vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: ID

Complaint narrative:
We are in a XXXX  XXXX XXXX. Our loan was sold from XXXX XXXX to Shellpoint Mortgage servicing. With wellsfargo our forbearance was from XXXX until end of XX/XX/year>. They sold the loan to Shellpoint in XXXX. No payments were made for XXXX or XXXX. In XXXX I tried to make payments to shellpoint. They refused to speak to us since we were in an active bankruptcy ( filed in XXXX ). They turned off the payment portal as well so we could not make payments. We received a notice at the end of XXXX that the forbearance was ended and to call to make payment arrangements to resume payments. They wouldn't speak to us because of the bankruptcy though. 

In XXXX the XXXX abandoned the property so we can sell the house. Now Shellpoint as asked for the stay to be lifted so they can foreclose on our property that is currently listed for sale. They want us to pay all the payments since XXXX, even while it was in forbearance and payments shouldn't have resumed until XXXX. Our attorney offered them {$8700.00} and resume payments as normal in XXXX. We haven't heard back, I believe they just want to go forward with the foreclosure process. But we were not allowed to make payments this entire time and they refused to speak to us. Still the online payment portal is turned off, and they want to foreclose when they denied payments and when they refused to talk to us.

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 2026-01-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is my first time applying for any Chase XXXX  card, and I have never received a XXXX welcome bonus before. 

After my application was approved, I contacted Chase customer service to confirm that the welcome bonus applied to my account was verbally told that I was eligible for a XXXXpoint welcome bonus after spending {$5000.00} within the first three months.

I relied on these confirmations when deciding to keep the card and completed over {$5000.00} in qualifying purchases within the required timeframe. However, the bonus was never applied. 

When I contacted Chase later, I was told there was no offer on my account. Chase acknowledged that I received verbal confirmation but refused to honor the offer unless I could provide a screenshot or original email, which I do not have. 

I would not have applied for this card or spent this amount without being told the bonus applied to my account. I am requesting a fair resolution by honoring the welcome bonus or issuing a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I invested approximately XXXX into a crypto platform through Wells Fargo Bank. 
The investment grew to XXXX. When i tried to withdraw XXXX they blocked it saying I had XXXX in capital gains and required payment of XXXX in order to have access to my account. Currently, XXXX  have blocked access to my account for security reasons.

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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Global Lending Services LLC
State: MI

Complaint narrative:
I was just two payments away from completing my loan when Global Lending Services ( GLS ) repossessed my vehicle. Despite being on the verge of paying off the loan, GLS took no action to contact me before this, including no phone call or written notice which, to my understanding, is required. Had I received a simple phone call, I would have made the payment and avoided this situation altogether.

GLS initially provided a payoff amount, but this figure was later changed without any clear explanation. Ive been unable to get a detailed breakdown of the payoff amount or understand the reasoning behind the change. 
Additionally, GLS has failed to provide any documentation regarding a cease and desist order or any legal alerts concerning the repossession. This lack of communication and documentation raises serious concerns about the legality of the process, as well as the repossession fees added on top of my original loan balance. 
Ive been dealing with significant health issues and recent XXXX, which made it difficult to manage the situation as quickly as I normally would have. However, the lack of communication from GLS made it even harder to address, and I feel my rights as a consumer have been violated. 
I request the following : Proof of notice for the repossession and the detailed breakdown of fees. 
Clarification of the discrepancies in the payoff amount. 
Leniency regarding the repossession fees, given the lack of proper communication and the timing of my payments. 
If these issues are not resolved promptly, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX  ( XXXX  ), and will consider pursuing legal action to ensure my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
XXXX XXXX complaint : - Insisted on performing and charging for a consult prior to a routine cleaning- Over billed for procedures not needed - No explanation or consent given for procedures and at no time was cost discussed- Didn't bill my insurance, wanted to be paid out of pocket and not go through insurance - Horrible patient care, saw a different dentist each visit, no continuity of care

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
A repossession agent acting on my lenders behalf attempted to repossess my vehicle while I was inside the vehicle with my infant child in a parking lot. The agent attached towing equipment without checking whether the vehicle was occupied and refused to disengage after I clearly objected due to immediate safety concerns for myself and my child. 
This conduct constitutes a breach of the peace under California law, regardless of payment status. 
My infant daughter is premature, and following this incident she experienced significant stress and difficulty feeding, which is particularly concerning given her medical vulnerability. Out of concern for her health and well being, I closely monitored her condition and feeding following the incident. As well I also experienced significant emotional and physical stress including elevated blood pressures following the incident. 
After the incident, I attempted to obtain identifying information from the repossession company, but the company refused to provide this information. Those communications were recorded. I later obtained the repossession companys identity through the lender. 
Third-party surveillance footage from the location exists and is available, documenting the incident. 
I am not disputing that the account was past due. I am disputing the unlawful and unsafe manner in which the repossession was attempted, the lenders failure to properly supervise its agent, and any fees, charges, or negative credit reporting arising from this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally express my strong dissatisfaction regarding the overdraft fees that have been charged to my account due to transactions conducted on XX/XX/year>. 

I believe these fees are unjustified, particularly regarding the initial overdrafts that occurred prior to my deposit. On XX/XX/XXXX, my account went into overdraft due to XXXX transactions totaling {$500.00}, {$100.00}, and {$50.00}, leading to a total overdraft of {$280.00}. However, on the same day, I made a deposit of {$300.00}, which brought my account back to a positive balance. Despite this, I was charged for XXXX separate overdraft fees of {$35.00} each, which I find unacceptable. 

While I acknowledge responsibility for the XXXX overdraft fees that accrued after my depositwhen my account went negative again due to XXXX transactions of $ XXXX contest the validity of the first XXXX overdraft fees. It is clear that I rectified my account 's balance by depositing funds to cover my overdraft. 

Here are the key points of my complaint : XXXX. Unjust Overdraft Fees : The initial XXXX overdraft fees were incurred when my account was negative due to the aforementioned transactions. However, since I promptly deposited {$300.00} on the same day, restoring my balance to positive status, these overdraft fees should be reversed. 
2. Improper Fee Assessment : I feel that Wells Fargos policy of charging overdraft fees despite a subsequent positive deposit lacks fairness and does not take into account the responsibility shown by rectifying the overdraft. 
XXXX. Accountability and Good Faith : I recognize my obligations and have taken responsibility for any fees that resulted from transactions after my account returned to being negative. However, it is essential for your policy to align with the principles of fairness and good faith, particularly when customers take proactive steps to resolve their overdrafts. 

I kindly request a review of this matter and an adjustment of my account to reverse the unjust overdraft fees. I believe this action aligns with Wells Fargos commitment to customer service and satisfaction. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
WSFS Bank closed my long-standing credit account without my knowledge or authorization while continuing to display the account as open with a {$10000.00} available credit line in its mobile app. When I contacted the bank to report the issue, I received no follow-up and was eventually forced to visit a branch, where it was confirmed that the account had been closed internally. 

Rather than correcting the unauthorized closure, WSFS required me to submit a new application. XXXX days later, despite an XXXX XXXX XXXX and more than XXXX decades of credit history with the institution, WSFS demanded full personal and business tax returns as a condition of restoring access. I never authorized the closure, was never notified, and am seeking reinstatement, a written explanation, and correction of all records.

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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I had received an email from PayPal about my account being under review and that my account was being held with limitations. I had reviewed what they were talking about and they wanted information to transactions pertaining to my account. Details were provided to them and they stated they needed time to review. Two days later, on XX/XX/year> I received a response that they are permanently closing my account. I don't see why/how I had violated anything. Their reasoning was : Based on the information we have today, this account was created by an underage person or by a resident of a country where we dont accept customers yet. 

However, my submission of details pertaining to my account had nothing to do with those claims they stated above. I would like to complain about wrongful closure of my account and have it restored with no issues moving forward please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I never received the required initial written notice of this debt prior to credit reporting, depriving me of my right to dispute before negative reporting occurred. In fact, I called the " original creditor '' and they said I did not owe them any debt ( I have it in email form ). I sent a letter of validation through XXXX XXXX mail ( I have the receipt that shows I sent it well within the time limit to contact ) to the collection agency : Consumer Collection Management. They never validated the debt but continued to report the debt. This is a FDCPA XXXX violation. XXXX of the credit bureaus immediatley deleted it. This company does this constantly as they have all bad reviews, claims of reporting debt that's never existed and numerous Better Business Bureau complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: SC

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by KINUM INC. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. KINUM INC can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and XXXX The date the account was acquired by or assigned to KINUM INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
My XXXX loan is funded by Village Capital and XXXX, customer service is very difficult to reach most of the time. I recently had damage to my home and had to pay my mortgage late in order to start repairs while I filed a claim. On XXXX XX/XX/year>, I attempted to make XXXX payment and after several reps refused to take my payment as they wanted me to include XXXX as well, finally a rep took half payment for XXXX due to my card only allowing a certain amount. Total due for Decemeber was {$2700.00}, I was charged {$1300.00} and to pay remaining XXXX balance on XXXX XX/XX/year>, on this day after being on hold for a very long time, a agent in loss mitigation advised me that they were not interested in my payment unless I was also paying XX/XX/year>, which is not late until XXXX XXXX. I recently found that Village Capital has several claims against them and lawsuits as to how they mishandle XXXX and XXXX  loans. Village Capital is holding a $ XXXX check from my insurance company that is to be used to repair my home. They will not provide me with instructions on what's needed to have this check released to me. This department is called Loss Draft, and only responds slowly to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am formally disputing this debt with TD Bank, because it has already been paid in full. Due to the Judge The payment was completed on. I have attached a copy of [ mention your proof, e.g., my bank statement/receipt ] which clearly shows the transaction and the XXXX balance. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that TD Bank remove me from all Credit Bureau, as i makes it hard for my furture approvals with financial companies treat you fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$4400.00} in cash into a PNC Bank ATM. The ATM accepted the cash but did not credit my checking account and did not return the money. The ATM printed a receipt stating there was a problem returning my cash and instructed me to contact my financial institution. Because the transaction occurred on a Sunday, I was informed that no one could be sent to service the ATM at that time. I contacted PNC Bank the same day and was instructed to go into the branch when it opened. On XX/XX/year>, I went into the branch shortly after opening and informed staff of the issue. At that time, the branch indicated they were not previously aware that the ATM had experienced an error. A teller confirmed that the ATM showed an error code, but that the issue could take up to XXXX  days to resolve. Due to conflicting information, I was referred to the branch XXXX. The branch XXXX contacted multiple internal departments and later told me that a provisional credit would be applied to my account by that afternoon. I was instructed to monitor my account and call back if the credit did not appear. When the provisional credit did not post by the afternoon, I contacted the branch again. The branch XXXX stated he would contact additional departments to determine what was causing the delay and would call me back after speaking with them. When he returned my call, he informed me that the timeline was now XXXX to XXXX hours and stated that this information had not been provided to him during his earlier calls, despite having previously told me to expect the credit by that afternoon. On XX/XX/year>, I was contacted by a case XXXX, who stated that a provisional credit request did not appear to have been submitted. She submitted the request and later informed me that the provisional credit was denied. At that point, I was told the investigation could take up to XXXX  days. Additionally, on XX/XX/year>, my husband contacted PNC Banks corporate customer service and was informed that the provisional credit request still appeared open and had not been denied, and that the funds should be credited to our account by the next day XX/XX/year>. As of now, the {$4400.00} has still not been credited. Throughout this process, I have been given multiple and conflicting timelines from different representatives. While an ATM error was acknowledged, the {$4400.00} has not been credited to my account. I have requested written confirmation of the ATM error and documentation related to the investigation, which has not been provided. The claim remains open as of today. 
The missing funds are needed for time-sensitive medical expenses, which has increased the urgency of resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions is reporting a medical collection from XXXX XXXX in violation of federal law. 

This account is misclassified as Other instead of medical, which is prohibited under FCRA and CFPB medical debt reporting rules. 

Bull City failed to report required data including date of last payment, date of first delinquency, amount past due, and account type, which means the account can not be validated or legally reported. 

Bull City has not provided any documentation showing lawful assignment, itemized medical billing, or XXXX authorization to possess or report my protected health information. 

This account is inaccurate, incomplete, and illegally reported. I am requesting immediate deletion from all credit bureaus and cessation of collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response