vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Rent Recovery Solutions. 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 Rent Recovery Solutions 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 Rent Recovery Solutions. 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 response to consumer: Untimely response
Consumer complaint received 2026-04-21 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: IL

Complaint narrative:
I am submitting a follow-up complaint regarding my loan modification with Shellpoint Mortgage, as the terms of the agreement are not being honored. This issue is related to my prior complaint : CFPB Complaint # XXXX Reference # XXXX With the assistance of the CFPB, Shellpoint Mortgage previously acknowledged the issue and issued a written confirmation dated XX/XX/XXXX, indicating that {$30000.00} would be forgiven as part of my loan modification agreement. As of XX/XX/XXXX, the remaining {$30000.00} that was agreed to be forgiven has not been removed from my loan balance. I have contacted Shellpoint, and unfortunately, I am encountering the same challenges as before, with no resolution. This is a binding term of my loan modification, and I have complied with all requirements on my end. The failure to remove the agreed-upon forgiveness amount is causing ongoing financial harm and uncertainty. I respectfully request the CFPBs assistance once again to ensure that Shellpoint Mortgage fulfills the terms of the loan modification and removes the remaining {$30000.00} as previously agreed and documented. Please let me know if any additional documentation is required. I can provide a copy of the XX/XX/XXXX letter confirming the forgiveness. Thank you for your time and assistance in resolving 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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Official Complaint to Consumer Financial Protection Bureau I am filing a complaint regarding a missing legal settlement payment sent via XXXX Personal Information : My name is XXXX XXXX, and I am the intended recipient of a settlement payment in the amount of {$4200.00} USD. Address : XXXX XXXX XXXX XXXX XXXX XXXX, MA Email : XXXX Payment Details : The Settlement Administrator confirmed that the payment was successfully sent on XX/XX/year>, via XXXX XXXXo the phone number : XXXX Transaction Details : Transaction ID : XXXX Sender : Settlement Administrator ( on behalf of XXXX XXXX XXXX XXXX Confirmation Message from the Sender : Your request regarding the status of your settlement payment has been escalated. The outcome is as follows : The payment was successfully sent to XXXX XXXX XXXX ) on XX/XX/year>. Transaction ID is XXXX. Sincerely, Settlement Administrator on behalf of XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX Websites : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information : Current phone number : XXXX Email : XXXX Important Information : The phone number used for the transfer ( XXXX ) is my previous phone number, and I no longer have access to it. I contacted XXXX support and was redirected to the sender. The sender confirmed that the payment was successfully completed from their side. However, the issue remains unresolved, and I am currently caught between both parties despite providing all available documentation and evidence to XXXX Additional Note : Despite submitting all supporting documents and proof to XXXX, the issue has not been resolved. Requested Actions : I respectfully request the following : A full investigation into this transaction Identification of the account that received the funds Immediate recovery or reversal of the payment if it was sent to the wrong account A written explanation of the findings and resolution Conclusion : This matter involves legal settlement funds and requires urgent attention. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Data Search NY, Inc.
State: GA

Complaint narrative:
I got sued by XXXX XXXX for a car loan that I cosigned for and now the company sent the debt to TrakAmerica, the payment of {$200.00} ( my first payment ) was due on XX/XX/2026. I have called everyday to try and make my payment, considering I have a 3 day grace period and it is now XX/XX/2026. I do not want any inconveniences due to this lack of communication. The lawyer never even provided info on how to make this payment as I had to find it myself. I just need to make a payment and I get placed on hold for 30 minutes to an hour each time. Ive even tried contacting XXXX and all they do is transfer me over, in which I get placed on hold again. Ive even emailed TrakAmerica and never got a response. Ive tried contacting their alternative numbers and they have no idea what Im talking about each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and improper verification of a disputed debt. I disputed a collection account reported by Sunrise Credit Services , Inc. with XXXX. The account is for approximately {$370.00} and is listed as a cable/cellular debt. Prior to disputing with XXXX I requested validation of this debt directly from the collection agency. The agency failed to provide sufficient documentation to validate the debt, supplying only a basic statement rather than any signed agreement, full account history, or proof of ownership/assignment. Despite this lack of proper validation, XXXX reported that the account was verified as accurate. Based on their own disclosure, this verification appears to rely solely on confirmation from the collection agency, without independent review of documentation. Additionally, the account is inaccurately reporting Sunrise Credit Services as the original creditor, which is incorrect, as they are a third-party debt collector. I believe this constitutes : * Failure to conduct a reasonable investigation under the Fair Credit Reporting Act * Reporting of inaccurate and/or unverifiable information * Improper verification of a disputed debt I am requesting : * A full reinvestigation of this account * Documentation supporting the accuracy of the account * Correction or deletion of any inaccurate or unverifiable information If the account can not be properly validated with competent evidence, I request that it be removed from my credit report. Sincerely, 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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing a complaint regarding a fraud dispute with Chime. An unauthorized charge of {$83.00} was made to my account on XX/XX/XXXX at XXXX. I reported this as fraud and disputed the transaction multiple times ( XXXX total ), and each time it was denied. However, a separate unauthorized charge from the same situation ( XXXX, different amount/location ) for {$40.00} was approved and refunded by Chime. This is inconsistent handling of what appears to be related fraudulent activity. If one transaction was confirmed as unauthorized and refunded, the other should have been evaluated under the same fraud claim. I did not authorize the {$83.00} transaction and did not benefit from it. I am requesting : - A reinvestigation of the denied dispute - A clear explanation of the evidence used to deny my claim - Reimbursement of the unauthorized {$83.00} charge I believe this denial may be in violation of consumer protection standards regarding unauthorized electronic transactions. I would like this matter reviewed and resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I was sent what appeared to be fake letters of Credit Card charge backs. They don't match our records. We the received a Credit card machine in via XXXX. The company would not help me unless I provided XXXX and XXXX. I did not feels safe. I called my local Sheriffs office. The officer agreed they didn't look real and to get rid of the machine. I filed a incident report then ( XX/XX/year> ). I was contacted by a collection agency for charge backs. Requested information have not heard back. The merchant ID # on charge back do not match my or previous systems numbers that I have on record. They also had the incorrect contact email for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Im filing against Chime XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I placed an order via XXXX for {$74.00}. The merchant delivered two burgers that were completely raw and inedible, posing a significant health and safety risk. I immediately contacted XXXX to resolve the issue. XXXX admitted to the error but refused a refund based on " internal account history '' rather than the merits of this specific health violation. I then filed a formal dispute with Chime ( Claim # XXXX ). I provided clear photographic evidence of the raw meat, proving the merchandise was " Not as Described '' and " Defective. '' Chime denied my claim on XX/XX/year>, stating that no error occurred. The day before I spoke to a chime representative via phone and he said they were waiting for XXXX to respond and tell them if an error occurred. It is clear that Chime did not conduct a " reasonable investigation '' as required by the Electronic Fund Transfer Act ( Regulation E ). Instead of reviewing my photographic proof, they blindly accepted a generic response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XX/XX/year>, I was charged a total of {$320.00} by XXXX XXXX at the XXXX XXXX check-in counter for baggage fees. During check-in, the airline staff informed me that my baggage exceeded the allowed weight based on their weighing system. However, there appeared to be issues with the weighing machines, as multiple passengers at the counter were experiencing similar discrepancies. My cabin baggage, which was within the allowed limit as per my ticket, was forcefully checked in without my consent, and I was charged for it. Additionally, I had one extra checked bag with an actual weight of approximately XXXX kg, but the airlines system showed a higher weight ( around XXXX kg ), and I was charged approximately {$200.00} for this without a clear explanation. I paid these charges under pressure at the airport in order to proceed with my travel. After returning to the United States, I contacted XXXX XXXX to request a refund. However, they denied my request and stated that their system records support the charges, despite the apparent issues at the airport during check-in. I then filed a dispute with Bank of America under services not as described. Although the dispute was reopened, the bank did not provide adequate support or a satisfactory resolution and closed the claim without properly addressing the concerns. As a student, this unexpected charge of {$320.00} is a significant financial burden. I am requesting that Bank of America conduct a proper investigation and reverse the incorrect charges. Thank you for your assistance in resolving 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 explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Company name : XXXX Collection Company : XXXX XXXX XXXX XXXX date : XX/XX/26 Place a collection on my report

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I received a denial letter twice from Wells Fargo at the executive level for the fraudulent transactions withdrawals that occurred on XX/XX/XXXX and 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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo withdrew an incorrect amount from my account. A check for {$2700.00} was processed as {$2700.00}, resulting in a {$20.00} overcharge. I contacted Wells Fargo multiple times. Representatives, including supervisors and executive escalation staff, confirmed that the amount withdrawn was incorrect and that this is a bank error. Despite acknowledging the error, Wells Fargo refused to correct it immediately or provide a provisional credit and instead required me to wait up to 10 days for a claim to be processed. During my attempts to resolve the issue, two escalation calls were disconnected. This is not a disputed transaction but a confirmed posting error by the bank. Wells Fargo is holding customer funds after confirming the mistake and declining to correct it promptly. I am requesting immediate correction of the {$20.00} overcharge and an explanation for why a confirmed error was not corrected immediately.

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 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
I am filing a complaint regarding improper retroactive interest charges on a promotional financing loan serviced by GoodLeap where the promotional period ended XX/XX/XXXX. In XXXX of XXXX I enrolled in automatic payments and remained current for the entire promotional period. Payments of {$130.00} were successfully debited from my checking account on the stated due date which was the XXXX of each month ( see attached payment history per GoodLeap ). My original loan amount was {$9100.00}. As the promotional period was coming to a close, I had paid {$9000.00}, leaving a remaining balance of approximately {$120.00}. On the final payment date, GoodLeaps autopay system failed to debit the remaining balance. When I escalated the issue, a customer service manager acknowledged that the payment was due on the XXXX, but stated that the system did not process the payment because the remaining balance ( {$120.00} ) was less than the standard autopay amount ( {$130.00} ) and thus have charged interest of {$960.00} ( see attached payoff quote document ). I was not late and had no control over this system limitation. I reasonably relied on autopay, which had functioned properly throughout the loan term. GoodLeaps failure to process the final payment resulted in the expiration of the promotional period and the imposition of a full year of deferred interest. This outcome is the direct result of a servicing failure by the lender, not a failure to pay on my part. I was not provided a reasonable opportunity to cure the small remaining balance before retroactive interest was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to XXXX XXXX. 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 XXXX XXXX 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 XXXX XXXX. 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 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 2026-04-21 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: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
it was sunglasses that got damaged in the first day of wearing it. I bought it to use on a trek in XXXX and it got damaged right away and I couldn't even use it for the entire trip, but they have a no refund policy when I asked even though it was a faulty product. Looking for reimbursement from my Robinhood Credit Card on this. Robinhood keeps rejecting the dispute unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All I did was change my phone number recently and XXXX cant even find a way to update my phone number on Experian the app or even the website they dont pick up their phone numbers they hide they dont answer. Theres literally no way for me to contact customer service or get on the phone with customer service. Im trying to update my phone number so I can login and see my credit score and see stuff that I need about my credit and I can not even do that because they do not give me any options for me to update my phone number or for me to go into my profile or anything. Its literally so frustrating. This is disgusting. They are no help at all and I would like to figure this out so I can find help immediately this needs to be fixed. This is unbearable.

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