CFPB Consumer Complaint Profile
SHM Holdings, LLC
Behind the 14 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 14
- Total complaints
- Below average
- 1
- Last 12 months
- 100%
- Timely response
- Top decile
- 8
- States affected
The verdict
SHM Holdings, LLC ranks #3314 of 3,843 financial companies by CFPB complaint volume, with 14 complaints on record. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #3314
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Mortgage
- most-complained product
- 8
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
SHM Holdings, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 1 |
| 2021 | 8 |
| 2022 | 4 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for SHM Holdings, LLC
14 complaints against SHM Holdings, LLC appear in the CFPB record, including 1 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Applying for a mortgage or refinancing an existing mortgage," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, SHM Holdings, LLC posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 7.1% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does SHM Holdings, LLC have?
SHM Holdings, LLC has 14 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does SHM Holdings, LLC respond to complaints on time?
SHM Holdings, LLC has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for SHM Holdings, LLC?
Among all products tied to SHM Holdings, LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with SHM Holdings, LLC?
"Applying for a mortgage or refinancing an existing mortgage" is the single most frequently cited issue in complaints against SHM Holdings, LLC - see all issues and counts above.
How do I file a complaint against SHM Holdings, LLC?
You can file a complaint against SHM Holdings, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about SHM Holdings, LLC?
SHM Holdings, LLC has drawn CFPB complaints from 8 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does SHM Holdings, LLC have?
SHM Holdings, LLC has 14 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does SHM Holdings, LLC respond to complaints on time?
SHM Holdings, LLC has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for SHM Holdings, LLC?
Among all products tied to SHM Holdings, LLC, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with SHM Holdings, LLC?
"Applying for a mortgage or refinancing an existing mortgage" is the single most frequently cited issue in complaints against SHM Holdings, LLC - see all issues and counts above.
How do I file a complaint against SHM Holdings, LLC?
You can file a complaint against SHM Holdings, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about SHM Holdings, LLC?
SHM Holdings, LLC has drawn CFPB complaints from 8 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.