vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: NY

Complaint narrative:
-Loan signed XX/XX/year> -Deferred-interest structure with retroactive interest -Attempting to cancel within 3 business days -Portal does not allow written cancellation -Risk of thousands in interest if cancellation not honored -Request : loan voided, no disbursement, no credit reporting The medical provider ( XXXX ) has not responded to cancellation requests, and XXXX has indicated they are waiting on the provider. I am seeking cancellation directly with the lender/servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
My mortgage was sold to Mr. Cooper, now combined with XXXXXXXX XXXX. After receiving my escrow statement and analysis, I noted that the claimed shortage was entirely too high to be accurate. I went through and identified where the analysis is missing payments I made into the escrow account that would make the shortage not as high as claimed. However, the company wants to tell me that the actual paid amounts are incorrect but the shortage amount is. They are trying to justify an incorrect shortage amount using faulty data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dispute the accuracy and completeness of this collection tradeline. The furnisher has repeatedly failed to provide competent evidence of legal standing/authority ( ownership/assignment or placement authority ) for this specific account and has only sent a generic statement that I owe the original creditor. Because the furnisher can not substantiate the basis to report this account, it is not verifiable. Under 15 U.S.C. 1681i ( a ) you must conduct a reasonable reinvestigation, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) you must delete information that can not be verified. Continued reporting also violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Please delete this tradeline, or provide the results and procedure details required by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: PA

Complaint narrative:
Funds were unlawfully removed from my account for overdraft fees despite opting out for it. I recently filed a complaint, and it was marked as resolved but I was never contacted by the bank or refunded. I have attempted to resolve this countless times and have never been contacted, it keeps happening.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a problem with this bank because they have created a discrepancies on Wire transactions received from a customer XXXX XXXX on XX/XX/XXXX and XX/XX/year> for XXXXXXXX XXXX and XXXXXXXX XXXX respectively, this transactions are completely cleared because are payments to me and my business and this bank is making a problem without any reason because said that transactions are not for me but is ironic, no one make a international transactions wrongly so please understand that!, the bank said is a discrepancy because the wire transactions are on name of " XXXX XXXX '' but is obviously that names matched with me and my business and all on the bank can see that my name is XXXX XXXX XXXX and XXXX XXXX name is XXXX XXXX XXXX XXXX, so the name on wire transfers XXXX XXXX are obviously match and maybe the client just named your transfer as Marthas Consulting because is me as XXXX and XXXX as my business and is just an abreviation, these are and upset and incredible actions from this bank using this excuses for block and make this arbitrary actions to me and my business, I have more of 1 months waiting for communications from this bank or my funds release but the time has been long and not want to still waiting more so please need cooperation from this bank to release my funds as per law and rights customer and my money is not gain any interest and is a medium amount because is a big hole on my business as a result of this arbitrary treatment for this bank, if is needed start a or suit an attorney and legal procedure please let me know that because as you can see the amount of my money hold from this bank are a big amount and I will request a loan if is needed for start a legal process on court, anyway I just want cooperation from your side and just want an attention from an human agent and finally solution for this situation...

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 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
National Default Servicing Corporation ( NDSC ) is acting as foreclosure trustee on my California property. On XX/XX/year>, I disputed the debt in writing and requested validation. XXXX has represented that the debt was sold and has not substantiated that it is the party entitled to enforce the debt or authorize foreclosure in its name. 


Despite receipt of my dispute and notice that beneficiary authority was contested, NDSC has continued foreclosure activity. In its response, NDSC relied on historic loan documents and did not identify the present beneficiary or validate who is entitled to collect. NDSC further confirmed it does not independently verify present foreclosure authority once authority is disputed.

NDSC has also made misleading representations that the issues were litigated and decided in XXXX favor, when no court has issued a merits determination establishing XXXX as the present party entitled to enforce the debt. Foreclosure is being used to collect a disputed debt in violation of the FDCPA. 

ATTACHMENTS :. Complaint Exhibit A : FDCPA written dispute / debt validation letter ( XX/XX/year> ) Exhibit B : XXXX - NDSC CFPB response of XX/XX/year> Feedback to response from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mobiloans, LLC
State: WA

Complaint narrative:
MobiLoans LLC is illegally collecting and reporting a consumer loan to me while not being licensed to lend in Washington State.

The Washington State Department of Financial Institutions confirms MobiLoans is not authorized to lend in Washington. Under RCW 31.45.105, loans issued by unlicensed lenders are void and unenforceable.

Despite this, MobiLoans continues to report this illegal account on my credit report and attempt collection. 

I am requesting immediate deletion of this account from all credit bureaus and written confirmation that no balance is owed.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT is furnishing unvalidated debt information under my Legal Name to XXXX. After review of the information, I have determined that the information being shared is false and misleading. The company may be furnishing this false and misleading information to others as well. I also discovered that the company is misrepresenting mentions of the Fair Credit Reporting Act and Fair Debt Collections Practices Act in an effort to make the reporting and sharing of this information appear to be legal. I have never done business with this company and never gave any direct permission for this company to obtain, utilize, store, or share my personal information with others. Their actions has caused my identity to be exposed in a derogatory way which is directly affecting my household and credit reputation. I have attached copies of my notices to the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I am writing to dispute a collection account that has been reported in my name, which I do not recognize and did not authorize. This account is unverified and is not mine. I have been subjected to repeated and harassing communications through multiple channels, including threats of legal action. This situation is extremely distressing, has negatively affected my mental health, and is causing sleepless nights. It is unacceptable that my rights as a consumer are being violated in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: NC

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding payday loan ( s ) I have with the following companies : OppLoans XXXX I am experiencing the following issues : 1. I have been charged excessive or unclear interest and fees, and I am seeking a full accounting of my account ( s ). 
2. I have attempted to resolve this directly with the lenders, but my requests for verification, clarification, and a fair resolution have not been adequately addressed.

3. I am concerned that the handling of my account ( s ) may violate federal and state consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and applicable state lending laws. 

I request that the CFPB investigate these matters and assist in resolving my complaint. Specifically, I am asking for : A review of the account ( s ) to ensure all charges and practices comply with federal and state law. 
Guidance or enforcement action to stop any improper or excessive charges. 
Assistance in achieving a fair resolution of the outstanding balances. 

Enclosed/attached are copies of all correspondence I have sent to these companies, including letters requesting verification and account clarification. 

Thank you for your attention and assistance. I look forward to your prompt review and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Law office of Hayt, Hayt & Landau LLV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Re : Account Number XXXX To Whom It May Concern, I am requesting written validation of the alleged debt referenced above. This correspondence is not an admission of liability. 



Under the Fair Debt Collection Practices Act, I am requesting verification of this debt, including but not limited to : Proof that I am legally obligated to pay the alleged balance The name of the original creditor and complete account history A detailed accounting of the amount claimed Copies of any contracts, agreements, or statements bearing my name Proof that your firm is licensed and authorized to collect this debt in New Jersey Please note that all collection efforts must cease until proper validation is provided. Any failure to comply will be documented. 



I appreciate your prompt attention to this request. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
My mortgage servicer, Rocket Mortgage, failed to pay my county property tax on time despite sufficient funds being available in my escrow account. 

Prior to the tax due date, I noticed that the tax bill had not been paid and proactively contacted Rocket Mortgage to notify them and request that payment be made before the due date. Despite this notice, Rocket Mortgage failed to act, and the tax became delinquent, resulting in penalties and interest. 

The county tax bill explicitly states that if a borrower has an escrow account, the bill is made available to the mortgage company. As the escrow servicer, Rocket Mortgage had access to the tax bill and the obligation to pay it on time. 

Following the delinquency, Rocket Mortgage improperly used my escrow funds to pay the penalty and interest totaling {$83.00}, shifting responsibility to me for an error I did not cause. I contacted Rocket Mortgage multiple times via email and phone calls, and a case was opened. However, more than three weeks have passed with no resolution or response. 

I am disputing this matter as an escrow servicing error. I am requesting a full reimbursement or credit of all penalties and interest back to my escrow account, along with written confirmation that this issue has been corrected and will not recur. 

This appears to be a violation of RESPA escrow servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX representing HSBC Bank. The caller was " XXXX XXXX '' and the phone number was ( XXXX ) XXXX, a re-routed local number. The number she gave me to call was ( XXXX ) XXXXXXXX XXXX XXXX. 

When I returned the call, XXXX told me that my credit card opened in XXXX was XXXX XXXX and that XXXX XXXXXXXX in interest has been added over the past XXXX years. I was also informed there is a " Legal Fee '' of {$3500.00} now due. The person had my personal information, including my new personal cell phone number and address details. They claimed that I was being sued for balances owed to HSBC Bank. I asked for details and she could not provide any current details, but threatened legal action. 

If this is a scammer ( likely ) it needs to be investigated and shut down immediately before they take advantage of other consumers. 

If it really is HSBC, the call was illegal since my original small debt was XXXX in XXXX in XXXX. HSBC was listed on the XXXX, and the debt has not been on my consumer credit profiles for over a XXXX. Even without a XXXX, is it legal in XXXX XXXXXXXX to collect a credit card debt that is XXXX XXXX XXXX, without reporting it on a consumer credit profile, and adding $ XXXX in interest for a debt I didn't know existed? 

Either way, I am requesting an investigation into this matter so we can keep other consumers from dealing with these kinds of illegal threats. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XXXX  I financed a XXXX XXXX solar system through Dividend Finance, installed by XXXX XXXX XXXX in XXXX Kentucky. The installer promised a 25-year warranty and projected annual energy production of approximately 10,000 kWh, which were key factors in my decision to finance the system. Shortly after installation, the installer filed for XXXX XXXX bankruptcy, leaving me with no warranty, no support, and no viable repair path. 

Since installation, the system has underperformed by roughly 2030 % ( 7,0008,000 kWh actual vs. 10,000 kWh projected ) and has experienced multiple days of zero energy production. Loan payments range from {$91.00} {$120.00} per month, but the energy savings do not cover these costs. 

I contacted Dividend Finance multiple times requesting cancellation of the loan, modification of loan terms, or assistance with repairs, but Dividend refused all requests. Their response only referred me to the equipment manufacturer XXXX XXXX XXXX ) and confirmed the loan was valid ; they did not provide any relief, loan modification, or remedy for the underperforming system or lost warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been receiving mail stating that a savings and checking account was opened under my name and address with US Bank. I have received statements showing deposits and payments made by check to pay a loan and credit cards. US Bank has been sending me mail notifications of insufficient funds in these accounts. This issue started in XX/XX/year>.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Individuals claiming to represent or act on behalf of Capital One or XXXX XXXX  are placing continuous calls to my phone, threatening to serve legal documents at my residence or place of employment regarding a Capital One credit card ending in XXXX from XXXX to XXXX ; filed in XXXX amount owed stated by the law firm and other companies is XXXX XXXXXXXX {$14000.00}. ( as stated by XXXX XXXX from XXXX and XXXX from XXXX ) The companies that have contacted me over the past several months ( XX/XX/XXXX ; XXXX XXXX XXXX ) were the following : XXXX XXXX ( XXXX ) XXXX Case number XXXX XXXX XXXX XXXX ( XXXX  ) - ( XXXX ) XXXX case number XXXX XXXX and XXXX XXXX Firm ( XXXX ) XXXX ) -reference number XXXX- XXXX cLIENT id XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX XXXX ( XXXX ) XXXX contacted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Despite repeated attempts to resolve this matter, my account remains restricted. On at least four separate occasions, between XX/XX/XXXX and XX/XX/XXXX, I contacted Coinbase customer support and successfully completed all requested identity verification procedures. Each time, representatives assured me that the matter would be escalated to the fraud investigation team and resolved. I have received no further communication or resolution. 

While Coinbase cites 'protection ' as the basis for these restrictions, the prolonged and indefinite suspension of the funds transfer function effectively constitutes a deprivation of access to my assets. This inaction is unconscionable, represents a failure to provide the agreed-upon service, and demonstrates a disregard for established customer trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
Called XXXX XXXX XXXX and explained to them that XXXX already collected on the debt for upstart who was the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year> Goldman Sachs provided my information to XXXX XXXX XXXX, without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Company : Venmo ( owned by PayPal ) Issue : Funds from completed cryptocurrency sale withheld Details of Complaint : On [ XX/XX/year> ], I sold [ {$78.00} ] in XXXX through Venmo. The transaction is fully confirmed on the blockchain ( TXID : [ XXXX ] ). Despite the sale being complete and no dispute existing, the funds have been held in my Venmo account as pending. 
On XX/XX/year> I contacted Venmo multiple times : Front-line agents 1st one hung up on after repeatedly stated the system can not override the hold. called back and spoke with XXXX XXXX Who transfered me to her supervisor [ XXXX XXXX On [ XX/XX/year> ], I spoke to a Risk Department manager [ XXXX XXXX who confirmed that the funds could not be released early and no manual override was possible. 
Venmos own help pages state that crypto sale proceeds may be held for up to seven days for review, but there is no valid reason for refusing to release funds for a completed, verified transaction. 
I am requesting : Review of this hold and whether it complies with federal and state financial regulations. 
Confirmation that funds from fully confirmed crypto sales are not being withheld improperly. 
That Venmo be required to release my funds immediately.

Company response to consumer: Closed with explanation