vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am filing this complaint regarding the improper handling of my mortgage escrow account and homeowners insurance for my investment property. 
My mortgage loan was serviced by PHH Mortgage during XXXX. In XX/XX/XXXX, servicing was transferred to XXXXXXXX XXXX, and my escrow funds were transferred as part of that process. 
Throughout PHHs servicing of my loan, I maintained an active escrow account that included monthly payments for both property taxes and homeowners insurance. Despite collecting these escrow payments, PHH failed to properly purchase or maintain homeowners insurance coverage on my investment property.

PHH did not use escrow funds to pay for homeowners insurance, even though escrow was required and funded. When I attempted to remove escrow, PHH informed me that escrow could not be removed. Additionally, documentation shows that insurance-related funds were refunded to escrow ; however, PHH never purchased the required insurance coverage for my townhome.

At no time was I provided with : Written notice of any lapse, cancellation, or deficiency in insurance coverage Written notice that insurance had not been paid from escrow Any warning that my property was uninsured As a result of PHHs failure to properly administer my escrow account, my investment property was left uninsured without my knowledge, placing me at significant financial and legal risk. 
After the servicing transfer, XXXXXXXX XXXX began charging me for lenderplaced ( forceplaced ) insurance in XXXX, increasing my monthly payment. I only became aware that my property lacked insurance when I gathered documentation in early XXXX and discovered that PHH had never maintained insurance coverage despite collecting escrow payments.

As a result of these servicing failures : My property was placed at risk without proper notice My escrow account reflects improper and inaccurate charges My monthly payment was increased due to forceplaced insurance charges I suffered financial harm, risk of loss to my investment property, and unnecessary stress I contacted the servicer on XX/XX/XXXX, to dispute these issues. However, the matter has not been properly resolved, and responsibility has been denied ( please refer to PHH Response_Denial letter attached ) - passcode is XXXX. 
I believe PHH Mortgage failed to comply with its obligations under RESPA related to escrow administration and notice requirements, and I request a full investigation, correction of my escrow account, removal of improper forceplaced insurance charges, and reimbursement for any resulting financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: WI

Complaint narrative:
XX/XX/year> I am submitting a formal complaint regarding XXXX, a debt collection agency based in XXXX, Texas. 

On XX/XX/year>, I spoke with a XXXX who identified herself only as XXXX XXXX. During this call, XXXX XXXX raised her voice and screamed at me while I was attempting to discuss my account. The interaction was hostile, aggressive, and entirely unprofessional. 

In addition to this incident, prior communications with XXXX at this company have also been rude and demeaning in tone. I was not treated with basic courtesy or professionalism at any point. 

Public reviews reflect hundreds of similar complaints describing verbal aggression, harassment, and unprofessional conduct. This suggests a pattern of behavior rather than an isolated incident. 

Debt collection agencies are required to comply with the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and abusive conduct. The behavior I experienced raises concerns about potential violations of these standards. 

I am requesting that this matter be formally reviewed and investigated. Consumers should not be subjected to intimidation or verbal abuse when attempting to resolve financial matters. 

Please confirm receipt of this complaint and advise regarding next steps.

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 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: HI

Complaint narrative:
I am submitting a complaint regarding a federal student loan serviced by Nelnet that was reported as delinquent despite my lack of effective notice or access to the account. 

I became aware of this loan only in XX/XX/2026 after a significant drop in my XXXX XXXX ( from approximately XXXX to near XXXX ). Prior to that, I did not receive any communication at any email or mailing address accessible to me, and I had no login credentials or awareness of the account. 

After identifying Nelnet as the servicer through a credit reporting agency, I contacted them immediately, verified my identity, and paid the balance in full. During that call, I requested consideration for removal of the late payment reporting but was informed the representative was not authorized to make such an adjustment. 

Despite this, multiple late payments continue to be reported. I have otherwise maintained an excellent credit history, and this was an isolated issue resolved at first awareness. 

I request that Nelnet review and remove the negative payment history associated with this account. I also request a detailed record of any notifications sent, including dates, delivery methods, and the addresses used. 

Given the lack of effective notice and my immediate repayment, the current reporting appears disproportionate and does not reflect my actual payment behavior. I would appreciate a clear explanation if this request can not be accommodated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX of XXXX, I purchased a mattress at XXXX XXXX in XXXX, CT. The salesman told me it was an interest-free loan. The loan was for {$6600.00} through Synchrony. I've been paying since then $ XXXX ( to date, {$6200.00} ). On XX/XX/XXXX, Synchrony added {$3700.00} on interest, even though by then I had already paid {$5000.00} out of the {$6600.00}. I had a remaining balance of {$1600.00} by the time they added {$3700.00}. I didn't know of it since I make monthly payments of {$200.00} because of the understanding that this was an interest-free loan. 
Today when I say the interest added, I spoke with XXXX representatives of Synchrony. Each of them told me there is nothing they can do, which I believe that to not be the case. 
in each of my conversations with the representatives, I explained the situation, and asked for XXXX of the following options : XXXX a goodwill reversal of interest XXXX a reduction of interest XXXX a reinstatement of promo period Synchrony is unwilling to work with customers who on good faith acquired a loan understood to be interest-free. They are uninterested in helping find a solution that might benefit both parties. 

I am therefore seeking the help of the Consumer Financial Protection Bureau to help me with XXXX of the XXXX above options, or any other option that this bureau considers to be fair.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a cashiers check from a new customer in the amount of {$10000.00}. Due to suspicious circumstances surrounding the transaction, including a request to forward some of the funds to a third party via XXXX, I took proactive steps to protect myself. I personally went to my Wells Fargo branch on XX/XX/XXXX and explicitly asked how I could ensure the cashiers check was genuine and fully cleared before making any payments to the third party. 
A Wells Fargo representative informed me that once the funds were fully available in my account, this meant the bank had received the money, the check had cleared, and it was safe to proceed. Relying on this professional guidance, and wait until the funds became fully available on XX/XX/XXXX and I waited XXXX more day to ensure nothing going to go wrong and on XXXX XXXX I begin making payments via XXXX XXXX starting with {$2000.00} and another payment of {$2800.00} on XX/XX/XXXX which both of them got processed on XX/XX/XXXX. 

Wells Fargo return the cashiers check on XX/XX/XXXX and reversed the deposit and informed me that the cashiers check was fraudulent. By that time, the funds had already been sent based solely on XXXX XXXX misleading representation that the check was cleared. I immediately contacted the branch and requested assistance, including stopping the XXXX transfers and correcting the situation. My case got reviewed and sent to de-escalatoin department and took XXXX  days to get back to me and I was informed that Wells Fargo would provide no assistance and help despite the fact that I had specifically relied on guidance from your staff to avoid exactly this type of fraud. 
As a result : I suffered a direct financial loss of approximately {$4800.00}. 
My business account balance went negative by almost for {$8000.00} My account remained negative for over XXXX days I incurred overdraft fees My business checking and savings accounts were adversely affected My XXXX XXXX dropped by over XXXX points Due to the credit damage, I incurred hundreds of dollars in additional financing costs when purchasing vehicles essential for my personal and business operations. 
This situation was entirely avoidable had accurate information been provided. I approached Wells Fargo specifically to confirm the validity of the cashiers check, and I relied in good faith on incorrect assurances from your staff. Funds availability is not the same as final settlement, and that distinction wasn't explained to me, when I specifically ask for it!

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/year> XXXX received a call from the " XXXX XXXX XXXX. They called from XXXX and the phone call lasted XXXX minutes, due to them disconnecting the call. They told me that I needed to pay the {$49.00} application fee and they were going to walk me through paying them on cash app. The writer did not give any verbal or written consent to take this payment or any of the amount of {$580.00} to some place called " XXXX XXXX  '' The writer ( XXXX ) is unknown to this but found out that the owner of both of these accounts is a scammer and he tried to get {$610.00} while on the phone with me and I was able to reject it, but unfortunately they did not ask yes or no for the XXXX payment. I contacted cash app because the XXXX  name of the payment attempt says " XXXX XXXX XXXX '' as the recepient. Cash app paid for them and their requests and refuses to pay back XXXX XXXX any funds at all. XXXX has talked to cash app and escalated it and they keep saying its a valid transaction, but its fraudulent and i need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Never received any notices from collections agency in regards to the debt before they added to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX transactions were deducted from my account totaling {$180.00} on XX/XX/XXXX I reported this to the bank on XX/XX/XXXX and to date I have not been given a provisional credit under the Consumer Protection of Regulation XXXX, these charges have been taken out of my account under fraudulent means without my authorization. The bank supervisors XXXX XXXX and XXXX of the fraud department says I have to wait XXXX business days while the case is being investigated. I feel this is unacceptable because this is the second case dispute that I've had to open from the same merchant ( XXXX ). The first case XXXX XXXXXXXX on XX/XX/XXXX a provisional credit was issued right away. The second case XXXX XXXXXXXX filed on XX/XX/XXXX for transactions totaling {$180.00} are being refused to be issued to me under the " XXXX XXXX of Regulation XXXX ''. This is all the money that I have and was allocated for bills, also I am on a fixed income and only get paid by Social Security once a month. Also I received an alert on my app that the debit card ending XXXX has been blocked on XX/XX/XXXX, if that's the case this whole issue is the fault of Citi Bank not protecting my funds cause that card was supposed to be blocked on XXXX XXXX from this first event of fraud 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 monetary relief
Consumer complaint received 2026-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America , N.A . regarding denial of my fraud claim ( Claim XXXX XXXXXXXX, Account ending in XXXX ) totaling {$690.00} after partial credit. It's worth mentioning that the overall fraudulent transactions were around {$1000.00}. I'm not sure if Bofa considered the rest fraudulent and not these ones yet Background and Timeline My mobile phone was stolen sometime end of XXXX, XXXX. 
Unauthorized transactions began immediately thereafter on XX/XX/XXXX. 
I later purchased a replacement phone end of XXXX, XXXX. 

The disputed transactions occurred between XX/XX/XXXX and XX/XX/XXXX and include multiple point-of-sale transactions at various merchants across XXXX XXXX, including food vendors, retail locations, and other businesses I have never visited. 

The transaction pattern reflects classic fraud sequencing : - Initial small testing charges on XX/XX/XXXX - A concentrated cluster of in-person Square transactions between XX/XX/XXXX XXXX final residual charge on XX/XX/XXXX This pattern is inconsistent with my historical spending behavior and inconsistent with my physical presence during that time. The transactions span multiple unrelated locations across XXXX XXXX that I do not frequent and have never visited. 

Banks XXXX for XXXX Bank of America denied {$690.00} of the disputed transactions stating : We confirmed the charge ( XXXX ) was made using XXXX of your verified devices, like a cell phone or tablet. 

This conclusion is fundamentally flawed. 

The device identified as verified was stolen prior to the beginning of the unauthorized activity. The mere fact that a transaction was conducted using a previously authenticated device does not establish cardholder authorization under the Fair Credit Billing Act ( FCBA ). Physical possession of a stolen device does not equate to consent or authorization. 

A stolen device used for fraudulent activity is not proof of authorized use. 

Additionally : The transactions occurred across multiple geographic locations inconsistent with normal consumer behavior. 
The pattern shows fraud escalation consistent with unauthorized possession. 
I informed the bank that the device was stolen and replaced. 
On XX/XX/XXXX, the bank requested additional information and closed the claim the same day, preventing meaningful response. 

This raises concerns regarding whether a reasonable and good-faith investigation was conducted as required under the 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 2026-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NC

Complaint narrative:
I ordered from door dash on XXXX XXXX in the amount of {$53.00}. It was canceled/voided and refunded back on that same day. After a couple of days I then notified Cash App because that was my form of payment and I didnt see the funds appear back into my account. They suggested wait give it up to XXXX business days. I contacted them today and got different statements from cashapp app saying it was already refunded back to my bank account linked to cashapp app and it was not. Someone also told me if I dont see the funds thats the merchant I need to speak with they havent refunded it. So I contacted door dash and Ive attatched proof of refund they said occurred XX/XX/XXXX. I talked with Cash App support and told them since my form of payment was with the Cash App card they are responsible if door dash sent my refund to Cash App and I have not got it and keep getting the run around. My bank ending in XXXX has no history of this my card used at payment for door dash was with the Cash App card ending in XXXX and funds have not appeared on either account so that like my refund of {$53.00} was stolen!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am filing a formal complaint against Nelnet regarding a serious account access failures, and reporting student loans on my credit report that I do not recognize and did not authorize. I have repeatedly attempted to access my account but the system states that no account exist under my information however, when I attempt to create a new account, I am informed the account already exist. This ongoing system failure has prevented me from accessing critical loan information reviewing documentation and exercising my right to dispute this account directly through the service. More importantly, there are XXXX student loans being reported by Nelnet on my credit report that I did not apply for authorize sign for or acknowledging except I have no knowledge of these loans and have never been able to obtain documentation due to Nelnet failure to provide account access. This situation was serious concerns regarding an accurate credit report and potential unauthorized and fraudulent activity. No nuts and inability to provide account. Accessibility or clear verification is preventing me from resolving this matter and cause harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Enterprises, LLC
State: TX

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unverified information being reported on my consumer credit reports by Revenue Enterprise. The following account is being reported : Collection Agency : Revenue Enterprise Amount : {$570.00} Date Opened : XX/XX/year> Reported On : All consumer reporting agencies to which Revenue Enterprise has furnished data I have never had any account or contractual relationship with Revenue Enterprise. I have never received any written notice, validation notice, billing statement, or communication from this company. I have no outstanding balance with the alleged original creditor. This account is entirely unknown to me and is being reported without my knowledge, authorization, or consent. This inaccurate reporting is causing significant harm to my creditworthiness. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Reporting information that can not be verified with competent evidence violates federal law.

Under 15 U.S.C. 1681s-2 ( b ), furnishers of information have a legal duty to conduct a reasonable investigation upon notice of dispute and must correct or delete inaccurate or unverifiable information.

Under 15 U.S.C. 1681c-2, information resulting from identity theft must be blocked from reporting.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide proper validation of the alleged debt. I have received no validation notice from Revenue Enterprise. Additionally, continued reporting of unverified information may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o.

This derogatory account appearing on my credit does not reflect principles of good faith and fair dealing recognized under the Uniform Commercial Code ( UCC ). State unfair and deceptive trade practice laws prohibit misleading representations or unsupported claims of debt. Continued reporting without proper verification undermines these protections and causes ongoing harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Despite evidence to the contrary, Wells Fargo is refusing to refund to unauthorized charges. I have attached the information that they provided to me in the information that I provided to them.

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 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
There was no debt owed after I left the apartments. They filed an eviction for me to move but no money was never requested with courts, just a judgment for me to vacate. Ive requested from the collection agency proof of the judgment owed but they never sent it. I think they had issues with someone stealing before new management came, but when I answered to the judgment. There were no money owed. They just wanted me to move because of fussing with management.

Company response to consumer: Closed with explanation