vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Fay Servicing , LLC improperly handled insurance proceeds by depositing a check that they received for endorsement only, for damage to my primary residence in XXXX, Maryland. After a covered loss, my insurer issued payment for repairs. The multi-party check was endorsed by XXXX and sent to Fay Servicing, which placed the funds into a restricted escrow account on XX/XX/XXXX. The check was for {$10.00}, XXXX as of date Faye Servicing LLC has released {$1700.00} to XXXX on XX/XX/XXXX, that check was pick-up from me by a XXXX staff member. 
Fay Servicing has failed to timely release the insurance funds despite the repairs being authorized and performed. On XX/XX/XXXX, Faye Servicing LLC scheduled a third party zoom inspection of the home which clearly show that the dry out was 100 % complete by XXXX. 
I have received inconsistent and unclear explanations regarding the requirements for release, resulting in unreasonable delay. ( my communication timeline is attached ). XXXX XXXX have asked for several documents which my contractor and the insurance company have uploaded multiple times and they still have not released the funds. This has also caused a significant delay in the completion of my renovations. 

As a direct result of XXXX XXXX failure to properly administer the escrow and timely disburse insurance proceeds, I have been unable to pay my contractor in full, even though the funds exist. This delay caused the contractor to file a lawsuit against me seeking the remaining balance, attorneys fees, and interest. Court hearing is scheduled for XX/XX/XXXX in XXXX XXXX XXXX XXXX. Also, in this lawsuit against me it states that I received the check, which the check never came to me. The check was mailed directly to XXXX XXXX. I have made XXXX XXXX aware of the pending court hearing and again asked for the funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Freedom Mortgage Company
State: SC

Complaint narrative:
Freedom Mortgage services my VA home loan. I was current prior to being placed into a FEMA natural-disaster forbearance. During that period, Freedom told me the only option available was a hardship forbearance because I did not have verifiable income at that time eventhough I requested a VA Payment Deferral. 

After I became employed again, Freedom repeatedly placed me into multiple forbearances while stating they were working on a loan modification, even though I told them I did not want a loan modification and was requesting a VA Payment Deferral. 

Freedom Mortgage falsely stated that VA payment deferrals do not exist and refused to process my request for a VA Payment Deferral. This misrepresentation and improper forbearance cycling has blocked resolution of my loan, exposed me to default and foreclosure, and caused incorrect negative credit reporting. 

All calls with Freedom Mortgage were recorded by Freedom. I have requested copies and transcripts of these calls multiple times and was denied access to them. 

I am requesting that the CFPB require Freedom Mortgage to correct these errors, provide access to all call recordings and transcripts, process a VA Payment Deferral, repair any inaccurate credit reporting, and provide a written explanation of their actions.

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 2026-01-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased XXXX purifier on XX/XX/year> using PayPal Credit. The seller advertised hassle-free returns, but I can not use the product and requested a return. 
I sent multiple emails asking the seller to provide a prepaid return label or a return address, but the seller has not responded. 
I opened a dispute with PayPal, which was coded as item not as described and closed in the sellers favor, even though the return was impossible due to the sellers non-cooperation. 
I then contacted PayPal Credit to open a billing dispute, but they refused to help or escalate the case.

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 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TN

Complaint narrative:
I am filing a formal complaint regarding MOHELAs failure to properly apply federal student loan forgiveness to my account. 
I believe my loans qualify for forgiveness under federal relief programs, however MOHELA has failed to properly credit qualifying payments, failed to apply required account adjustments, and failed to process my loan discharge. 
MOHELA has also failed to provide accurate accounting of my payment history and forgiveness eligibility.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I was told to move out of XXXX XXXX in XX/XX/year> & this third party debt collector messed up my credit score by making false statements for cash and raised my account illegally to {$6000.00} & refusing to accept payment! They have a recorded phone line and our conversation was recorded where XXXX XXXX told me Im messing up his operation! Under law 1692k my rights have been violated & I should be awarded statutory damages ( compensation ) due to this third party illegal using my soft information for monetary gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was told that the bank account on my auto pay had declined. So as soon as I was aware that the payment didnt go thru I changed it to an account that was able to process the payment. Now they are charging interest on the payment the didnt give any grace period despite me paying off my bill every month is full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Complaint Description I am a court-appointed professional guardian for an elderly ward under a Florida guardianship proceeding. PNC Bank , National Association holds both a restricted guardianship account and an unrestricted guardianship account for the ward pursuant to court order. 

Despite being provided with all required court orders and guardianship documentationincluding orders authorizing account opening, transfer of funds from another financial institution, a court-approved monthly budget, and a specific court order directing the transfer of funds to pay the wards federal income tax liability to the Internal Revenue Service ( IRS ) PNC Bank froze both accounts without notice or written explanation. 

As a result of PNC Banks actions, I was unable to access court-authorized funds to : pay the wards assisted living facility, pay required medication copayments, deposit funds into the accounts, and comply with the court order directing payment to the IRS. 

PNCs failure to honor the court order requiring payment to the IRS has exposed the ward to additional penalties and fines, despite full compliance with court requirements on my part and despite the existence of a valid court order authorizing the payment. 

PNC representatives stated that their legal department required an order for the account, even though the bank already possessed multiple valid court orders governing these accounts and had previously honored similar transactions under the same authority. Bank staff refused to provide written justification for the freeze, refused to identify what documentation was allegedly missing, declined to permit communication with their legal department, and attempted to require my signature on a document without providing a copy. 

These actions interfered with my ability to carry out court-mandated fiduciary duties and caused direct financial harm by restricting access to funds necessary for the care of a vulnerable individual and compliance with a court-ordered federal tax obligation. 

I am requesting that PNC Bank be required to explain why access to court-authorized guardianship funds was denied, why a court order directing payment to the IRS was not honored, and what steps will be taken to prevent future disruption of access to funds required for the care and financial protection of a vulnerable person. 

NOTE : The office address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. 
The mailing address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
Restricted Account # : XXXX Unrestricted Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year> I made a purchase on XXXX XXXX using PayPal to buy an electronic gift card that met the stated requirements of PayPals XXXX Play promotion, but I did not receive the promotional reward. 
PayPal later stated that the transaction did not qualify because it was categorized as goods and services. I dispute this determination for the following reasons : XXXX. The official promotional terms do not clearly or conspicuously state that gift card purchases are excluded. Other financial institutions typically explicitly disclose gift card exclusions when such exclusions apply. 
XXXX. An electronic gift card is a stored-value instrument representing a contractual right to redeem goods or services in the future ; it is not itself a tangible good or a service at the time of purchase. 
XXXX. XXXX XXXX primarily sells books, movies, games, and apps which are commonly treated as goods or digital content. If those purchases qualify for the promotion, it is unreasonable and inconsistent to exclude an electronic gift card without clear disclosure. 
XXXX. Other customers who made similar gift card purchases received the promotional reward, while I did not. ( Evidence at the forum discussion at XXXX XXXX XXXX XXXX PayPals reliance on an undisclosed interpretation of the promotion and its inconsistent application reflect unfair treatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding deceptive redemption practices associated with the XXXX XXXX Rewards XXXX  credit card. 

I redeemed XXXX rewards points, expecting a value of approximately {$68.00}, consistent with how the point value was displayed on the XXXX and Chase Bank interfaces. 

When I redeemed those points back as 'cash ', the points were instead converted to {$8.00}!!!! This is from {$68.00}. 

On my statement {$68.00} applied, but nowhere on the statement was the true cash redemption of only {$8.00}. This has happened on numerous occasions, but I was NEVER aware of the drastic reduction. 

The redemption interface does NOT clearly warn me of this significantly lower value! I think this clearly misleads consumers and fails to meet fair disclosure standards. 

I am so hurt and disappointed with this deceitful practice that seems to target trusting people. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: MI

Complaint narrative:
A debt collector, XXXX XXXX XXXX, sent a text message to my mother regarding an alleged overdue consumer loan that is in my name, not hers. This incident occurred on Sunday, XX/XX/year>. 

The text disclosed the existence of the alleged debt, identified the sender as a debt collector, referenced an overdue account, and included a payment link. 

My mother is not a co-signer, joint obligor, or otherwise responsible for this debt, and I did not provide consent or authorization for third-party communications. 

This communication constitutes an unlawful third-party disclosure in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ). 

I am requesting that the company be held accountable for this violation and that appropriate corrective action be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Astra Business Services
State: TX

Complaint narrative:
I received a letter dated XX/XX/XXXX, stating that I have until XX/XX/XXXX, to respond. This letter is an attempt to collect a debt that I have already disputed and for which I previously sent a cease-and-desist notice when the account was with a different creditor. 

It appears the alleged debt may have been sold or transferred to a new creditor for collection, and the amount being claimed differs from the amount that was previously dispute. 
Which I also sent the new creditor a cease and desist letter.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Supplemental Response Wells Fargo evaded material requests ; request CFPB review of banks failure to provide GAAP accounting and 1099-C determination.

A. GAAP Accounting / UCC 3-501 & 1-308 Wells Fargo produced only monthly billing statements. These are marketing documents, not the GAAP general-ledger extract showing the asset side ( banks receivable ) and the corresponding liability side ( customers obligation ) that I requested under UCC 3-501 and 1-308. Until the bank proves the exact ledger entry that created the receivable and shows the corresponding authenticated wet-ink negotiable instrument, the debt is unenforceable under FDCPA 809 ( b ) and UCC 3-501 .

B. 1099-C/ IRS Form 1212 requirement The bank admits the account was closed XXXX XX/XX/XXXX with a {$3800.00} balance. Under IRS Reg. 1.6050P-1 ( a ) ( 1 ) a 1099-C must be filed if the bank ceases collection activity OR the expiration of the 36-month internal-collection period ( whichever is earlier ). The banks letter already signals it has submitted a request to ensure the credit bureaus are all reflecting the same informationi.e., it has ceased active collection and is merely reporting. That triggers the 1099-C filing requirement for XXXX no later than XXXX XX/XX/XXXX. I therefore renew my request for the 1099-C or a written statement from Wells Fargo explaining which specific exception in Reg. 1.6050P-2 it believes applies.

C. FCRA accuracy / 623 dispute Until the bank produces the underlying ledger and note, its credit-bureau reporting is inaccurate and not verifiable under FCRA 623 . I have the right to see the manner of the investigation the bank performed ( FCRA 611 ( a ) ( 1 ) ( A ) ). The enclosed statements are not verification ; they are merely the same unauthenticated data the furnisher already supplied.

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
We sent a wire XX/XX/year> to XXXX to a know receiver. Funds were expected XX/XX/year>. It was sent without issue and and the money never arrived. We have been asking for updates and XXXX traces and wire recalls since early XXXX. The money appears to be lost or held up at an intermediary bank. The last advice given to us by the receiving bank was that they did not receive the funds as we were told and the issue lies with our bank. We are trying to escalate as much as possible to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged overdraft fees on transactions that were later credited back to my account. 

XXXX XXXX charged {$15.00} on XX/XX/year> and credited it back on XX/XX/year>. An overdraft fee was still charged on XX/XX/year>. 
XXXX charged {$370.00} on XX/XX/year>, which was later credited back, yet a {$35.00} overdraft fee was assessed and not refunded. 

I contacted Wells Fargo and escalated this issue. On a call at approximately XXXX XXXX  EST, lasting 37 minutes, I spoke with Supervisor XXXX in the Escalation Department, who stated that I was entitled to refunds for both overdraft fees. 

The supervisor advised that approval was required from another internal party. That party later denied the refunds, stating the overdraft fees could not be reversed because the merchant credits were labeled as returns instead of reversals. 

This distinction is irrelevant to the consumer impact. The transactions did not remain posted, the account was made whole, and Wells Fargo incurred no loss. Refusing to refund overdraft fees based on internal coding or merchant notation is an unfair fee practice. 

I am requesting a full refund of all overdraft fees tied to these credited transactions and a review of Wells Fargos handling of overdraft fees related to returned or credited transactions.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I was incarcerated from XX/XX/XXXX until XX/XX/XXXX I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I'm very distraught from this situation as it keeps me and my family of XXXX from being able to buy a home and taking full control of opportunities available to me as a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: NC

Complaint narrative:
I am writing to formally update and clarify my complaint regarding the alleged rental debt being reported by JJ Marshall. 

I did not sign any rental or lease documents associated with this account. I have recently learned that the documents in question were signed digitally, and I want to state clearly and unequivocally that I did not authorize, execute, or consent to any digital or electronic signature on behalf of myself for this rental agreement. 

The use of a digital signature does not validate the debt when the signature itself was not created or approved by me. I did not apply for this rental, did not occupy the property, and did not receive any benefit from the alleged agreement. Any digital signature appearing on these documents was applied without my knowledge or permission, which constitutes identity theft and fraud. 

Because the rental documents were not signed by mephysically or electronicallythe alleged debt is invalid and unenforceable. Under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft protections, I am formally requesting the following : 1. Immediate deletion of this debt from all credit reporting agencies 2. Cessation of all collection activity related to this account 3. Written confirmation that the account has been removed and closed as fraudulent

Company response to consumer: Closed with explanation