vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: GA

Complaint narrative:
Subject Refusal to Provide Sensitive Identification Pending Proof of Authority and Correction of Errors To Counsel for Shellpoint Mortgage Servicing, I am in receipt of your request for additional personal documentation, including sensitive identification materials, in connection with Loan No. XXXX for the property located at XXXX XXXX XXXX, XXXX, GA XXXX. 
At this time, I formally decline to provide any sensitive personal information, including government-issued identification or Social Security documentation.

Shellpoint Mortgage Servicing has failed to meet basic servicing standards by repeatedly issuing inaccurate and inconsistent documents, asserting an unauthorized loan modification, and failing to provide a clear explanation as to how such actions occurred. To date, Shellpoint has not produced verifiable proof addressing these material errors, nor has it demonstrated lawful authority for the actions taken on this account.

It is unreasonable and unsafe to demand sensitive personal information while these material discrepancies remain unresolved and while Shellpoint has not demonstrated compliance with applicable servicing procedures or its own stated requirements. Until Shellpoint substantiates its position with competent and accurate documentation, I can not reasonably be expected to entrust my personal identifying information to your organization.

Accordingly, before any further request for documentation is considered, I formally demand the following : Written proof of loan ownership and servicing authority A complete and accurate payment history to the modification Documentary proof of authorization for any alleged loan modification A written explanation detailing how the inaccuracies were generated and disseminated Until these issues are fully corrected and substantiated, my refusal to provide sensitive documentation shall not be construed as non-cooperation, but rather as a good-faith effort to protect against identity misuse, data compromise, and further harm.

All communications regarding this matter must be in writing only.

Sincerely,

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 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Finance of America Holdings LLC
State: OR

Complaint narrative:
I received a letter stating I needed to urgently respond and this was " FINAL ATTEMPT TO NOTIFY YOU '' with number of XXXX to call. At the end it had what looked like a check but then said " allocated waiver {$190.00} '' but then it said " this is not a check. '' It all appears to be from Finance of America XXXX  XXXX  which was my former loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Sunrise Credit Services for improper credit reporting practices and refusal to provide reasonable access for written dispute correspondence. 

Sunrise Credit Services is currently reporting a collection account under my name to XXXX and XXXX. This account was previously removed from my credit report for several months and was recently reinserted. I did not receive any written notice of reinsertion as required under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). 

On [ insert date ], I contacted Sunrise Credit Services by phone to request their fax number so I could submit a formal written dispute and compliance notice. I made it clear that I was not calling to discuss the debt by phone and only needed the fax number for written correspondence. Sunrise Credit Services refused to provide a fax number and attempted to continue the conversation verbally instead. 

By refusing to provide a fax number or reasonable written communication method, Sunrise Credit Services is obstructing my ability to submit a formal dispute and maintain a proper paper trail. This behavior raises serious concerns regarding compliance with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding consumer dispute rights and accurate credit reporting. 

Additionally, XXXX  has confirmed that this account has not yet been reported to them, increasing my concern that Sunrise Credit Services may attempt further improper reporting. 

I am requesting that the CFPB investigate Sunrise Credit Services reporting practices, their refusal to provide written dispute access, and require them to cease reporting this account unless they can fully demonstrate lawful certification, proper notice of reinsertion, and compliance with federal consumer protection laws. 

Thank you for your assistance in this matter. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I have told them I cant pay it and they keep saying Im sorry Ill put note on file to not contact for a while and yet 2 times a week I get a text and email I have already blocked the number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: AL

Complaint narrative:
I am disputing my lease of a XXXX XXXX  XXXX XXXX, signed approximately five months ago, due to material misrepresentation by the selling dealer. The dealer verbally assured me that the vehicle could travel from XXXX, Alabama to XXXX, Mississippi and back on a single full charge, without needing to stop to recharge. After taking delivery, it became clear this statement was not accurate under normal driving conditions, and I would not have entered the lease had I been given correct information. I have requested Honda Finance and XXXX XXXX ( dealership ) in XXXX AL to release me from the lease without penalties, fees, or negative credit impact, citing misrepresentation, but have not received a satisfactory resolution. I am requesting the CFPB investigate this issue and assist in achieving a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint regarding an unauthorized debit card transaction in the amount of {$800.00} at XXXX XXXX XXXX that posted to my U.S. Bank account in XX/XX/year>. 

I did not make this purchase, nor did I authorize anyone else to make it on my behalf. I have never spent this amount of money at this merchant, and the transaction is inconsistent with my normal spending history, and usage behavior. 

As soon as I noticed the charge, I immediately contacted U.S. Bank, reported the transaction as unauthorized, and took the following actions : Reported the fraud promptly Had my debit card canceled and replaced Filed a formal fraud claim with the bank U.S. Bank initially issued a provisional credit while they conducted their investigation. However, on XX/XX/year>, I received a letter from U.S. Bank stating that they had denied my fraud claim, asserting that the transaction was authorized. The letter did not include any meaningful explanation or evidence supporting this conclusion. 

I subsequently requested documentation or proof showing how they determined the transaction was authorized ( e.g., chip verification, PIN usage, IP/location data, or signed receipts ). U.S. Bank responded that they do not have additional documentation to provide. 

Despite this lack of evidence, U.S. Bank reversed the provisional credit on XX/XX/year>, withdrawing {$800.00} from my account. This reversal caused financial hardship and resulted in a negative balance, despite my timely reporting and cooperation. 

Since receiving the denial : I have attempted to appeal the decision I have called multiple times without receiving meaningful assistance I have sent written correspondence requesting reconsideration and documentation My calls have not been returned, and no substantive responses have been provided At this point, U.S. Bank has : Denied my fraud claim without providing evidence Reversed funds while acknowledging they lack documentation Failed to provide a reasonable appeals process or adequate customer support I am requesting that this matter be reviewed to ensure compliance with Regulation E ( Electronic Fund Transfer Act ), which requires financial institutions to conduct a reasonable investigation and provide supporting evidence when denying an unauthorized transaction claim. 

I am seeking : Reinstatement of the disputed funds

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, Capital One closed my Quicksilver and XXXX XXXX credit card accounts. The only reason provided was that Capital One observed activity inconsistent with typical customer account usage, also described as atypical customer behavior. 
This explanation is vague and unsupported. The closure notice does not identify any specific transactions, payment behavior, or policy provisions that allegedly justified the closures. 
Throughout the life of these accounts, I made payments regularly and in good faith. I often made multiple payments per month, aligned with my biweekly pay schedule. This payment pattern resulted in timely payments and did not involve misuse of credit, fraud, or intentional nonpayment. My credit reports reflect a positive payment history on these accounts. 
I contacted Capital One customer service and escalated the matter to a supervisor to request clarification. During these calls, I specifically asked for a clear explanation of what conduct triggered the closures and which policy or risk criteria were allegedly violated. Capital One did not provide any additional information and repeatedly referred me back to the same generic closure notice. 
Although Capital One made the closure notice available electronically, the document itself contains only a boilerplate statement and does not provide the specific information I requested despite multiple contacts with customer service and a supervisor. 
Additionally, my XXXX XXXX Card account had a remaining secured deposit balance of approximately {$200.00} at the time of closure. As of today, more than three weeks have passed since the account closure, and I have not received the return of my secured deposit or any written explanation regarding when or how it will be returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
TranWorld Systems ( TSI ) sent me a letter for debt collection on a XXXX  account. ( I have never used XXXX ever ). I contacted TSI they said that I had to contact XXXX 
I called XXXX, they said I had to go into a local store to fix the problem. I went to the XXXX store. They could not help because I didn't have or know of any phone number on the account. they filled out a fraud form on my behalf. Since my credit is EXCELLENT, I decided to pay the {$160.00} to clear my credit. They next month I got ANOTHER collection letter from TSI for {$72.00}. I went through the same process with the same results. NO ONE will give me any information about this collection without a PIN number or phone number attached to the accout. I HAVE NEVER HAD A XXXX ACCOUNT therefore I do not know of any phone number or PIN number. I WILL NOT KEEP PAYING someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
So this Debt Collector ( Calvary portfolio ) been on my credit report for about 4 years and I contacted the debt collector about it and told them this was fraud because I was out of the country at the time this happened. They also told me that it was a woman who used my Identity which goes to show it cant be me I went to the police because they asked for a report I provided the police report still they didnt resolve my issue. This has been ongoing for 4 years and they havent done nothing. I called XXXX XXXX and XXXX  and they told me there is nothing they can do and directed me to you guys and said that this would help resolve my issue. The amount was was for XXXX dollars used at XXXX XXXX I dont know what was purchased and now they are asking for XXXX which is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I submitted a loan modification application to Mr Cooper on XXXX XXXX, by mail and possibly online.I followed up weekly by and was told different things each time i called twice i was told to call back and wait for an approval, then was told that a representative did not press a button, i was asked the same question three sets of times, i was also told that i should receive what i should have to do next week ( did not receive a notice in the mail or email ). I also spoke to a supervisor and asked them to escalate my modification to find out what was going on and at the end of the year still no status provided. 
On XXXX XXXX I called Mr. Cooper with still no mail or email notification as to what was going XXXX was told by a representative that I was given an option in XXXX to make the first initial payment which was never told to me. ( Again nothing written in mail or email about ) and was asked if i could pay three of the past months owed or i could fill out a new application. even though the delay caused by Mr. Cooper failure to process or communicate about my application. 
I am currently delinquent but not in foreclosure.I am requesting immediate review of my original application, a written status decision, and protection from penalties or delinquency caused by Servicer. Along with taking the missed payments off of my credit from the time the modification application was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
Freedom Mortgage failed to pay the insurance policy through XXXX. When I talked with Freedom Mortgage they stated they wired the money, when I called XXXX they said the transfer numbers were invalid for a batch payment. My broker and I called Freedom Mortgage and they sent proof of a batch payment but no proof that the funds were sent and they refused to send any additional documents. The policy has lapsed through XXXX and Freedom Mortgage refused to send any documentation. Freedom Mortgage ALSO keeps changing their mailing address, they have provided 3 different addresses changes in 6 months. They also changed my property address without consent.

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 2026-01-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Research Inc
State: PA

Complaint narrative:
FSA OMBUDSMAN COMPLAINT Borrower Name : XXXX XXXX XXXX : XXXX University of XXXX  XXXX XXXX / Collector : Central Research , Inc. ( CRI ) Former Servicer : XXXX Account No. : XXXX Issue Summary I am requesting formal assistance from the Federal Student Aid Ombudsman regarding improper and unsupported collection activity on my federal student loan account. 
Central Research , Inc. ( CRI ), a federal collection contractor, is attempting to collect on a loan without producing the original Master Promissory Note ( MPN ) or a certified copy bearing my original handwritten signature. I have formally demanded this documentation in writing. To date, it has not been produced. 
Without a signed Master Promissory Note, there is no legally enforceable contract authorizing collection activity. 
School Misconduct and Fraud Concerns The loans at issue originated from XXXX University of XXXX. During the relevant period, a XXXX University employee, XXXX XXXX, was terminated for fraud related to student aid administration. This misconduct directly affects the legitimacy of the alleged debt and my eligibility for relief under the Borrower Defense to Repayment provisions. 
Improper Transfer and Servicing Concerns My account was transferred from XXXX to Central Research , Inc. ( CRI ) during a time when XXXX has been subject to class action litigation related to student loan servicing practices. The timing and circumstances of this transfer raise concerns regarding whether this account was lawfully assigned and whether required documentation was properly transferred. 
Despite these unresolved issues, CRI continues collection efforts without validating the debt. 
Relief Requested I respectfully request that the Ombudsman : Require CRI to produce the original Master Promissory Note or a certified signed copy. 
Suspend all collection activity until proper verification is completed. 
Place the account in formal dispute status. 
Review the legality of the servicing transfer from XXXX to CRI. 
Consider this matter in connection with my Borrower Defense to Repayment eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My XXXX credit cards were hacked and multiple charges and balance transfers were attempted. All beginning on or about XX/XX/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 explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc.
State: NY

Complaint narrative:
KIKOFF XXXX was advertised as a store credit card that helps you build up your credit and gives you a small credit line in exchange for participating in their program that does include credit report monitoring and other sort of useful Financial Educational Tools. In the beginning I not only paid for a monthly membership fee but I paid for a monthly payment that was supposed to pay a secured amount towards a store credit card which was advertised to be an online store where I could pick things that I choose to buy however when I finally saw the store it was videos and ebooks containing financial literacy information distributed by them. Then in the coming months I was able to see my credit report which said I owed a balance of {$450.00} and I was shocked. I called in complaining stating that I most certainly did not owe them any sort of money that I had been paying towards a secured balance and I have never been able to use the card in any sort of real life functional manner and the customer service agent then told me that the card is designed to Simply make it look like you have revolving credit and you don't actually have it it is simply a trade line that is fictitious that you are paying a monthly membership for and that is absolutely absurd and unacceptable and if it was properly advertised I would have never chosen to have this on my credit and now that I have stopped paying it and requested it to be closed and request requested return of my secured funds they have refused to do so and they have continued fourth with negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SD

Complaint narrative:
My student loans were with Mohela. I applied and was granted public service loan forgiveness. My Mohlea account shows a refund for {$2800.00} on XX/XX/year>. I was told it would take 90-120 business days for me to receive my check. Ive reached out to Mohela several times over the last few months wanting to get an update on my refund. Several different answers were given to me such as it was out of their hands, that my check was in the mail, that I just needed to be patient. Ive called the federal student aid center and was told it was out of their hands also. I was never late in making my student loan payments over the years. It has been over 6 months since my refund was supposedly issued. I am requesting confirmation of whether the refund was sent to the U.S. Treasury, the date it was sent, and where it was mailed. This delay is unreasonable and I am requesting immediate resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation