vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: eMortgage Funding LLC
State: MN

Complaint narrative:
Company Name : eMortgage Funding Involved Parties : XXXX XXXX ( Loan Officer, NMLS # XXXX ), XXXX XXXX ( Loan Consultant ) Date of Application : XX/XX/XXXX Description of Incident : I am filing this complaint against eMortgage Funding for failure to comply with federal disclosure requirements under TRID and ECOA. 

On XX/XX/XXXX, I submitted a complete refinance application ( including the " XXXX pieces of information '' required by law ) to XXXX XXXX. Subsequently, I spoke with XXXX XXXX XXXX XXXX, who verbally denied my ability to secure the requested terms, labeled my competing offer a " bait and switch, '' and stated he could not beat it. 

Despite my immediate and repeated requests for a Loan Estimate or a Formal Denial Letter ( sent via email on XX/XX/XXXX and XX/XX/XXXX ), both XXXX XXXX and XXXX XXXX have ignored my communications. Furthermore, I reached out to eMortgage Fundings corporate support address ( XXXX XXXX XXXX ) to report this lack of disclosure and have received no acknowledgement.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
Subject : Urgent Complaint Remitly Refusal to Issue Provisional Credit for Fraud Case Complaint Details / Timeline : XXXX. XX/XX/year> : I reported fraudulent activity on my Remitly account involving a recipient I trusted personally. The total loss exceeds {$5100.00}. 

XXXX. XX/XX/year> : At the direction of my bank ( XXXX XXXX XXXX XXXX ), I updated my payment method to allow a chargeback. 

XXXX. Since then : XXXX  Over XXXX  45 days have passed XXXX  since the payment method change, and XXXX  over 70 days since the original fraud report XXXX 
XXXX  The recipient has been flagged fraudulent. 
XXXX I have received XXXX no provisional credit XXXX 
XXXX I am experiencing XXXX  financial hardship XXXX including loss of income and inability to meet basic living expenses. 

XXXX. Recent interactions with Remitly XXXX XXXX  Called multiple times, including a XXXX  morning, and spoke with a XXXX ( XXXX XXXX and a supervisor. 
XXXX The supervisor claimed the case was out of jurisdiction, implying that I must track down foreign banks or the recipient myself which is XXXX  not my responsibility XXXX. 
XXXX  I was given only scripted apologies, no action, and no timeline for restitution. 

XXXX Impact : XXXX XXXX I am unable to access funds owed to me despite timely reporting of fraud. 
XXXX This has caused XXXX severe financial and emotional hardship XXXX 
XXXX Remitly has failed to comply with basic consumer protection expectations, including issuance of provisional credit or interim restitution. 

Additional Notes XXXX XXXX I have followed all instructions from my bank and Remitly, including updating my payment method to allow chargeback procedures. 
XXXX I do not have the ability or responsibility to track down recipients or international banks. 
XXXX I am documenting all calls, chats, and interactions for regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
b"On XXXX XXXX XXXX, the collector Radius Global Solutions received a formal debt validation request via Certified Mail (Receipt XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXthe FDCPA, they are required to provide validation of the debt before continuing collection or reporting. As of today, I have received XXXX documentation in the mail. However, on XXXX XXXX the collector reported to the credit bureaus that the 'dispute is resolved.' \n\nReporting a debt as verified without providing the consumer the underlying contract or proof is a violation of 15 U.S.C.  1692g(b) and 15 U.S.C.  1692e(8). I am demanding an immediate investigation and deletion of this unverified trade line."

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 non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I told I was going to be removed but nothing happened

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 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I had a 29 % intrest rate w no way of refinancing thru the bank or any one else. I paid on the car for four years and still ended up owing the price of the car bc of the interest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: CITIBANK, N.A.
State: PA

Complaint narrative:
They said XXXX hundreds dollars but I don't owned them anything the first item they sent me it was not as look like in the picture so I asked for the return label some of the items they said to me is out of delivery and when they return it they will charge me for the fee since then.

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 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
C.B.E Group at XXXX XXXX XXXX, XXXX XXXX, IA XXXX has been sending me collection notices in the amount of {$150.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, Jefferson Capital Systems received my certified written dispute and request for debt validation regarding an account they are reporting on my XXXX  credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ), collection activity must cease until proper validation is provided. Instead of providing validation, Jefferson Capital sent me a settlement offer. This constitutes continued collection activity without first validating the debt. 

As of today, I have not received any documentation proving ownership of the debt, a chain of assignment, the original contract, or the true Date of First Delinquency. 

Additionally, Jefferson Capital is reporting a Date Opened of XX/XX/year> for a debt that originated years earlier with XXXX. This appears to be improper re-aging and inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). 

This account does not appear on my XXXX XXXX XXXX  credit reports, raising further concerns about the accuracy and consistency of Jefferson Capitals reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My current XXXX  account appears to be limited. 

My account became limited as a result of me unable to provide a state ID and I had another account active. I was seeking to enable my old account and during that time, I did not have my state ID. 

I am please asking for XXXX  to reinstall my account. I now have my documentations and I will follow XXXX  rules accordingly. 

Please XXXX, give me a second chance. I really would like to use XXXX  and it's resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I am submitting this complaint regarding Ashley Furniture XXXX synchrony Bank and the administration of my retail credit account. 

In XX/XX/year>, I made a single purchase from Ashley Furniture. The total cost of the purchase, including taxes and delivery fees, was approximately {$800.00} {$1000.00}. Since the inception of the account, I have maintained a perfect payment history. I made all required monthly payments on time and, in addition, made a lump-sum payment of approximately {$200.00} in an effort to reduce the outstanding balance more quickly. 

Despite my consistent and timely payments, Ashley Furniture unilaterally reduced my credit limit on multiple occasions. These reductions materially increased my credit utilization ratio and negatively impacted my XXXX XXXX. Ultimately, Ashley Furniture closed my account. While I recognize that a creditor may close an account at its discretion, the financial consequences that followed raise serious concerns regarding the fairness and transparency of the accounts terms. 

After nearly XXXX years of on-time payments, my outstanding balance now exceeds the original purchase amount. I currently owe more than {$1000.00}, which is approximately {$400.00} higher than the balance associated with the original transaction. Based on my records, I have paid an estimated total of approximately {$1500.00} over the life of this account. In effect, I have paid significantly more than the original cost of the goods, yet my balance has not meaningfully decreased. 

This outcome suggests that the accounts interest structure, fees, and credit limit reductions operated in a manner that was not reasonably disclosed and may constitute unfair or deceptive practices under applicable consumer protection standards. The cumulative effect of these practices has made it practically impossible to amortize the balance despite good-faith efforts and consistent payments.

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 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I had a XXXX in XXXX  and due to medical reasons of being half paralyzed i was unable to complete my lease

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Formal Complaint regarding Illegal Hold on Payroll Deposit ( {$830.00} ) during Texas XXXX Storm Emergency To whom it may concern, I am writing to lodge a formal complaint against Bank of America regarding the unreasonable and potentially illegal hold placed on my mobile check deposit made on XX/XX/XXXX ( Check amount : {$830.00} ). 
XXXX. Violation of Regulation XXXX  ( XXXX XXXX XXXX ) : Under Federal Regulation XXXX, the XXXX  {$220.00} of a check deposit must be made available for withdrawal on the next business day. However, your system shows * * {$0.00} * * available, with the full amount delayed until XX/XX/XXXX. This is a direct violation of federal statutory requirements. 
XXXX. Abuse of " Exception Hold '' : The deposit amount of {$830.00} is a standard payroll check and does not meet the " Large Deposit '' threshold ( {$5500.00} ). There is no justifiable risk-based reason to hold these funds for XXXX calendar days. 
XXXX. Emergency Circumstances & Life Safety : Texas is currently under a State of Emergency due to a severe winter storm. By withholding my primary source of income during an extreme weather event, Bank of America is directly impeding my ability to purchase essential supplies, fuel, and heating. Any late fees, property damage, or personal hardship incurred due to this lack of access to my funds will be documented for future legal action.

Immediate Requirements : Immediately release at least the statutory {$220.00} as required by law.

Expedite the remaining balance considering the declared emergency in my region. 
Provide a specific, written legal justification if this hold is not lifted within XXXX hours. 
I have already documented the current account status and will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) if this is not resolved immediately. 
Regards,

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 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXXOn January 8, 2026, the collector XXXX XXXX XXXX  received a formal debt validation request via Certified Mail (Receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXXthe FDCPA, they are required to provide validation of the debt before continuing collection or reporting. As of today, I have received zero documentation in the mail. However, on XXXX XXXX  the collector reported to the credit bureaus that the 'dispute is resolved.' XXXXReporting a debt as verified without providing the consumer the underlying contract or proof is a violation of 15 U.S.C.  1692g(b) and 15 U.S.C.  1692e(8). I am demanding an immediate investigation and deletion of this unverified trade line."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: SC

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am writing to formally address a dispute claim filed against my business ( XXXX ) by customer ( XXXX ) from PNC Bank. This dispute contains false information, including a fabricated phone number and incorrect times/dates of supposed calls. I do not recall any contact from the customer on the dates alleged, and I have substantial evidence to support my position. 

Key points for your review : The customer provided a phone number that I can verify is not mine and is not on file for any legitimate contact related to my business. 
The times and dates listed in the dispute do not align with my appointment/communication logs. 
I have comprehensive evidence, including : My own phone logs showing no incoming calls from the claimed number or at the claimed times. 
Documentation from XXXX XXXX ( or relevant institution ) confirming the number on file for my account is correct and the customer did not contact me as alleged. 
Any dispute forms submitted by the customer that you require for comparison with my records. 
I am prepared to present all relevant evidence to resolve this matter quickly and fairly. 

Requested actions : Please review the disputed claim in light of the evidence I have provided. 
Verify the customers claimed contact details and the call records against the actual logs. 
Update or dismiss the dispute if the evidence demonstrates that the claim is false. 
Confirm receipt of this email and advise on any additional information or formats you require to complete the review. 

Attached/Enclosed evidence : Copies of my phone call logs showing no calls from the alleged number or on the claimed dates. 
Documentation from XXXX XXXX confirming the correct number on file and absence of contact with the customer. 
Any copies of the dispute forms you require for corroboration. 

Business transactions : XXXX took out {$680.00} out of my business account ( XXXX ) on XX/XX/year> without any authorization or consent. Didnt give me a chance to prove PNC bank filed false claims against my business. Once I proved PNC bank was wrong with documentation from my Bank XXXX XXXX they immediately closed the case. 

Please let me know a suitable timeline for the review and any next steps I should take. I am committed to resolving this matter promptly and ensuring accurate information is reflected in the records. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: IN

Complaint narrative:
I am submitting this complaint regarding a short-term installment loan I obtained through XXXX XXXX , funded by XXXX XXXX Bank . My concern is that this loan constitutes a predatory or debt-trap product that targets consumers with limited or poor credit histories. 

Specifically : 1. The loan carries a 223.99 % APR on a {$1200.00} principal, resulting in over {$4000.00} in total payments. This repayment structure is disproportionate to the amount borrowed and creates a high risk of prolonged indebtedness. 
2. While the company asserts that XXXX XXXX Bank is the lender, it does not clarify which entity controls underwriting, servicing, marketing, or bears the economic risk. Simply labeling the bank as the lender may obscure the true control and economic interest of XXXX XXXX, raising true-lender concerns. 
3. The product appears designed to encourage prolonged repayment rather than providing meaningful financial relief or a path to more mainstream credit products. This raises concerns under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). 
4. The company has threatened negative credit reporting if I cancel automatic payments, which may discourage the exercise of consumer rights. This practice does not address whether the loan itself is fair or non-abusive. 

I believe this loans structure and marketing create a cycle of debt that is harmful to consumers and may violate federal consumer protection laws. I request that the CFPB investigate whether this loan constitutes a predatory or abusive financial product and review the role of XXXX XXXX  and XXXX XXXX Bank in its origination, control, and servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Independence Capital Recovery, LLC
State: WI

Complaint narrative:
On XX/XX/year> INDEPENDENCE CAPITAL RECOVERY SOLUTIONS, LLC sent me a letter requesting payment for an alleged debt. On XX/XX/year>, I sent a Validation and cease and desist letter requesting their alleged debt to be validated with legitimate assignments of the debt from the original creditor to the secure XXXX and the back to the original creditor, all the assignments showing the debt transfer from the original creditor to the current creditor, assignments if the debt was securitized, I also demanded that if this debt was pass on to another collection to provide them with my dispute.. I disputed owning this debt to Independence Capital Recovery Solutions, LLC. Soon after I had XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX sending me letters requesting payment on the same alleged debt.. I had to deal with them individually and asking for Validation of debt. Now I have XXXX XXXX XXXX XXXX pre-legal department calling me and my son looking for payment .. they have made treats of court and attorneys fees on top of the full amount they seeking payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding CURRENT Bank and its cash advance and repayment practices, which I believe are unfair and harmful. 

I have been a CURRENT customer for over six months and have consistently used their advance feature during this time. I have always repaid my advances on time and in full. Based on this history, CURRENT has routinely allowed me to access another advance shortly after repayment. 

However, after repaying my most recent advance, CURRENT unexpectedly withdrew more than half of my paycheck from my account. This left me in immediate financial hardship and without sufficient funds for basic living expenses. Despite taking this large portion of my paycheck, CURRENT did not allow me to access another advance as it usually does and as it has consistently done for the past six months. 

There was no clear warning, explanation, or transparency regarding why such a large amount was taken or why my advance eligibility suddenly changed. This action feels inconsistent with their past practices and misleading based on how their advance feature has been presented and operated. 

I believe CURRENT Bank failed to provide fair notice, acted inconsistently with its own prior behavior, and caused unnecessary financial harm. I am requesting that this matter be investigated and that CURRENT be required to provide a clear explanation, correct any improper withdrawals, and review their advance repayment and eligibility practices. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I don't know who opened the account that is in collections but I did not. The collection agency is not licensed and bonded in Florida which makes it illegal for them to try to collect from me because I live in Florida. It is fraudulent what they are doing. Also, they are reporting to credit bureaus. The collections account is for {$300.00}. I've contacted the collection agency but have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation