vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
Issue : Mortgage servicer corrected an escrow error but is improperly withholding the majority of borrower overpayments and has ceased responding. 
Complaint : My mortgage servicer, Fifth Third Bank, made an escrow error that caused my monthly payment to be overstated by approximately {$1600.00} per month for XXXX months. As a result, I overpaid a total of {$4300.00}. 
The servicer has since acknowledged the error and corrected my ongoing monthly payment. However, they have failed to fully reimburse my overpayments. To date, I have received only {$740.00}, leaving an outstanding balance of {$3500.00} that has not been returned to me. 
When I contacted Fifth Third, I was told they could not reimburse me until the XXXX of XXXX reimburses them for excess tax payments. This is not an acceptable explanation. I overpaid Fifth Third, not the town, and their internal or municipal recovery process should not delay repayment of my funds. 
I sent a formal written demand requesting : Immediate repayment of the remaining overpayment A full accounting of how my payments were applied An explanation of why my funds are being withheld Fifth Third did not respond to this written demand and has provided no timeline for repayment. 
I am requesting CFPB assistance to require Fifth Third to : Immediately reimburse the remaining {$3500.00} Provide a clear accounting of my payments and escrow activity Cease withholding borrower funds without justification Address the lack of response to formal written correspondence This matter remains unresolved despite repeated attempts to resolve it directly with the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Multiple deposits and ACH withdrawls were made on my business checking account that I did not authorize. These occurred from XXXX. No email, phone or message warning about possible fraud. This account is to manage payroll and is not checked regularly. I noticed the fraud in XX/XX/year>. I went to the bank and filed a complaint with XXXX XXXX ( Frost bank, XXXX ). XXXX XXXX was the day the investigation began. No updates. I was told to wait and the total money lost is XXXX. 
Shouldn't a bank question an XXXX dollar withdrawl as possible fraud?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I did not consent to text messages, sent a photo copy of a bill to my phone, message stop. Please remove this debt from my credit. Illegally messaging me photo copy of my debt

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I received a statement in the mail from Total Visa saying that I owe the bill I called him to tell him that this is not my account and they told me to go to y'all 's website and make a report if the XXXX or XXXX and they're sending me an affidavit to fill out.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX email account was hacked, and an unknown individual gained unauthorized access to my financial information. This led to approximately {$1000.00} in fraudulent gift card purchases that I did not make or authorize. 

To secure my accounts, I had to contact XXXX, XXXX, and Chase and have all of my cards replaced with new numbers. I have filed a police report for identity theft, as requested, and I am providing that documentation to support this dispute. 

Please proceed with finalizing the claim, as the charges were not made or authorized by me. I've tried dozens of time to get in contact with XXXX but they have NO online or phone support and immediate hang up or reference you to a FAQ article with no additional support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I cashed ( 1 ) {$400.00} check on XX/XX/XXXX. I presented the check, the teller cashed the check, and I received the cash from Bank of America. 
On XX/XX/XXXX, I received notification that my account had a duplicate transaction, ( referring to the one cashed check for {$400.00} ). 
Bank of America then debited my checking account for {$400.00}. 
This action by Bank of America was totally unjustified and fraudulent. 

I have yet to receive a resolution to this matter, nor has my {$400.00} been returned to my bank account.

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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/year> I sent an application to change my payment plan from the save plan. I was put into a forbearance incurring interest against my will by Mohela. Mohela has engaged in unlawful and predatory practice by not providing sufficient and quick customer service and processing. It took them 4 months to review my electronic application for a new plan. I submitted all information required including more than sufficient evidence regarding my income. However, they still denied my application by incorrectly citing that the proof of income does not indicate if its my wife or myself when my wife is unemployed and its clearly my income information. Its is clearly predatory practice by Mohela because they are motivated by the fact they profit greatly from delays, they cause, by the millions of dollars in interest they add onto student loan balances. My balance alone has increased over XXXX dollars, in interest alone, in the months that Mohela was " processing '' my change of plan request. I demand they restore my balance amount to the original total prior to the interest accural due to the fact I made a good faith effort to change my plan swiftly and they purposely took an unusual and suspicious amount of time to process and deny my request. I also demand they immediately process my previous payment plan request with the information I provided. I have exhausted all efforts to speak with Mohela customer service as they provide unacceptable service. I have spent XXXX hours on the phone waiting for an agent when I try to resolve the issue with them directly. Waiting 4 months for a response is ridiculous and having XXXX hour wait times to speak to an agent is also unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have filed multiple disputes over multiple months for the XXXX XXXX XXXX XXXX XXXX  for the account with discover and they continue to deny my claims for refund despite having clear evidence of identity theft and account takeover from the other financial institution The amount is {$200.00}, {$150.00}, {$150.00}, {$26.00} These were ach sent to another bank that was identify theft and I previously provided documents to back up that I was not responsible for the accounts from the other financial institution on company letterhead and one of the things there letters mentioned that says no Account takeover was done is also false since I have provided evidence showing my phone was stolen at the time and I provided blacklisted IMEI proof and I also provided evidence of a federal trade commission identity theft report complaint i have provided insurance approval from XXXX confirming the phone was stolen and reimbursed for purchasing a new phone I also was previously identity theft victim with other banks and provided proof of this also. 

I wanted to get my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am submitting this complaint regarding Capital Ones refusal to provide meaningful hardship assistance on my credit card account. 

Approximately XXXX months ago, I lost my job and currently have no source of income. I proactively contacted Capital One to request temporary interest rate relief or a hardship accommodation, as my current interest rate of 24.99 % is making it impossible to stabilize my debt. 

Capital One informed me that they are unwilling to reduce the interest rate, but offered only to lower my minimum monthly payment. This option does not provide any real relief. At my current interest rate, my monthly interest charges alone exceed {$200.00}. Reducing my payment to approximately {$100.00} would cause my balance to increase each month rather than decrease, effectively pushing me deeper into debt. 

My total credit card balance is approaching {$30000.00}. I am deeply concerned that without meaningful interest relief, this situation will continue to worsen and place me into severe financial hardship. 

I want to emphasize that prior to losing my job, I had never missed or been late on a payment. I contacted Capital One proactively and in good faith, seeking assistance before defaulting. Despite this, they have refused to offer any interest reduction, temporary hardship program, or alternative solution that would prevent my balance from growing. 

I am requesting the CFPBs assistance in reviewing Capital Ones hardship practices and encouraging them to provide a reasonable accommodation, such as a temporary interest rate reduction, so that my payments can meaningfully reduce my balance rather than increase it. 

Thank you for your time and consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank has been taking {$15.00} out of my account daily weekly monthly for the last XXXX years all of the time it's getting very annoying that you're taking this money they will decline payments I make cuz I don't have the money but then they'll still take the {$15.00} charge I do not understand why they keep charging me multiple times a day and week and XXXX XXXX of XXXX XXXX passed an act which is a law that you the cap on overdraft is {$5.00} why do they keep taking XXXX I want my money back from XX/XX/2024 till now I should get {$10.00} back on each fee they took from me this is ridiculous they are robbing me blind if I did that to somebody I'd be arrested somebody needs to interject an m & T Bank for robbing consumers daily

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
I filed multiple debit card disputes with SoFi regarding billing errors based on a product not being as advertised and widespread platform failures by XXXX, a futures trading platform. The service sold was represented as a stable, real-time trading platform, but due to execution delays, system lag, and platform malfunctions, the service I paid for was not delivered as advertised. XXXX refused to provide refunds. 

The disputed transactions include : {$490.00} XXXX submitted XX/XX/year> {$490.00} XXXX submitted XX/XX/year> {$490.00} XXXX submitted XX/XX/year> {$490.00} XXXX submitted XX/XX/year> {$490.00} XXXX submitted XX/XX/year> The total disputed amount is approximately {$2500.00}. 

Under Regulation E ( 12 CFR 1005.11 ), SoFi is required to either resolve these disputes within 10 business days or issue provisional ( temporary ) credit while the investigation continues. As of XX/XX/year>, more than XXXX business days have passed since the first dispute was submitted on XX/XX/year>, and SoFi has not issued any provisional credit.

Instead, SoFi has only provided generic responses such as we are working on it, without issuing the required provisional credit or providing a written explanation for the delay.

SoFis failure to provide provisional credit while investigating these billing-error disputes has caused financial harm and appears to violate the Electronic Fund Transfer Act and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Chaparral Inc
State: OH

Complaint narrative:
I was sold a lemon from XXXX XXXX XXXX, XXXX Oh, XXXX XXXX XXXX XXXX. 
I had no insurance at the time and they allowed me to drive off of the lot illegally. In order to purchase the vehicle, I received a loan from North Coast Financial services, XXXX XXXX XXXX, XXXX Oh, XXXX. When I attempted to terminate my contract after several documented repairs done on my vehicle within XXXX  months of payment ; after I got my last repair ( whom XXXX XXXX XXXX recommended ) I blew a head gasket and attempted to return it. I believe I have been set up and scammed between these XXXX companies for a {$14000.00} debt on a lemon vehicle. Im am making a complaint today because NorthCoast is currently garnishing 25 % of my sole income and I can barely afford my bills and putting food on the table for my child. I am seeking a mutual resolution. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I notified Chime of an unauthorized charge from XXXX on XX/XX/XXXX. My claim was denied less than XXXX hours later on XX/XX/XXXX. I never authorized this purchase. I have my own XXXX account, and this transaction does not appear in my XXXX purchase history. My last legitimate XXXX purchase was in XXXX. 
I did not receive any text message, email, or other request from Chime to authorize this transaction. 
When I contacted Chime to ask for the reason for such a rapid denial, I was told it would take XXXX business days to receive the explanation. Before any explanation was provided, I received an email stating that my account would be permanently closed. 
The account closure occurred immediately after I questioned the denial and prevented me from reopening or appealing the unauthorized transaction claim. 
I believe Chime failed to properly investigate my fraud claim and improperly closed my account, which denied me the ability to dispute unauthorized charges totaling over {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I filed some fraud claims and filed a police report few days later they denied claims told me to refile I miss some transactions ok cool so I did wiht a rep next day my account was on hold its been a hold since XX/XX/XXXX without no explanation no help or response. Ive filed the disputed items correctly they didnt give me no credit in the regulation e timing nothing just keep saying your account is in review. It wasnt even more than XXXX Ive had my account for about a year now. Then when I call XXXX they wont even help me they cant tell me what risk is being stopped per my account on hold I cant login it says my account t is suspended I went in branch they still say we cant do anything gave me a number I called they said go in branch this is very frustrating I need access to my account and funds Ive been getting the run around I filed a occ complaint as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCREis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have had both of my bank accounts forcibly closed due to fraud activity. I told the bank I had no parts in that and tried to explain that the activity was not me but they can not help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: DE

Complaint narrative:
I am submitting this complaint regarding a collection account that is being reported inaccurately on my credit report and has not been properly validated as required by law. 
I previously requested validation of this alleged debt from the collection agency. To date, the collector has failed to provide proper verification as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ).

Despite this failure, the collection agency continues to report and/or verify this account to the credit reporting agencies. Reporting a debt that has not been validated constitutes the furnishing of inaccurate and unverified information, which is a violation of federal law.

The collection agency has failed to provide : A copy of a signed agreement or contract bearing my signature Proof that the collector has legal authority to collect this debt A complete accounting of the alleged balance Proof of assignment or ownership of the debt Verification that the debt is within the statute of limitations

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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Nelnet on my federal student loans. 

My loans were previously serviced by Great Lakes and were subject to the federal COVID-19 payment pause. I was not notified that my loans had transferred from Great Lakes to Nelnet, and I did not receive any billing statement or notice that repayment was resuming or that a payment was due in XX/XX/year>. 

The first time I became aware of any issue was after my account was already reported as delinquent. Once I learned that Nelnet was my servicer and that a payment was required, I promptly brought the account current, and it is now paid. 

Reporting my account as XXXX days delinquent from XXXX through XX/XX/year>, despite the lack of notice, billing statement, or clear servicing communication following the transfer, does not accurately reflect my payment behavior and resulted from servicing failures during the return-to-repayment process. 

I am requesting that Nelnet review this matter, apply any appropriate administrative forbearance, and correct the resulting credit reporting. 

Thank you for your assistance.

Company response to consumer: Closed with explanation