vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We have a mortgage from Shellpoint Mortgage Servicing month after month, they keep saying they haven't received the payment.Then about three weeks later, then they all of a sudden say, they received the payment, they don't process it immediately and continue to harass us and send us letters month after month for more than 6 months that they haven't received the payment. this happens consistently. Below is the attachment for the month of XXXXThen, finally, then the knowledge it was received weeks later. And now XXXX. The payment was made XX/XX/XXXX, XXXX it's confirmed in the bank that it went through confirmation number # XXXX but they don't seem to be applying our payments on our account properly plus they say they never received the insurance that we paid in full through the insurance company. We have sent it to them XXXX different times and it's either not getting to the correct department, unless they're doing this intentionally because of my age, and i'm in my late XXXX 's. But this mortgage company doesn't know what they're doing, and they should be fined for the continued harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
My Ally Bank account has been locked since XX/XX/XXXX, and Ally is currently holding {$3700.00} of my XXXX XXXXXXXX ( XXXX ) benefit income my primary source of income which I can not access. The underlying issue was an honest mistake that I reported myself, proactively, before any lock occurred. On XX/XX/XXXX, I noticed that I had accidentally deposited the same check at XXXX banks ( a memory error related to my XXXX ). That same day, I contacted Ally through online chat, explained it was an accidental duplicate, stated clearly that I was not attempting any fraud, and asked them to reverse the duplicate deposit. I have screenshots of this conversation. I believed the matter was resolved because I had disclosed it in advance. On XX/XX/XXXX, I initiated some transfers. After that, my account became locked. I called Ally on XX/XX/XXXX to find out why. On XX/XX/XXXX the day after that first call I was notified that there was a new message in my secure online portal, but I have been unable to open it : when I try, the system states that my account is locked and instructs me to call. When I call, the representatives will not tell me what the message says they only tell me to wait for the investigation to conclude. On both occasions I have called since the message appeared ( XX/XX/XXXX and XX/XX/XXXX ), I was refused access to its contents. The result is that Ally has notified me of a message I can not read through any channel neither online nor by phone while holding my XXXX income. I have no way to know what, if anything, Ally needs from me, even though I disclosed the original error myself and have documentation proving it was an honest mistake rather than fraud. I am requesting that Ally provide me the contents of my secure message in an accessible format, release my held XXXX income, or both. Because these are XXXX benefit funds and they are currently inaccessible to me, the situation is financially urgent. On XX/XX/XXXX, I asked Ally when I would regain access to my account, since these funds are locked and I can not use them. They would not give me an answer only that I should wait for the investigation to conclude.

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 2026-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am the co-buyer on my car that was leased with Ally auto back in XXXX. I paid the car off on XX/XX/XXXX. The entire 5 years ALL correspondence, city traffic tickets, bills, and notices were sent to the primary owner 's residence. When I called to inquire about the title, being the primary owner informed she has not received it. It is now XX/XX/XXXX. Ally informed the title was sent to the primary owner at the co buyers address which is the address for me. Of course, since I have never received mail to this address from Ally and the primary owner of the car is not listed on my mailbox the mail was not received. I contacted the local post office that informed they do not hold mail and if it was " to return to sender '' that Ally should have it. They will not resend to the correct address ; confirm the primary owner 's residence, they will not locate where the current title is, and is now defaulting to the city 's XXXX center to pay a fee and await a process that was no fault of our own.

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 2026-06-30 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: NJ

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 2026-06-30 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
EMERGENCY COMPLIANCE RESOLUTION REQUEST : ACTIVE PROBATE FRAUD & IMMINENT ASSET WASTE I am XXXX XXXX XXXX, a verified Successor in Interest and lawful heir to the Estate of XXXX XXXX XXXX ( Loan No. XXXX ; Property : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). Rushmore Servicing has correctly and lawfully realigned this account name to XXXX XXXX XXXX XXXX XXXX XXXX XXXX based on certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amendments and recorded county land records. XXXX has also appropriately placed an internal fraud restriction against competing party XXXX XXXX for documented identity theft. CRITICAL EMERGENCY UPDATE : On XX/XX/year>, an adverse party obtained a probate court settlement approval by deceptively utilizing the legally erased, un-amended name track 'XXXX XXXX XXXX XXXX a profile that this servicer has already restricted due to fraud. This adverse party is preparing to attempt an unauthorized, legally impossible escrow/payoff transaction using the restricted name to bypass the true heirs and the lender 's own compliance guidelines. Simultaneously, XXXX 's XX/XX/year> statement indicates the loan is 487 days delinquent ( {$66000.00} past due ) and that the first filing notice to initiate foreclosure has been completed. I request that XXXX XXXX XXXX XXXX XXXX XXXX immediately : 1. Intervene to review this conflict and reaffirm that XXXX will NOT accept authorizations, payoff funds, or escrow directions from the blacklisted party or any transaction executed under the legally defunct 'Teixeira-only XXXX name track. 2. Issue an immediate, temporary administrative hold on the foreclosure sale file to allow the true, lawful heirs to resolve this structural title deadlock caused by the adverse party 's fraudulent court track.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
RADIUS GLOBAL SOLUTI is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTI is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 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: FL

Complaint narrative:
I accidentally made a charge on my credit card and contacted the The vendor immediately and they waited two days to get back to me. I wanted to cancel it then when they finally did, I explained to them what happened and they said they would take care of the problem. The charge appeared on my credit card. I contacted my credit card company and they said they investigated it and turned me down and the charge came back on my card. Furthermore, I never received the product because the company evidently never sent it after I complained to them about being charged incorrectly. My credit card company is doing nothing to help me after waiting for 60 days. It is Barclays Bank.

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 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc.
State: AR

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 [ Collection Company Name ]. 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 MID SOUTH ADJUSTMENT 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 MID SOUTH ADJUSTMENT. 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 10 items requested in the attached letter are addressed completely and directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 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: PA

Complaint narrative:
I was notified by my XXXX XXXX app of new charges on my XXXX XXXX credit card through Citibank Visa. I have not used that card for ages so I called to see what they were. I was told by the customer service representative that it was a charge in XXXX for Sheetz and XXXX for gas and groceries. I did not make those charges so I reported fraud on my credit card. He asked me if I wanted a new card. I said no. Since I do not use that card. He still sent me a new card. When the new card arrived. I noticed that it stated I did not need to activate this card because my credit card information has not changed. I found that odd. So I called the company and told them that that is very strange being that fraud was reported on my card and that I feel that my information should have been changed and that I didn't even want the card to begin with. The woman on the phone told me that. No worries. In fact, my card information had changed. I called around XX/XX/XXXX to check on the status of the fraud claim and they say that they were still investigating. I checked my mail on XXXX and I received a bill from XXXX XXXX credit card with the fraudulent charges on there again from XX/XX/XXXX and XX/XX/XXXX. I called customer service and they stated that the claim ended. Not in my favor since they feel that I made those charges. I called security on XXXX and I asked them to reopen the claim which they did. I also filed a police report with XXXX XXXX Police. They are investigating and trying to do the best they can. Although they tell me that XXXX does not keep their their surveillance very long and the fraudulent charges are all the way. From XXXX. I have provided to the credit card company my XXXX XXXX locations for XX/XX/XXXX and XX/XX/XXXX showing that I was in the XXXX area and XXXX area all day on both of those days. I also I have also provided to them a letter from my supervisor that I was at work on both days. I would like some resolution for this as I did not make the fraudulent charges. They also told me that this time around they will not be removing the fraudulent charges from XXXX XXXX while they investigate and it will still accrue charges and late fees though. And if they decide that I still pay these charges like they already feel that I did, I will be held accountable for all the late fees and charges. I really need some assistance in this matter.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint because USAA Federal Savings Bank restricted my account and/or debit card access without prior notice, leaving me unable to access my own funds. I discovered the restriction only when my debit card failed at a gas pump while I was traveling from XXXX XXXX, XXXX to XXXX, XXXX. I was in the middle of the desert and had no warning from USAA that my card or account access had been restricted. The restriction has now continued for approximately XXXX days. During this time, I have been unable to access my funds and have experienced financial hardship. I had to rely on a family members credit card to continue traveling and cover expenses. I have been a USAA member for approximately 13 years, and this situation has caused serious disruption and distress. USAA has not provided me with a clear written explanation of the restriction, the exact reason my account or debit card access was blocked, what documentation is needed from me, who is responsible for reviewing the matter, or a firm date and time when access to my funds will be restored. I also did not receive advance notice that my card or account access was restricted before I attempted to use my card. This is urgent because the account restriction has prevented me from accessing money needed for travel, food, gas, and basic expenses.

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 2026-06-30 00:00:00
Product: Credit card — Store credit 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:
XXXX XXXX XXXX XXXX XXXX purchase @ XX/XX/year> Purchased : XXXX XXXX XXXX {$4000.00} & Massage Chair {$9100.00} @ 0 % XXXX Purchased Items delivered : XX/XX/year> Found there is a double charge {$4100.00} pending since XX/XX/year>. Called XXXX XXXX no help, called Synchrony bank no help, called sales associate no response after 2nd attempt. I am over my credit limit and now my credit score is taking a hit, and the charge is still pending. I am getting credit alerts that I am over my credit limit and my score has dropped since this purchase. Please help. XXXX purchased : XXXX XXXX Bank financed : Synchrony Bank

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 non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST NATIONAL BANK OF OMAHA

Complaint narrative:
On XX/XX/year> I contacted First National Bank of Omaha via online chat regarding my XXXX XXXX XXXX. I am currently living in the XXXX and experiencing financial hardship. I requested a hardship payment plan of $ XXXX {$200.00} per month in writing. I explained I can not use phone calls because : XXXX ) I am in the XXXX XXXX XXXX and FNBO 's hours are XXXX AM to XXXX AM for me, XXXX ) I have a language barrier and do not speak XXXX well enough for complex financial discussions by phone, XXXX ) International calls are prohibitively expensive due to my hardship. I asked for all communication via secure message or email. FNBO refused 3 times. The chat agent 's final response was : " The only other option we have is to submit a request to call you back. '' They denied reasonable accommodation for international location and language barrier. I stated I am willing to pay $ XXXX $ XXXX and provide income documents. FNBO refused to provide any written hardship information. I have screenshots of the entire chat as proof. Current balance is approximately {$8200.00}. I can afford $ XXXX $ XXXX.

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 non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. Systems Inc has FALSELY reported a debt to my credit report on the behalf XXXX XXXX XXXX XXXX. I have NEVER had any products for XXXX XXXX XXXX. I have never stepped foot into a XXXX XXXX XXXX store. I have sent a request for the debt validation multiple times yet the company has ignored XXXX and even the XXXX! I demand this collection be removed from 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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX, my credit card stopped working. I called in and after a XXXX XXXX wait they told my the charge I attempted to make was flagged as potential fraud. I asked why I didn't get any notifications, such as via email or text, that potential fraud occurred and allowing me to confirm or deny the fraud, so that I didn't have to wait XXXX XXXX on the call to say it wasn't fraud. They told me my information had been lost from my account. I asked for them to reinstate the fraud alerts for both email and text but that I didn't want any additional non-fraud alerts beyond that, and they told me they had now set up my alerts that way. It is now XX/XX/XXXX. I have called them XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and likely more times that I just can't find in my phone history. Each time I call and verify my alert settings, they tell me it is not currently set up correctly, but they promise me they have set it up correctly now. I have now asked for a higher-up to investigate further why this is so hard to get right and I've had to call in so many times. Every time I make that request, customer service ignore me and tries to assure me that they have corrected it now and I need to just trust them. When I push the issue of investigation, they go silent on the line and eventually hang up on me.

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