vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
In early XX/XX/year>, a fraudulent charge was detected on the account. Synchrony Bank closed the account and issued a new card. Before receiving the new card, we got a credit alert that a new address had been reported by Sam 's Club Synchrony Bank to our credit report. We had to dispute this change and at the same time our online account had been altered and we could no longer login. Once again, the bank said they would have to issue a new card. We received the XXXX card the last week in XXXX and activated it. On XX/XX/XXXX, we received a new notice of address change and can not log into our account. At the same time, Sam 's club account was blocked. We have not had access to our credit for XXXX months or our Sam 's club account for about a month. The Synchrony Sam 's club credit card does not allow XXXX factor authentication. The contact center uses Social security number to authorize changes over the phone and online password resets only require user id and account zip code. When the address change is reported to the credit bureau, we can no longer login.

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 2026-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am filing a complaint regarding an ongoing escrow servicing error by Shellpoint Mortgage Servicing that has remained unresolved despite repeated notifications over an extended period. My homeowners insurance premium is paid annually. However, Shellpoint has repeatedly issued multiple payments for the same insurance policy. My insurance carrier has confirmed that only one annual premium is due and has refunded the duplicate payments that were sent by Shellpoint. I first reported this issue approximately one year ago. More recently, I reported the same problem on two separate occasions within the last three months after discovering that it had still not been corrected. Despite these repeated notifications, Shellpoint has failed to resolve the issue. I recently received an escrow analysis stating that my monthly mortgage payment is increasing because the escrow account allegedly does not contain sufficient funds to cover future obligations. Upon reviewing my account, I discovered that Shellpoint has once again scheduled three identical homeowners insurance payments for XX/XX/year>, even though only one annual premium is owed. As a result, Shellpoint 's escrow calculations appear to be based on erroneous insurance disbursements. This has artificially increased my escrow requirements and monthly mortgage payment. Funds that should have remained available to me have instead been unnecessarily collected and held in escrow due to this servicing error. I am requesting that Shellpoint : 1. Immediately remove all duplicate insurance disbursements and ensure that only one annual insurance payment is scheduled. 2. Conduct a complete review of my escrow account and correct all errors related to duplicate insurance payments. 3. Perform a corrected escrow analysis using the proper insurance premium amount. 4. Adjust my monthly mortgage payment to the correct amount. 5. Refund any excess escrow funds resulting from these duplicate disbursements and incorrect escrow calculations. 6. Review and compensate me for any documented financial harm caused by this ongoing error, including the loss of use of funds that were unnecessarily collected and held in escrow. 7. Provide a written explanation of how this error occurred, why it was not corrected after multiple reports, and what steps are being taken to ensure it does not happen again. I have made multiple good-faith attempts to resolve this matter directly with Shellpoint, including reports approximately one year ago and twice within the last three months. Despite these efforts, the error remains unresolved and continues to negatively affect my mortgage payment and escrow account. I am requesting CFPB assistance in obtaining a permanent correction and appropriate resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 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: PA

Complaint narrative:
On XXXX XXXX i had my roof inspected after a storm. There was substantial damage. My insurance agent also inspected it and gave me XXXX checks to have the roof replaced. Since I still have a mortgage, the mortgage company as also on the check as a payee. I contacted the mortgage company to begin the process of overnighting the checks to them for their endorsement and to have them retuned from the loss draft department for the repairs. Which I did on XX/XX/XXXX. on XXXX first, The mortgage company changed names from XXXX XXXX to XXXX XXXX, so all the paperwork had to be forwarded to them, which delayed repairs, then a week later the mortgage company became NEW REZ mortgage. again another delay. I was tracking the checks and they were sent to New Rea on XX/XX/XXXX but hen I contact them they say they have not received anything and to give them a few more days. So I contacted my XXXX XXXX agent to see if I could have the checks stopped and resubmit ne ones. The agent said the checks were already cashed by NEW REZ and he sent me copies of the cashed checks both endorsed by NEW REZ. dated XX/XX/year>. When I contact them again and explain it, they still say there is nothing showing. XXXX checks, one for XXXX and one for XXXX. Then I see that my mortgage had a deposit made to the principle for this amount. These are for an insurance repair on the home. They were supposed to send back to me for repairs. I will upload the cancelled checks and repair info to you. Please let me know what I need to do. I am getting no answers from the mortgage company.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against Credit Reporting Agencies and Furnishers I am submitting this complaint regarding fraudulent accounts and inquiries that continue to appear on my credit reports despite being the result of identity theft. The disputed items include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( {$64.00} ) Synergetic Communications XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( {$9700.00} ) XXXX XXXX XXXXXXXX XXXX ( {$1100.00} ) Unauthorized credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries were not authorized by me. They are connected to identity theft involving my personal information. I am requesting that the credit reporting agencies and furnishers investigate these items thoroughly, provide documentation supporting their reporting, and remove all fraudulent accounts and inquiries from my consumer reports in accordance with the Fair Credit Reporting Act. I am seeking immediate correction of my credit reports and written confirmation that these fraudulent items have been removed. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
RE : Complaint Against Jefferson Capital Systems To Whom It May Concern, I am filing a formal complaint against Jefferson Capital Systems regarding an account appearing on my XXXX credit report ( Report # XXXX, generated XX/XX/XXXX ). Account Details : Creditor : Jefferson Capital Systems Original Creditor : XXXX XXXX Balance : {$810.00} Date Opened : XX/XX/XXXX Status : Collection Account Scheduled On Record Until : XX/XX/XXXX I am requesting the following : 41. Proof that your company is licensed to collect debt in the state of Nevada 42. The original signed agreement or contract bearing my signature 43. Complete payment history from the original creditor 44. Proof that the statute of limitations has not expired 45. The name and address of the original creditor 46. Proof that the debt has not been sold multiple times 47. The exact amount owed and how it was calculated 48. Chain of title/ownership showing all transfers of this debt Basis for Complaint : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request full validation of any debt being reported on my credit profile. This account has already been disputed with Experian yet continues to report inaccurately. Under FCRA Section 611, any information that can not be fully verified must be removed from my credit report immediately. Resolution Requested : Full debt validation Immediate investigation into the accuracy of this account Removal of this account if it can not be fully validated Cease all collection activity until validation is provided I am requesting this in writing so that there is a formal record of this complaint. I expect a response within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
RE : Complaint Against Santander Bank To Whom It May Concern, I am filing a formal complaint against Santander Bank regarding an account appearing on my XXXX credit report ( Report # XXXX, generated XX/XX/XXXX ). Account Details : Creditor : Santander Bank Balance : {$12000.00} Date Opened : XX/XX/XXXX Status : Charged Off {$12000.00} written off ( Auto Loan ) Scheduled On Record Until : XX/XX/XXXX I am requesting the following : XXXX. Proof that your company is licensed to collect debt in the state of Nevada XXXX. The original signed agreement or contract bearing my signature XXXX. Complete payment history from the original creditor XXXX. Proof that the statute of limitations has not expired XXXX. The name and address of the original creditor XXXX. Proof that the debt has not been sold multiple times XXXX. The exact amount owed and how it was calculated XXXX. Chain of title/ownership showing all transfers of this debt Basis for Complaint : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request full validation of any debt being reported on my credit profile. This account has been charged off and continues to report negatively on my credit report. Under FCRA Section 611, any information that can not be fully verified must be removed from my credit report immediately. Resolution Requested : Full debt validation Immediate investigation into the accuracy of this account Removal of this account if it can not be fully validated Cease all collection activity until validation is provided I am requesting this in writing so that there is a formal record of this complaint. I expect a response within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Broadway Account Services
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file an official error resolution and fraud complaint against Broadway Bank under the Electronic Fund Transfer Act ( Regulation E ). * Bank Name : Broadway Bank * Account Type : Checking * Disputed Unauthorized Transaction : {$600.00} ( Labeled as " WITHDRAWAL '' on XX/XX/year> ) * Current Account Balance : - {$590.00} On XX/XX/year>, an unauthorized {$600.00} debit simply labeled " WITHDRAWAL '' was taken from my account. When I contacted Broadway Bank, a representative claimed the funds were removed due to a retailer error typing in my account number. Broadway Bank subsequently issued an immediate credit of {$600.00} to correct this after I requested documentation in writing since I was initially told it would be by the end of the business day. They never provided any documentation however, account screenshots show proof of the discrepancy. Because of this severe security risk and unstable handling of my money, I immediately used XXXX to safely move my remaining personal funds over to my secondary bank account at XXXX after they credited my account. Following this protective action, Broadway Bank abruptly reversed the {$600.00} credit without my authorization or warning. Because I had rightfully moved my own funds to safety, this unauthorized {$600.00} reversal has plunged my Broadway Bank account balance into a negative state of - {$590.00}. Additionally, I opened this account under a promotional offer to receive a {$300.00} new checking account bonus, and I am currently awaiting a pending direct deposit to fulfill the requirements. Due to Broadway Banks unauthorized reversal plunging my balance into the negative, my account is no longer in good standing through no fault of my own. I am deeply concerned that this processing error will cause me to wrongfully lose my {$300.00} bonus incentive, and I require protection against this lost promotional revenue.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX ) XXXX Re : Account Number : __ XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all communication with me regarding the above-referenced alleged debt. You are hereby instructed to stop contacting me by telephone, text message, email, or mail concerning this matter, except as permitted by law to notify me of specific actions you intend to take. This letter is not an acknowledgment of liability for the debt, nor is it a promise to pay. I reserve all rights under federal and state law. Please confirm in writing that you have received and complied with this request. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I have applied for a succesir of interest. My home was bought during our marriage. I have tried numerous times for a payment plan and have been ignored. My husband doesnt want a payment plan and wants me out of the home. I have rights as a home owner to request forbearance.

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX through dealership-arranged financing. Before the purchase, I had a financing preapproval and relied on the information and documents provided during the transaction. After the sale, I discovered concerns regarding the purchase and financing paperwork. I later found multiple versions of contract documents associated with the transaction, including unsigned documents dated on different dates. When I requested information and clarification, I received documents that appeared inconsistent with paperwork previously provided to me. I have concerns regarding the accuracy and completeness of the transaction documents and whether all material information related to the financing and sale was properly disclosed. After further investigation, I also discovered information raising concerns about the vehicles history and condition that had not been disclosed to me before purchase. I attempted to resolve the matter directly with the dealership and later received a response through the dealerships attorney, but my concerns remain unresolved. I am requesting review of the financing transaction, contract documentation, disclosures, and related records associated with this vehicle purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/year> Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Account Ending in XXXX Response to XX/XX/year> Correspondence To Whom It May Concern : I am ni receipt of your correspondence dated XX/XX/year> stating that Citibank has received my inquiry but needs to speak with me regarding my account. XXXX willing to discuss this mater by telephone. However, Iam requesting that Citibank also maintain written documentation of this dispute and provide a written explanation of the issues requiring discussion. As Citibank is aware, this mater concerns an unauthorized ACH withdrawal that has remained unresolved for an extended period of time and has now caused financial damages, credit-related harm, and hardship substantially exceeding the original {$500.00} transaction. Despite my repeated efforts to resolve this matter, the disputed funds have remained unavailable while Citibank has continued to delay resolution. During the pendency of this dispute, my available credit was reduced, causing additional financial hardship and contributing ot an over- limit account status. These actions have increased the damages associated with this matter and have adversely affected my financial condition. Accordingly, I request that Citibank provide written confirmation of : .1 The current status of the dispute investigation ; 2 .Whether the disputed ACH transaction remains under review ; 3. Whether any additional information or documentation is required from me ; 4. The reason for hte reduction ni available credit during the pendency of this dispute ; .5 Whether Citibank has determined that the disputed funds should be returned ; 6. The anticipated date for final resolution of this matter ; and 7. Any findings, conclusions, or determinations made by Citibank regarding my dispute. Nothing in this correspondence should be construed as a waiver of any rights, claims, remedies, complaints, or regulatory actions previously asserted or that may be asserted in the future. I expressly reserve al rights relating to this matter, including claims arising from financial damages, credit-related harm, additional expenses, and hardship resulting from Citibank 's actions and delays. I request that al future communications regarding this mater be provided ni writing ni addition to any requested telephone discussions. 1

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
See attached. First attempt was denied, claiming this is my " usual pattern '' of using XXXX XXXX. But even XXXX XXXX found that is a suspicious spending pattern in a short period of time. Navy Federal still ignores this piece of conclusive evidence and denied my whole claim of {$7900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Summary of Events : On XX/XX/year>, I deposited a {$15000.00} check into my XXXX XXXX checking account. The check was a hardship distribution from my XXXX ( b ) retirement plan, issued specifically to prevent my eviction on XX/XX/year>. I have written approval from the plan and a copy of the eviction notice. My account was overdrawn prior to the deposit. I deposited the check to bring my balance positive and to unfreeze my OOPS ( Overdraft Protection ) service, which had been frozen because my account was overdrawn for more than 30 days. Navy Federal placed a XXXX hold on the check, releasing only {$270.00}. The remaining funds are not scheduled to be available until XX/XX/year> XXXX day after my eviction deadline. When I explained the hardship and the imminent eviction to a supervisor, he was rude and told me there was nothing the bank could do. He said the funds are held until XX/XX/XXXX, " the end, period. '' Because of this hold, I can not pay my rent to stop the eviction. I also have no money for food or other basic necessities. My family is going hungry. I have no access to emergency rental assistance or legal aid in my area. Navy Federal has placed a verified, documented hardship check on a hold that directly defeats the purpose of the distribution. This is causing imminent homelessness and severe financial distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I perform a service for a client even got another vender that I paid for requested by the client just for them to contact their bank and they never authorized the charge which is lie they stole XXXX from me I have a no refund policy

Company response to consumer: Closed with explanation