vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
On a notice dated XX/XX/year> XXXX received a delinquent notice in regards to property tax from Shellpoint, due to our surprise XXXX contacted Shellpoint in regards to this notice on XX/XX/year> when all tax and insurance funds are escrowed and to be submitted on the borrowers behalf. Shellpoint admitted fault on the call and stated they did not know this has occurred and will look into this matter, the fact of the matter is XXXX now has a public record of tax XXXX on file and as of this date taxes, fees, and interest are currently due. XXXX maintains a clean record with all institutions and this mishap tarnishes that record in the public eye. Below is request that was sent to Shellpoint. I am submitting a Qualified Written Request into the reason Shellpoint has delivered a delinquent tax notice, with the date of XX/XX/year>. As apart of the agreement between Shellpoint and it affiliates, Shellpoint are to collect and disburse tax and insurance funds on behalf of XXXX. Due to the negligence of Shellpoint and or its affiliates, Shellpoint has failed its obligation to disperse said funds to the city of XXXX XXXX CT, creating a XXXX and interest and fees to be accumulated. As of XX/XX/year> interest has accumulated to {$350.00} and an additional amount of {$24.00} for a lien that is recorded. Furthermore XXXX has been injured because of the lack of fiduciary obligation on Shellpoint and or it affiliates, this has become public record in the city of XXXX XXXX CT, and XXXX demands that this matter be corrected immediately before further harm can commence.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
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: AZ

Complaint narrative:
My wages were garnished by XXXX of the following companies : LVNC Funding LLC - {$6600.00} XXXX XXXX XXXX - {$3300.00} XXXX XXXX XXXX - {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I wanted to close my accounts with Santander. In branch I was able to close my Checking account, but the branch told me I had to call customer service. On XX/XX/year>, between XXXX and XXXX to close my XXXX credit card account. They said they could not close it. Instead of permanently closing the account as requested, a representative placed only a hold on the card. My online access was removed. I no longer have the credit card, and only have the last XXXX numbers. Because the account remained open despite my explicit instructions, an annual fee was later charged, followed by a late fee. There is now a {$75.00} balance they want paid. I have been on the phone several times, I keep getting sent to collections, no one will close my account.

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 2026-06-08 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: NY

Complaint narrative:
I am filing a formal complaint against American Express regarding a billing dispute for an airline transaction where the merchant went bankrupt ( Original Dispute Ref. No. XXXX ). My original transaction with XXXX XXXX on XX/XX/XXXX, was for {$300.00}. However, the flight was cancelled, and the merchant issued a XXXX XXXX specifically for the ticket value of {$290.00} ( valid until XX/XX/XXXX ). I fully intended to use this credit, but recently XXXX XXXX filed for bankruptcy and completely ceased operations, making my credit useless. My physical loss of services occurred ONLY NOW when the company collapsed. I contacted American Express, and a supervisor manually reopened the case for the exact voucher amount of {$290.00}. However, AmEx 's automated system repeatedly and incorrectly closes the dispute within hours, blindly citing the " XXXX rule from the XXXX statement date '' for the original {$300.00} charge. The automated system fails to recognize standard regulatory exceptions for merchant liquidation. Since the merchant has liquidated and services were never received, I am legally entitled to a chargeback for the remaining balance. I request American Express to manually review this case, bypass their automated blocks, and issue a permanent credit of {$290.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal abruptly froze my account without explaining why. They will not unlock or allow me to delete account unless I upload sensitive information including a bank statement, which I refuse to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 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: LoanCare, LLC
State: WI

Complaint narrative:
Complaint Against : LoanCare, LLCI am XXXX XXXX XXXX XXXX XXXX the XXXX Bankruptcy XXXX for the XXXX XXXX XXXX Wisconsin ( Case No : XXXX ), filed on XX/XX/year>. Prior to filing, I was in an active, binding Trial Period Plan ( TPP ) mortgage modification with LoanCare. I strictly complied with the terms, successfully making payments XXXX and XXXX in XXXX and XXXX XXXX third payment was due in XX/XX/year>. Because I filed XXXX XXXX bankruptcy on XX/XX/year>, the automatic stay went into effect. LoanCare immediately canceled my loss mitigation on XX/XX/year>, and has since denied my applications and refused an appeal.Under RESPA ( XXXX CFR XXXX ), a servicer can not systematically deny a borrower access to loss mitigation options solely because they exercised their legal right to file bankruptcy. LoanCares blanket denial and refusal to evaluate my application during the pre-confirmation phase of my XXXX XXXX bankruptcy constitutes a dual-tracking and servicing violation. I request that LoanCare immediately rescind the cancellation, review my modification request, and coordinate with the XXXX XXXX Trustee regarding the missing XXXX TPP payment.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to TRUEACCORD CORPORATION. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that TRUEACCORD CORPORATION currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to TRUEACCORD CORPORATION. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all XXXX items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
I am seeking immediate resolution for a PSLF tracking error on my consolidated loan. XXXX has held my file in XXXX XXXX ' under XXXX ID [ XXXX ] since XX/XX/year>, with XXXX progress. My loan servicer is Mohela. I am pursuing XXXX and was on the XXXX plan. I used the loan simulator to select a new payment plan so that I could continue to make payments and earn forgiveness. I chose to consolidate my loans as the consolidation would result in an XXXX plan with XXXX payments left. I had XXXX payments on XXXX loans and XXXX on XXXX loans. My consolidation was approved and I was put on the XXXX plan. I have made XXXX payments so far ( XXXX and XXXX ). The Studentaid website has not yet been updated to reflect the weighted loan payment counts. My old loans are still there ( {$0.00} balances ) and show the XXXX payment counts. The new loans are there with the full balance but it shows XXXX payments.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 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: First Credit Services Inc.
State: FL

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally request validation of the alleged rental debt in accordance with the Fair Debt Collection Practices Act, * * 15 U.S.C. 1692g * *. This letter serves as a written dispute of the debt referenced above. 1 ) Request for Debt Validation Please provide the following information regarding the alleged debt : 1. The * * exact amount * * of the alleged debt, including an itemization of charges ( e.g., unpaid rent, late fees, etc. ). 2. The * * name * * of the original creditor ( i.e., the landlord or property management company ) and their address. 3. The * * date of the alleged default * * and any other dates pertinent to the collection of this debt. 4. Proof that you are authorized to collect this debt on behalf of the original creditor, including any assignment or chain of title documentation. 5. A copy of the * * original lease agreement * * and any amendments or modifications signed by me. 6. Any documentation that shows my liability for this debt. 2 ) Cease Collection Activity Under * * 15 U.S.C. 1692g ( b ) * *, upon receiving this dispute, you must * * cease collection activities * * until you provide the requested validation. Continuing to pursue collection efforts without validating the debt may constitute a violation of the FDCPA. 3 ) Credit Reporting If this debt has been reported to any credit agency, be aware that you must mark this account as * * disputed * * pursuant to * * 15 U.S.C. 1692e ( 8 ) * *. Failure to do so may constitute a violation of the Fair Credit Reporting Act. 4 ) Communication Preferences In accordance with * * 15 U.S.C. 1692c ( c ) * *, I request that you cease all communication with me regarding this debt, except as permitted by law. I prefer communication strictly in writing to the address mentioned above. 5 ) Preservation of Records Please keep all records relevant to this alleged debt. If there is no response or documentation provided within 30 days, I will assume that your claim has been resolved in my favor. Thank you for your prompt attention to this matter. I look forward to receiving the requested validation documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/year> I made a Transfer from my XXXX account to my PNC account for {$310.00}. 2 transactions posted for {$310.00} each instead of only 1 Transfer. I made a dispute with XXXX for an error with 1 Transfer. The other Transfer processed and received via my PNC account. PNC decided to put my money and acct. on hold / suspension. A PNC XXXX XXXX. was incompetent in addressing the issue and decided to close my acct. and I was informed she was going to forward a check for the {$310.00}. She never processed a check nor closed the account. Now I've been awaiting my money for about 25 days. PNC notified me they had Transferred the money back to my XXXX account on XXXX XX/XX/year>. No money has been received in my XXXX acct. nor do they see a Transfer from PNC! PNC informed me on last Friday they didn't know where the Transfer is because they use a third party for Transfers! I've been waiting almost a month for my money to be returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I am a Bilt XXXX cardholder. Following the dissolution of the partnership between Bilt and XXXX XXXX, a payment I made to Bilt was not properly transmitted to XXXX XXXX. As a result, XXXX XXXX is reporting my account as having an unpaid balance, which is inaccurate and is negatively impacting my XXXX XXXX. Sequence of Events : I made a payment to Bilt for my statement balance on XX/XX/XXXX. Bilt did not forward that payment to XXXX XXXX. XXXX XXXX subsequently marked my account as past due despite my having paid. I submitted proof of payment to XXXX XXXX via fax. XXXX XXXX has not acknowledged my documentation, has not corrected the error, and continues to report the account negatively to credit bureaus. I submitted a complaint through cfpb against XXXX XXXX, XXXX XXXX responded saying that I need to resolve with XXXX. When I call Bilt they say I need to resolve with XXXX fargo. This is my last attempt, if it does not get resolved, I will look for a consumer attorney and go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I made an attempt to pay off the balance of what I owe to Care Credit on XX/XX/XXXX by phone. I have a credit card available to do this. The person I spoke to refused to accept it saying they would only take a debit card or checking account number. I am ready to pay off my debt but they are refusing my offer.

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 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity Bank XXXX beauty called my mom and my husband this morning. They left a message with my mom from XXXX at the company. When they called my husband from a private number they gave him all of my account information including the outstanding balance and how far behind on payments I was. He is not an account holder nor is he an authorized user on the account. When I called to ask about it I was told because he was my spouse they were allowed to give the information. I informed them that it was a federal offense and they said no they could give information to spouses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX, XXXX, and XXXX. If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX an unauthorized charge was made to my citibank credit card that I did not make or authorize. I disputed it in XXXX merchant responded to the bank stating they provided documentation that I authorized the transaction. I did not authorize. No other explanation was provided.

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 monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a home equity line of credit ( HELOC ) with XXXX XXXX XXXX, with payment due on the XXXX of each month. I submitted the payment due XX/XX/year> on XX/XX/year> 29 days after the due date, before any XXXX delinquency could be reported using XXXX 's XXXX mobile app, funded from my external bank account. Because I submitted the payment through XXXX 's own system, XXXX received it on XX/XX/XXXX. XXXX applied a XXXX business-day settlement hold, did not credit the payment until XX/XX/year> ( 32 days ), and then reported my account " 30 days late '' to all three credit bureaus. I filed a direct dispute. XXXX denied it, stating that no error occurred and that it credits payments only as of when funds are received ( settle ), not when I submitted the payment. XXXX 's position is incorrect. Under Regulation Z, 12 C.F.R. 1026.10 ( a ), a creditor must credit a payment as of the date of receipt, which the XXXX XXXX defines as when the payment reaches the creditor not when the funds are collected or settle. I submitted the payment through XXXX 's own app on XX/XX/XXXX, so XXXX received it on XX/XX/XXXX ; XX/XX/XXXX reflects only settlement. Regardless of XXXX 's crediting practice, reporting my account " 30 days late '' is inaccurate and materially misleading under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : I submitted a complete, authorized payment through XXXX 's XXXX platform at 29 days, and the only reason it crossed the XXXX line was XXXX 's internal settlement XXXX. XXXX has refused to correct it. This mark is harming my credit during a serious medical period and is jeopardizing a pending financial application. Attached please find my payment submission to XXXX on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief