with the missing payments. They wanted the entire amount or nothing. I called my VA home loan technician and he has been completely unresponsive. I made several call and emails to him and he has still to help me. I called HUD and they gave me advice but said it was too late and suggested I short sale my home. I feel Village Capital took advantage of my financial situation, they should have never refinanced my home for a an amount that my home did not meet, and I wish they would have worked with me to come up with a plan to allow me to keep my home. They have been completely unresponsive and ignored my pleas for help. I honestly don't know what to do. I am XXXX XXXX XXXX, XXXX veteran and feel completely taken advantage by a company that as I have researched has taken advantage of fellow veteran other people in financial needs. Please if there is anything you can do to help me ; I will be eternally grateful. respectfully, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
There is past complaint starting year XXXX through now Case # XXXX ext. These cases complaints were filed with government agencies and never have been resolved. I still like to know who open the account and how much currency went in and out of the Kansas XXXX XXXX account with XXXX and where the currency was Deposit and Withdrawal from did the fund stay International or Domestic and who would get the full audit reports about the account activates and statements and Admin logins what is the policy and procedures of using a company 's XXXX number and Business Name to open an account and who over sees all the transactions of the accounts outside of your company this is unfair and deceptive practice and I am a victim of a unauthorized account with your company. Please disclose all requested information that I have been asking for years. I have reached out to your company many of times in the past for your company to tell me that you can not talk to me about an account that is with your company that is in my XXXX and Business Name due to someone else opening up the account and that you can not talk to me because I did not open the account up. Why would someone need XXXX different Terminals please explain. XXXX Terminal ID:XXXX Terminal ID:XXXX PAGE XXXX XX/XX/XXXX XXXX XXXX XXXX ERROR XXXX DETAIL ERROR CLOSE DATE? XXXX. XX/XX/XXXX MON XXXX XXXX XXXX ERROR XXXX DETAIL ERROR? XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX ERROR XXXX DETAIL ERROR RECOVERY? XXXX. XX/XX/XXXX WED XXXX XXXX XXXX ERROR XXXX DETAIL ERROR? XXXX Terminal ID:XXXX Terminal ID:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I deposited a check for a decent amount and instead of giving me real-time funds availability at all XXXX dollars they gave me a 10 day hold essentially and disperse my funds from a check every so many days which is way way way way way way below the industry standards any bank at XXXX XXXX XXXX any big bank in the world will give you some money so theyll give you a few XXXX XXXX to hold the rest sometimes its understandable sometimes Ill give you it all some of this has to do with how long youve been a customer but to give XXXX dollars is mind-boggling and should be basically impossible unless they can prove it its fraud or some kind of issue then they should immediately deposit the funds so this is a gap in their process business and technology has an and completely nothing to do with the customer. the customer is not a fault in any way shape perform here and you were screwing over the customer entirely in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I worked for my state government since XXXX. Within a month of getting that job, I have been trying to get off forbearance and trying to start making the XXXX payments to get PSLF ; I applied and waited, consolidated and waited. I have jumped through every hoop, even applying several times for an income driven repayment plan. As of XX/XX/XXXX, my consolidated loans are still in forbearance while wait yet again for approval to start a repayment plan. My last request was denied for no documentation which was not true, I uploaded them while on the phone with the XXXX people. I even made a {$200.00} payment in XX/XX/XXXX, but that was not applied to my loans. It only says received in my MOHELA account. And the online system will not allow me to set up automatic payments. In the meantime, my loans amounts increase every month by at least {$400.00}. I now owe {$63000.00}, when I borrowed half that amount, because of compound interest while being on forbearance and the difficulty in getting the PSLF started ; none of this being my fault. I would really appreciate some help as I seem to be getting nowhere with MOHELA or XXXX XXXX. I have documentation for all of this, just not on my phone.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home 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: CA

Complaint narrative:
I am submitting this complaint regarding ongoing communication failures and poor coordination by Shellpoint Mortgage Servicing while they hold insurance proceeds related to the total loss of my home in the XXXX XXXX XXXX XXXX. Since the fire, Shellpoint has been holding insurance funds related to the rebuilding of my home. Throughout this process, communication from Shellpoint has been consistently difficult and confusing. I have repeatedly encountered situations where Shellpoint representatives appear unaware of applicable legal requirements, fail to direct my requests to the appropriate department, or provide incomplete responses that require additional follow-up. Most recently, this issue has arisen regarding interest payments owed under California AB 493. Shellpoint previously issued interest payments covering approximately two months, which indicated that the company understood and acknowledged its obligation to pay interest on the insurance proceeds being held. However, when I followed up regarding the next payment, my written requests went unanswered for an extended period. Instead of addressing the request, I was eventually told that my inquiry had been sent to the wrong department and should be directed elsewhere. This occurred more than a month after my original inquiry, despite the fact that the same department had previously handled the earlier payments. This pattern reflects a broader issue I have experienced during this process : Shellpoint representatives frequently appear unaware of my rights, provide inconsistent guidance about where requests should be directed, and fail to coordinate internally to ensure timely responses. As a wildfire survivor actively trying to rebuild my home, these communication challenges have created unnecessary delays and uncertainty. I am simply seeking clear communication, accurate information about my rights, and timely handling of matters related to funds that Shellpoint is currently holding.

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 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Hi, In XXXX, XXXX XXXX in South Carolina allowed someone to sign up and receive services for an unknown customer using my identity. XXXX got involved in XXXX and dismissed it as identity theft and erased it from my records. Then in XX/XX/XXXX, a collection agency is now trying to get the amount of money which was supposedly closed the previous year. In both cases, the same amount of XXXX. A police report was made recently as well as two years ago. The collection agency and XXXX have both been notified that this is not my responsibility! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
{$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account Number : XXXX XXXXXXXX To Whom It May Concern : This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy. You are hereby directed to immediately stop : Telephone calls to my home, cell phone, or place of employment Emails or electronic communications Text messages Letters, except as permitted under the statute Contacting third parties regarding this alleged debt Be advised that any continued contact beyond what is permitted under federal law will be documented as a violation rfrof the FDCPA and may result in a complaint being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or civil action for statutory damages, attorneys fees, and costs. This notice does not constitute an acknowledgment of the alleged debt, nor does it constitute a refusal to pay. It is simply a demand that you cease communication as provided under federal law. Govern yourselves accordingly. Sincerely, 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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/ 2025 I could no longer access my account and my funds were frozen its been almost a year Ive called XXXX times requesting my funds and why my account was closed how long it would take and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Bank XXXX XXXX keeps reporting incorrect information on my credit report I informed them I'mXX/XX/XXXX and have been since XX/XX/scrub> 2021 I have submitted all the documents they need to prove I didn't make these charges

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Top Line Collectors LLC
State: TN

Complaint narrative:
I want to make a dispute a collection agency to top Line Collectors LLC. So I want to opt-out and to remove from this account XXXX XXXX XXXX to be Removed this old account XXXX And XXXX Reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
XXXXI recieved a call from the number XXXX XXXX XXXX around XXXX XXXX. The caller ID saiXXXX XXXX XXXX XXXX XXXX which I interpret as Los Angeles District Attorney. I looked up the number and it happend to be a voip. I called them back and it was Net Pay Advance, a payday loan company I have an outstanding loan with. This is a very shady tactic to make someone pay. It is highly illegal!'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Formal Dispute Regarding Denied Welcome Offer ( Case # XXXX / Ref # XXXX ) XXXX. Nature of Dispute : Deceptive Marketing & Breach of Contract I am filing this complaint because American Express failed to honor a targeted Welcome Offer of XXXX + XXXX bonus miles ( XXXX total ). Despite fulfilling the spending requirement, Amex denied the bonus based on " account history, '' while failing to provide the mandatory notification required by its own terms. 2. Core Argument : Violation of Prior-Notification Policy According to Amex 's official Terms and Conditions ( quoted by Supervisor XXXX, XXXX # XXXX, on XX/XX/year> ) : " If they are not eligible for a welcome offer, we will notify them prior to processing their application so they have the option to withdraw their application. '' Fact : No such notification or " pop-up '' warning was provided during my application process. Instead, the system presented the XXXX offer and encouraged me to apply. By failing to provide this mandatory warning, Amex induced me to open the account under false pretenses. 3. Performance in Good Faith Relying on the offer presented, I have already spent over {$3000.00} in eligible purchases. I have performed my contractual obligation in good faith. Amexs refusal to honor the miles after accepting my spend is a classic " Bait and Switch '' practice. 4. Inconsistent Resolutions During my disputes, Supervisor XXXX XXXX on XX/XX/year> ) acknowledged a discrepancy and offered a XXXX settlement, which confirms Amex internally acknowledged an error existed. However, on XX/XX/year>, Supervisor XXXX admitted the " backend tools '' did not detect the error but refused a manual override, despite being presented with screenshot evidence. 5. Desired Resolution I request a manual adjustment of XXXX bonus miles to my XXXX account immediately for the {$3000.00} spend already completed, and confirmation that the remaining XXXX " XXXX '' offer remains active for the additional {$2000.00} spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I accidentally booked a hotel reservation through XXXX ( Itinerary # XXXX, XXXX XXXX XXXX ) for {$14000.00}. Within two minutes, at XXXX XXXX, I contacted XXXX 's virtual agent and requested cancellation. The virtual agent confirmed : " OK, I canceled your booking and sent a confirmation to XXXX. '' At XXXXXXXX XXXX, XXXX 's automated system sent a cancellation confirmation email with a " Refund Summary '' explicitly stating a refund would be issued to my payment method. Despite this, I was charged {$14000.00} on my Capital One XXXX card. I filed a dispute ( XXXX XXXX. XXXX ). Capital One denied my dispute, citing XXXX 's claim that " no cancellation per policy was received. '' I then obtained XXXX 's actual dispute response packet submitted to Capital One. That packet contains a screenshot of XXXX 's own internal system showing the reservation status as " Canceled '' directly contradicting XXXX 's stated reason for denial. The same packet lists my billing address as " Any street1, Any street2, Any city, USA '' a placeholder, not my real address raising serious questions about the reliability of the documentation Capital One used to deny my claim. XXXX 's own representatives also issued contradictory statements within XXXX days : on XX/XX/XXXX, XXXX stated the reservation " remains active in their system, '' while on XX/XX/XXXX, XXXX 's XXXX XXXX XXXX wrote that the reservation " has already been cancelled. '' I submitted a comprehensive rebuttal package to Capital One via certified mail ( XXXX tracking XXXX ), delivered approximately XX/XX/XXXX, before the XX/XX/XXXX deadline. Capital One closed the case again on XX/XX/XXXX the same day the certified mail arrived without substantively engaging with my evidence. This is the third denial. Capital One has never explained what specific information was missing or how my evidence was evaluated. The merchant 's own documentation contradicts the basis for denial. Capital One has failed to conduct a reasonable investigation as required under the Fair Credit Billing Act. Desired resolution : Permanent credit of {$14000.00} to my account and a substantive written explanation of how my evidence was evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was scammed by a scammer which I can see why it would seem like a lost cause but Wells Fargo had a date breach and let scammers have all my information. First it starts with a text saying someone tried to take {$3000.00} from my account is this you? I respond with no and they said a banker will be with you momentarily and I got a call 5 minutes later. Mind you the last time someone tried to use XXXX XXXX with my card on their phone and the exact same process happened. So the person who called me said is this XXXX XXXX. I say yes I give them no information at all and he continues to say this is XXXX XXXX with the account number continue to say my entire account number and then proceeds to ask if I have access to the debit card with the card number proceeds to say my entire card number. Mind you I never told him any of my information he already had access to all of it so of course Im thinking this is a legit banker and not even thinking twice about it at first. Then they say they need to find out which transactions are fake ones and starts reading all my past transactions in my bank history and Im telling him its me. So not only does he have access to my banking history and previous transactions but as well as my account number and debit card number. Then they go we need to close your account and open up a new account and the bank wasnt open at this time so I needed to do it myself he said. So I pulled my money out with XXXX XXXX and left it in there because Im not going to just transfer it over to another account without making sure so they guy says that they have closed my account and ready to process a new account. So of course to make sure its legit I tried signing into my account and it didnt work multiple times so I assumed they really did close my account. When in reality they logged into my account and changed my password from a different device not even in the state and Wells Fargo didnt flag it or anything. I tried to file a claim with them to get my money back and they denied the claim saying I allowed it. But in my defense they had access to all my information that only a Wells Fargo banker would know. So Wells Fargo allowed someone to breach their systems and recover all my information and even sign in to my account from another device and change my password and mind you I have never logged into my account on any device but the cellphone I own. All I want to do is get back that {$3900.00} or ast least half of it because thats what I was going to use to pay my taxes. Please help me and tell me what next steps i should take.

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