vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, I closed on a refinance for my mortgage. The servicer was XXXX XXXX with the first payment due on XX/XX/XXXX. On XX/XX/XXXX, I paid the first payment due for XX/XX/XXXX, adding an additional amount to be applied to the principal balance for a total of {$1800.00}. The payment breakdown made on XX/XX/XXXX was as follows : {$1400.00} ( Regular payment amount for principal and interest, including escrow ), {$390.00} ( additional funds applied to the principal balance ), {$5.00} ( Online payment fee ). This payment posted to the account on XX/XX/XXXX and cleared my bank account on XX/XX/XXXX. On XX/XX/XXXX and again on XX/XX/XXXX, I received notice that my mortgage account was being transferred from XXXX XXXX to NewRez, effective XX/XX/XXXX. I opened an online account with NewRez for my new mortgage account being transferred and began monitoring the account for the transfer. I was advised by XXXX XXXX in XX/XX/XXXX that my payment and account were transferred to NewRez and the funds for the first payment made and initial escrow setup were transferred to NewRez on XX/XX/XXXX. As I was monitoring the account with NewRez, the initial payment made on XX/XX/XXXX was never applied to the account, only the initial escrow setup from closing in the amount of {$940.00}, so I made an additional XX/XX/XXXX payment on XX/XX/XXXX so the mortgage would not reflect past due or report negatively to the credit bureaus. I have called NewRez and XXXX XXXX several times in search of the missing payment. XXXX XXXX sent me a copy of the transaction history reflecting the initial payment made, but advised that the account is now closed and they can no longer access the account. I have sent the following documents to NewRez : A copy of the transaction history from XXXX XXXX showing the payment made and applied to the account and a copy of my bank statement showing the funds deducted from my account. I have had to re-open the escalation with NewRez regarding the missing payment more than once. I have submitted the documents showing the initial payment made online to NewRez, as well as submitting them directly by email to a Representative at NewRez. One individual at NewRez even told me to stop calling and refused to transfer me to a manager when requested. The mortgage was transferred to NewRez from XXXX XXXX in XX/XX/XXXX and as of XX/XX/XXXX, the initial payment I made to XXXX XXXX in XX/XX/XXXX missing and is still not reflecting on the account. Every time I call NewRez to get the status on the missing payment, I am just told that they will escalate my request, but I am receiving no additional results or status update and the payment is still missing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding PayPals refusal to issue a refund for merchandise that I never actually received. The item was purchased through XXXX on XX/XX/year>, and was marked as delivered on XX/XX/year>. However, at the time of delivery, I was hospitalized and physically unable to retrieve the package. I was hospitalized from XX/XX/year> through XX/XX/year>. The package was left unattended in the open at my front door rather than securely delivered to me personally. I provided PayPal with substantial supporting evidence, including : * Hospitalization records confirming I was not home at the time of delivery * A police report documenting the missing/stolen package * A photograph showing the package left unattended outside my residence * Documentation showing I never took possession of the item Despite this evidence, PayPal denied my claim solely because the tracking information showed delivered. PayPal failed to meaningfully evaluate the actual circumstances surrounding the delivery or the evidence demonstrating that I never personally received the package. XXXX has also confirmed that because the dispute was escalated through PayPal, the matter is now dependent on PayPals determination. I believe PayPals handling of this matter is unfair and inconsistent with reasonable consumer protection standards. A delivery scan alone should not outweigh documented evidence showing that the package was abandoned unsecured while I was XXXX and unable to retrieve it. I am requesting that PayPal conduct a fair reconsideration of my dispute and issue a full refund for the merchandise I never received.

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 2026-05-19 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRIAD FINANCIAL SERVICES, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Triad Financial Services for severe, ongoing violations of the Truth in Lending Act ( TILA / Regulation Z ) and RESPA ( Regulation X ) regarding my single-wide manufactured home loan originated in XX/XX/XXXX ( {$100000.00} principal ). Triad has engaged in a pattern of un-notified monthly payment increases while keeping my account in complete paper silence. I have never received a single written statement, disclosure, or annual escrow analysis via mail since the inception of this loan. Triad changes my payment amount without warning, and the new total only appears when I log into their online portal. The exact billing trajectory and violations are detailed below : XX/XX/XXXX : Original baseline payment was appx XXXX per month. XX/XX/XXXX : I paid my property taxes directly out of pocket to the county assessor totaling {$630.00}. XX/XX/XXXX : Despite saving the escrow account a tax payout, Triad raised my monthly payment by {$61.00} without providing any advance written disclosure or an Annual Escrow Analysis. XX/XX/XXXX : Triad raised my monthly payment a second time by {$67.00}, forcing the current amount due to {$1000.00}. Crucially, the portal explanation Triad provided in XX/XX/XXXX is almost completely identical verbatim to the automated message they provided in XX/XX/XXXX, recycling nearly identical tax, insurance ( {$1600.00} ), and shortage ( {$630.00} ) figures. This proves Triad is not conducting legitimate annual escrow analyses as required by Regulation X, but is instead using a broken automated loop to illegally inflate my monthly payment. Furthermore, they are actively withholding my interest rate, insurance deductible, and coverage details, preventing me from exercising my right to replace their force-placed carrier. An active investigation into these identical violations is currently open with the Texas OCCC under Complaint Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to respectfully request your assistance regarding a significantly delayed escrow refund related to the sale of my property on XX/XX/year>. According to the servicer, the escrow refund check was supposedly mailed on XX/XX/year>. As of today, more than 75 days have passed, and I still have not received the refund. To resolve the issue, I contacted the servicer and asked whether it would be more efficient to wire the funds instead of issuing a new check. Per their instructions, I submitted a stoppayment request along with my wire transfer information to the fax number they provided on XX/XX/year>. I followed up multiple times. Representatives confirmed on XX/XX/XXXX and again on XX/XX/XXXX that my fax had been received and that the wire transfer was in process. On XX/XX/XXXX, I received an email with written confirmation that they did receive the fax and still processing as I requested confirmation of stop payment, and status of wire transfer. There are no pending liens, no tax prorations, and no payoff shortages associated with this property. Despite this, the refund has still not been issued. At this point, the delay has become unreasonable, and I am requesting the CFPBs assistance in ensuring that the servicer completes the refund promptly. Thank you for your time and attention. I appreciate your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I requested documentation and investigation results supporting the accuracy of the alleged debt, including verification of the balance being reported, the basis for the collection activity, account-level documentation supporting ownership and collection authority, and documentation supporting the companys continued furnishing of the account to consumer reporting agencies after the account was disputed. Despite the dispute, the company continued furnishing the account without providing sufficient supporting documentation or evidence of a reasonable investigation. This may constitute violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ), as well as the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e prohibiting false or misleading representations in connection with collection activity. For the complaint description, you can use this version for either XXXX XXXX or Midland, changing the company name and balance : The company is reporting a collection account on my consumer credit report while continuing to furnish disputed information that appears incomplete, inconsistent, and inaccurate. I disputed the reporting and requested documentation supporting the alleged balance, ownership of the account, authority to collect, and the companys authority to continue furnishing the account to consumer reporting agencies after the dispute. Despite the dispute, the company continued reporting the account without providing sufficient documentation or evidence of a meaningful investigation. The reporting also contains incomplete or questionable account information, including missing account classification fields while continuing to report the account as an open collection. The continued furnishing of disputed and potentially inaccurate information is damaging my consumer credit profile and may violate the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ), as well as the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e. I am requesting deletion of this collection account from my consumer credit report and cessation of furnishing information that can not be properly verified or accurately substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TSC Accounts Receivable Solutions
State: TX

Complaint narrative:
Company is making harassing calls to my place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
XX/XX/year> my credit card was " skimmed ''. I immediately called my credit card company as soon as I knew. They cancelled the card and sent a new one. I told them there was one charge which I did not do. The charge was gotogate for a flight from XXXX XXXX to XXXX for someone with a different name than myself. I've never been to XXXX XXXX nor XXXX. After 2 months, my credit card company decided I did make the 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
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NE

Complaint narrative:
I am disputing this collection account because I do not have enough information to verify that this debt belongs to me or that the amount being reported is accurate. I am requesting full validation of this debt, including the original creditor information, original signed agreement, full payment history, itemized balance, and proof that this company has the legal right to collect and report this debt. If the company can not provide complete validation, I am requesting that this account be removed from my credit report and that all collection activity stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
On XX/XX/XXXX I sent this company a request to validate an alleged debt, as I did not recognize it. This request was sent via certified mail and received by this company on XX/XX/XXXX. I never received validation of this debt. Despite this, they reported this debt again to XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
I booked travel through XXXX and later received confirmation that my refund had been processed back to my Cash App card. Despite the refund being issued, Cash App has failed to release the funds back to my account or provide any meaningful information regarding the status of the refund. I contacted both XXXX and Cash App multiple times. XXXX confirmed the refund was successfully sent ( which I can see ) and advised me to contact Cash App for further assistance. However, Cash App representatives have been unable to explain where the funds are, whether the refund is pending, delayed, or being held, or provide any estimated timeframe for when the money will be available. Because of this delay, I have been left stranded away from home without access to money that already belongs to me. I have repeatedly requested updates, transaction details, or escalation to a supervisor, but have not received adequate support or resolution. I am requesting a formal investigation into the handling of my refund and immediate release of my funds or a clear explanation regarding the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I applied for an XXXX XXXX credit card after receiving a pre-approval notice. Comenity/Bread Financial required me to call and verify information. After verification, I was told I was approved and that the card would be sent. I was not told that I was being approved for or issued a different credit product. I later learned Comenity issued an XXXX XXXX card instead of the XXXX XXXX. This is a materially different product. The XXXX XXXX can be used anywhere Visa is accepted, while the XXXX XXXX card is a store-only XXXX credit card. I did not authorize Comenity to open a XXXX account in place of the XXXX account I applied for. Comenity is now telling me I must cancel and reapply, which would create additional credit-report damage for a problem caused by Comenitys handling of the application and clear failure to disclose what they were doing. This is clearly deceptive business practices on the part of Comenity. I am requesting that Comenity/Bread Financial remove the unauthorized XXXX account from all credit reports, delete or recode any related hard inquiry if it was associated with the substituted product, confirm that I am not responsible for the account, and either issue the XXXX XXXX I applied for without a second hard inquiry or simply remove the account and inquiry entirely since this was unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer reporting agency continues to report inaccurate, unverifiable, and incomplete information on my credit file. Despite multiple prior disputes, the agency has failed to conduct a proper and reasonable reinvestigation as required under FCRA 1681i and has not implemented or followed reasonable procedures to ensure maximum possible accuracy as required under FCRA 1681e ( b ). The continued reporting of this inaccurate and unverified information has caused substantial personal distress, adversely affected my creditworthiness, and creates a significant risk of ongoing financial harm and adverse credit consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I canceled my XXXX account but on XX/XX/year> I was charged {$38.00}. I told Cashapp that I did not approve the charge they refused to give me my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OFG BANCORP
State: TX

Complaint narrative:
A lady goes to be honest with you. He's in a meeting. I'm not trying to hold anything from you, but he's in a meeting. He's been in a meeting today and I sent a message to him directly to when he gets out of the meeting to contact you. he's in a meeting. I'm sorry. She was referring to the script she was reading. Involving the fraud department. Employee is using a psychological assessment multiple times using psychological disembodiment to convince me that my account is dormant I made a wire deposit for XXXX. Immediately as I made that deposit, they flagged my account claiming that. They were going to call me back. Seven days half past Ive called three times. To ask for a callback from their department their department has not reached out to me their department. From what the lady has claimed has been in a meeting for one day, not seven days the meeting was today. Holding my money. Still in an ACH wire. Without any security. Puts my money at a Financial Risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: U.S. BANCORP
State: IA

Complaint narrative:
I have pictures of what happened that I am more than willing to share. Once I spoke to the company they said all they could do was give me a lower rate at 8.74 % for 6 months. I have had this card since XXXX. My credit limit is XXXX. Im just asking for my 0 % interest and nothing more. Like I stated I have proof of the offer and they gave it to me and took it away. If requested I will email you the photos I have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing this complaint in response to Goldman Sachss closed CFPB complaint response dated XX/XX/year>. In their own response Goldman Sachs confirmed the following facts : I was actively enrolled in a valid payment plan and making payments in good faith. On XX/XX/year> Goldman Sachs systematically removed me from my active payment plan due to a credit reporting dispute without my knowledge or consent and without any notification. I was never informed that filing a credit reporting dispute would result in automatic termination of my active payment plan. This constitutes an unfair and deceptive business practice under the Consumer Financial Protection Act. Goldman Sachs used my own good faith attempt to dispute inaccurate credit reporting as grounds to terminate a payment agreement I was actively fulfilling. I am requesting that Goldman Sachs honor the original payment plan terms I was enrolled in dated XX/XX/year> requiring 6 payments of {$210.00} totaling {$1200.00}, apply my previous payments already made toward the settlement balance, and upon successful completion of the payment plan remove the charge-off tradeline completely from all three credit bureaus XXXX XXXX and XXXX as remedy for their failure to notify me of the automatic plan termination and their unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I attempted a purchase at XXXX XXXX using XXXX for {$85.00}. XXXX immediately sent me an official notification stating the transaction was declined due to " insufficient funds '' and issued a formal Adverse Action notice. Because of this explicit denial, no merchandise was ever approved, processed, or shipped by the merchant. Despite officially denying my application for credit, XXXX went into my bank account and withdrew an unauthorized first installment of {$21.00}. They then locked me out of using their services while simultaneously creating an unapproved payment plan ( Order # XXXX ) and demanding automated future payments. XXXX never provided a Truth in Lending disclosure, a structured loan agreement, or a receipt confirming an active payment plan before taking my funds. When I reached out to their customer support, supervisors repeatedly ignored my proof of denial and sent generic scripts telling me to get a refund from a merchant that has no record of a successful order. Their system has a major technical billing error under Regulation Z, and they are refusing to have a human agent audit the paperwork.

Company response to consumer: Closed with explanation