vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA 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: Selene Holdings LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding the handling of my loss Mitigation application by XXXX XXXX. on XX/XX/XXXX. I submitted a complete loss Mitigation application, including all documents requested by the lender. These documents included pay stubs, bank statements, and tax returns. Since that time, I have fully cooperated and promptly provided every item requested. As of today, it has been 12 days since submission to state that they are still reviewing documents for " completeness. I am concerned that the review process is unnecessary being delayed. Foreclosure XX/XX/XXXX it is urgent. lender may sell my property without further notice. The lender may continue delaying the review if my application until it is too late for me to save my home and take action to avoid foreclosure.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Regarding Misleading Settlement Letter Language Resurgent Capital Services/ LVNV Funding LLC To Whom It May Concern, I am submitting this complaint regarding the conduct of Resurgent Capital Services, acting on behalf of LVNV Funding LLC, concerning a settlement payment that has already been successfully processed and paid. On XX/XX/XXXX, I made an agreed-upon settlement payment in the amount of {$470.00} to resolve an alleged account handled by Resurgent Capital Services / LVNV Funding LLC . The payment was made using a debit transaction, and the funds were successfully processed and issued by my financial institute. I asked for a paid in full settlement letter, in which I was told that I would not receive for 3-4 days after payment is processed. I received the paid in full letter from Resurgent/LVNV on XX/XX/XXXXXXXX but the provided received settlement letter ; however, contained the following language : " In the event that this payment is returned as insufficient funds, this settlement and letter will become void. '' Because the payment was made via debit card and has already been processed and issued by my financial institution, there is no possibility of the payment being returned for insufficient funds in the same manner as a paper check. Therefore, I requested that Resurgent Capital Services correct or remove this language so that the letter accurately reflects the status of the account. Resurgent Capital Services informed me that they will not change the language in the letter for 30 days, despite the fact that the payment has already been received and confirmed. In my view, this practice is misleading and potentially harmful because the letter does not accurately reflect the confirmed settlement status of the account. I am requesting that the CFPB review this matter and require Resurgent Capital Services/ LVNV Funding LLC to : Issue a corrected settlement letter clearly stating that the account has been paid in full and settled without conditional language implying the settlement could become void after payment has already been received and processed. Confirm that the account has been properly updated with all credit reporting agencies as settled/paid in full according to the settlement agreement. Ensure their written communications accurately reflect completed payments and do not contain unnecessary or misleading conditional language once funds have already been processed. I have documentation from my financial institution confirming the payment was successfully issued and can provide this documentation upon request. As well as the receipts from Resurgent/LVNV. Thank you for your attention to this matter. I respectfully request that this issue be investigated and resolved promptly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Ocwen Financial Corporation
State: MI

Complaint narrative:
Have tried for over a month to get what needs to be payed to bring the account current. During this they have called back and said they need more time. This has happened four times. Now it is in foreclosure. They will not give me an amount and will not let me pay to bring it current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Our Amortization schedule was supposed to have our PMI automatically dropped off on XXXXI called sometime around XXXX, XXXX, and asked for it to be removed but still no action was taken despite us being below the 78 %. I contacted my mortgage company approximately XX/XX/XXXXXXXX and again around XX/XX/XXXXXXXX and also on XX/XX/XXXXXXXX but to no avail. Our purchase price was {$310000.00} with a down payment of {$15000.00}, leaving us a balance of {$290000.00}. Our appraisal at purchase was {$310000.00}. Since reaching our 78 % LTV on XX/XX/XXXX, our mortgage company still took the payment of {$260.00} for the last 9 months through the current date totaling {$2400.00} that we never should have had to pay. Shellpoint mortgage is requesting us to pay for an appraisal ( cost XXXX ) before removing the PMI. however, now that our loan is presently at 76 % if they want an appraisal they can pay for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
I am disputing the validity of this debt. This account does not belong to me. Under the Fair Debt Collection Practices Act, provide full validation including : Original creditor Signed agreement Full account history

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 2026-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit collection services XXXX XXXX XXXX XXXX MA XXXX at XXXX phone number XXXX Charging me double the amount of the original debt. Original debt from XXXX XXXX XXXX Amount they're claiming {$1000.00} XXXX fee was only {$480.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
CFPB COMPLAINT READY TO SUBMIT Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX Phone : [ your phone ] Email : [ your email ] Companies Being Complained About : XXXX XXXX XXXX Midland Credit Management , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Alleged Account Balances : Creditor Alleged Balance XXXX XXXX XXXX {$2500.00} Midland Credit Management, Inc. {$630.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$810.00} [ Other ] [ balance ] Type of Complaint I am disputing an item on my credit report Debt collector is reporting a debt I do not owe / attempting collection fraudulently Description of the Problem I am filing this complaint because the above creditors are reporting accounts and attempting to collect debts I do not owe. I did not authorize any of these debts, and they appear to be the result of fraud, identity theft, or administrative error. I have already : Sent formal disputes to XXXX XXXX XXXX XXXX for all accounts. Sent cease-and-desist letters to each creditor demanding : Original wet-ink signed contract or application Complete chain of assignment/ownership Proof of authorization and licensing to collect in Missouri Full accounting of all balances Despite these actions , the accounts remain on my credit report, and some creditors continue collection attempts. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. What I Want Immediate removal of all inaccurate, unverified accounts from my credit report Cessation of all collection activity until verification is provided Written confirmation that each account has been removed or corrected Federal oversight to ensure creditors comply with legal obligations If the creditors can not verify these accounts with competent, admissible evidence, continued reporting or collection constitutes willful violations of federal law. I reserve the right to pursue statutory, punitive, and actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've already sent a letter to the Bureaus about the mistakes and unknown entries on my credit report, but I still haven't heard back after 30 days. It feels like I'm being ignored, and my disputes aren't being taken seriously. Per Section 611 ( a ), if these issues aren't looked into within 30 days, they should be removed from my report. Since it's been over that time, I expect these accounts to be updated right away. If that doesn't happen, I might have to consider legal action because this whole situation has been really XXXX for me. Plus, my info was impacted by the Equifax, Experian, and Transunion data breach, which makes me worry about the safety of my personal data.

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 2026-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
AFFIRM INC # XXXX I am formally requesting verification of the collection account reported on my credit report. under the fair credit reporting act, you are required to report only information that is complete and verifiable. I am requesting that you provide full documentation supporting this account, including : -original signed contract -complete payment history -proof of lawful collection -copies of all notices sent to me including right to cure and sale notice -detailed balance calculation if you are unable to provide this documentation, then under the FCRA, this account must be removed from my credit report immediately. Additionally, if any portion of this account is inaccurate, incomplete, or unverifiable, I demand its deletion. Please investigate this matter and respond within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I am disputing a collection account in the amount of {$230.00} that has been reported on my credit file. I previously disputed this account with the credit bureau, stating that this debt does not belong to me. The account was marked as " verified, '' however, no documentation or evidence was provided to support that this debt is mine. I have requested validation of this debt, including a copy of the original contract, proof that the debt belongs to me, full account history, and documentation showing the company has the legal right to collect this debt. To date, this information has not been provided. The continued reporting of this unverified debt is inaccurate and damaging to my credit. I am requesting that the company either provide proper validation of this debt or immediately remove it from all credit reporting agencies. This complaint is being submitted under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am reporting unauthorized transaction ( s ) on my account that occurred after my wallet was stolen. These transactions were not authorized, initiated, or benefited from by me and are inconsistent with my account history. I promptly notified the institution and filed a dispute ; however, the claim was denied based on a chip transaction determination without sufficient consideration of the circumstances. I have since submitted a police report and a Federal Trade Commission identity theft report to support my claim. Despite providing this documentation, I am concerned that a reasonable investigation has not been conducted as required. A chip transaction alone does not confirm authorization, especially in cases involving theft. I am requesting that the institution conduct a proper reinvestigation, correct the error, and reimburse the unauthorized amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BILL.COM, LLC

Complaint narrative:
I am filing this complaint against XXXX XXXX ( also known as XXXX XXXX XXXX XXXX ), a payment processing company headquartered in XXXX XXXX, California. I am a freelance translator based in XXXX. My US-based client, CQFluency ( a translation agency operating in the United States ) , sent payment for services I rendered in the amount of {$1800.00} USD through Bill.com, a platform I did not choose and had explicitly asked XXXX on multiple occasions not to use, requesting XXXX as an alternative. XXXX has been holding these funds for nearly two weeks under the pretense of " account verification, '' despite the fact that my account had already been verified previously. I have submitted all requested documentation, including government-issued identification and bank statements, and have received no satisfactory explanation for the continued delay, nor any clear timeline for resolution. When I contacted CQFluency to request that they recall the payment and send it via an alternative method, I was told that Bill.com is refusing to return the funds to them until the verification process is complete meaning I am unable to access my money and my client is equally unable to retrieve it. This situation represents an unreasonable and unexplained withholding of earned wages by a payment intermediary. I did not enter into a voluntary agreement with Bill.com, and I have fully cooperated with their verification requests. The funds in question represent payment for completed professional services. I am requesting that the CFPB investigate Bill.com 's practice of indefinitely withholding funds from payees particularly freelancers and independent contractors who are compelled to use this platform by their US clients without clear justification, a defined timeline, or any recourse. I am also requesting assistance in recovering my {$1800.00} USD without further delay. Amount withheld : {$1800.00} USD Company : BILL.com LLC / BILL Holdings , Inc. Date funds sent by client : [ INSERT DATE ] Documents submitted : Government-issued ID, bank statements My client ( payer ) : CQFluency, USA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Issue : PayPal permanently limited my account and is holding my funds for 180 days without a clear explanation, even though I verified my identity and confirmed all transactions. Details : I have been a PayPal customer for approximately XXXX years with no disputes, chargebacks, or policy violations. Recently, I received three incoming payments : XXXX. A personal rent payment from another PayPal user XXXX. XXXX small deposits from a mobile game called XXXX XXXX, which were processed through XXXX XXXX XXXX XXXX XXXX XXXX After these transactions, PayPal asked me to confirm whether I recognized them and to upload proof of identity. I confirmed all three transactions and submitted my ID as requested. Despite fully cooperating, PayPal permanently limited my account and placed a 180day hold on my balance until XX/XX/XXXX. PayPal has not provided a clear reason for the limitation, and customer service representatives have been unable to explain the decision or escalate the matter. These transactions were legitimate, personal, and lowrisk. I am not a business, I do not sell goods or services, and I have no history of disputes or fraudulent activity. I believe PayPals automated risk system incorrectly flagged the deposits from the game app, and my account was closed without a proper manual review. Requested Resolution : I am requesting that PayPals Compliance Department conduct a full review of my account and either : - restore my account access, or - release my held funds early, as there is no risk of chargebacks or fraud. I am asking the CFPB to assist because PayPal has not provided a meaningful explanation or path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
I received frequent calls from this debt collection company in which a representative threatened that my credit would be damaged and used abusive, uncooperative language. As a result I requested all further communication be conducted in writing only and submitted a formal debt validation request. The company subsequently sent a written settlement offer. I responded with a formal written counter offer via XXXX Certified Mail on XX/XX/year>. The letter was confirmed delivered on XX/XX/year> and required written acceptance within 14 calendar days, establishing a deadline of XX/XX/year>. No response was received. On XX/XX/year> I sent a second and final written notice via XXXX Certified Mail extending the settlement offer for a final 14 calendar days from confirmed delivery. This letter referenced the prior unanswered correspondence, included documented delivery confirmation, and outlined that a CFPB complaint would be filed if the matter was not resolved. No response was received to this letter either. On XX/XX/year> I discovered this account is actively reporting to XXXX. The company 's own correspondence dated XX/XX/year> confirms they have been reporting this account throughout our negotiation period. Despite two unanswered certified letters requesting pay-for-delete as a condition of settlement, the company continued reporting without engaging with my written terms. The company threatened credit damage verbally, ignored two formal certified letters, and followed through by reporting to XXXX while written negotiations were open. I am requesting the CFPB compel this company to engage in good faith resolution and permanently delete this tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NY

Complaint narrative:
I initiated two international transfers via Abound from the United States to XXXX : Transaction ID : XXXX ( XX/XX/year> ) Transaction ID : XXXX ( XX/XX/year> ) The expected delivery date was XX/XX/year>. As of today, the funds ( ~USD XXXX total ) have not been delivered, and the company has failed to provide any response despite multiple follow-ups. This delay has caused direct financial harm, including additional loan interest and penalties, as these funds were intended for time-sensitive XXXX payments in XXXX. The company is effectively holding my funds beyond the committed timeline without explanation or accountability. I request : Immediate release of funds A formal explanation for the delay Compensation for financial losses incurred

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Affirm Holdings, Inc
State: WA

Complaint narrative:
I am submitting this complaint regarding misleading and deceptive lending practices by Affirm. I entered into a financing agreement under the understanding that the loan would carry 0 % interest or promotional financing. However, after reviewing the finalized loan terms, I discovered that the loan carries an APR of approximately 24.99 %, resulting in a finance charge of {$970.00} on a {$2600.00} loan, with a total repayment of {$3500.00}. This represents a significant discrepancy between what was presented or understood at the time of purchase and the actual terms of the loan. The financing option was not presented in a clear and transparent manner, and the true cost of the loan was not properly disclosed in a way that would allow me to make an informed decision. As a result, I was misled into accepting a high-interest loan under the impression of favorable or promotional terms, which has negatively impacted my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I am disputing this account because the reported delinquency and default status are inaccurate and unverifiable. At no point was I provided with clear or consistent information regarding : * The required monthly payment amount * The due date of any payments * Billing statements establishing a payment obligation

Company response to consumer: Untimely response