vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
CFPB Complaint Narrative Carrington Mortgage Services Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, We are filing this complaint regarding improper handling of loss mitigation, successor-in-interest protections, and foreclosure prevention efforts on our VA-guaranteed mortgage loan serviced by Carrington Mortgage Services. The original borrower and veteran on this loan, XXXX XXXX, passed away while active loss mitigation and loan modification efforts were already in progress with the prior servicer, XXXX. XXXX XXXX XXXX, XXXX XXXX daughter-in-law, is listed on the deed, and we have resided in the property as our primary residence while continuing mortgage payments in good faith until hardship circumstances arose. During this process : - Mortgage payments were refused unless the full past-due amount was paid - Prior active loan modification efforts were disrupted during transfer from XXXX to Carrington - Carrington failed to properly continue or honor prior loss mitigation review- We have repeatedly been required to restart the process - Carrington has limited us primarily to an unaffordable repayment plan rather than properly evaluating long-term VA retention solutions- We have submitted deed and ownership documentation confirming XXXX XXXX XXXX legal property interest , but have not received clear written confirmation of formal successor-in-interest recognition or full VA loan modification review - Foreclosure concerns remain despite ongoing good-faith efforts to resolve this hardship We believe these actions may constitute improper servicing practices, unnecessary delay, and failure to properly administer federally protected mortgage servicing rights under successor-in-interest and VA loss mitigation guidelines. We are formally requesting : XXXX. Immediate formal successor-in-interest recognition XXXX. Full VA loan modification review, including capitalization of arrears 3. Written confirmation that foreclosure activity is paused during active review XXXX. Correction of servicing transfer failures between XXXX and Carrington XXXX Review of all available VA foreclosure prevention options XXXX. Clear written communication regarding missing documents, review timeline, and case status We are acting in good faith to preserve our family home and seek a sustainable long-term solution. Carringtons repeated delays, repayment-only positioning, and failure to provide transparent progression through proper VA loss mitigation channels have created significant financial and emotional hardship. We respectfully request CFPB oversight and intervention to ensure compliance and proper review. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, we sold our rental property and the wire transfer was sent to Fay Servicing. On XX/XX/XXXX, Fay Servicing also debited a mortgage payment from my account. We received confirmation of payoff Monday, XX/XX/XXXX, at XXXX CST. Monday afternoon, at XXXX PST, I called Fay Servicing for verification of payoff, and also because I was locked out of my online account. After being placed on hold approximately XXXX minutes, the woman on the phone hung up on me, after I asked for her supervisor to call me since this woman was so rude. I asked for her name, and she hung up on me. Tuesday, XX/XX/XXXX, I attempted to log in to the Fay account and still could not gain access. Today, Wednesday, XX/XX/XXXX, I called Fay again and was hung up on again. TWICE, all because legally on the deed, our property is XXXX XXXX XXXX, NOT XXXX XXXX XXXX XXXX. There is XXXX XXXX XXXX XXXX, etc, after XXXX on the deed- I did not choose this, this is how the property was when I bought it. The woman from Fay refused to talk to me because I would not verify that it was XXXX XXXX '' - again, there is no XXXX XXXX '' on the legal deed, Fay Servicing must've decided to add the XXXX XXXX ''. She hung up on me. I called a second time, and presumably when they saw my number calling again, they hung up on me. I called back a third time, finally talked to a man named XXXX, who said they will not release a paid in full letter nor the last payment returned because it was on a Friday. He also informed me that there was a {$2300.00} prepayment penalty, none of which I was informed about when signing up for this mortgage. This is all news to me. Overall, Fay Servicing is very, very shady, unethical and should be put out of business for conducting predatory loans. Additionally, when I first took out the loan, I kept getting these weird calls from people that you can't understand, saying they were from Fay Servicing and asking for my social security number and other personal, identifying information. The harassment finally stopped when I filed XXXX of those online " do not contact me '' forms with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On XX/XX/year>, I discovered a {$69.00} charge associated with a recurring subscription for the XXXX XXXX service/app that I had never intentionally signed up for nor did I knowingly approve. Upon realizing that I had apparently been enrolled in a paid recurring subscription that I did not knowingly intend to authorize, I canceled the subscription immediately and promptly. I did not at any point meaningfully use the service after discovering the charge. I disputed the charge through my credit card issuer and provided supporting information regarding the circumstances of the transaction, including the immediate cancellation and lack of meaningful use of the service. However, I do not believe the dispute was fairly or thoroughly evaluated, and I received what appeared to be a generic denial rather than a meaningful review of the evidence submitted by Goldman Sachs XXXX Apple Card. I am submitting this complaint because I am concerned that the dispute resolution process did not adequately consider the facts and documentation provided regarding this recurring subscription charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery Services just started garnishing my wages from a credit card debt from XXXX. I believe I was XXXX at the time. The debt has been written off for years and not even on my credit report anymore. I did not receive anything and was not notified of anything until my wages started being garnished from my check today XX/XX/XXXX. When I contacted my employer they told me it was from a judgement made in XXXX in XXXX. I live in XXXX and have never been to XXXX. I have never received anything or had any court date. I tried to look up the court case they gave me from XXXX and found nothing in XXXX or XXXX. When I contacted them they told me they had 20 years to garnish it and could extend it. I! have worked for the past 10 years and none of this sounds legal. The debt was about XXXX dollars and I have no idea when they bought the debt, if they bout the debt, and what the original contract was or its validity. I am also confused why they waited 10 years. My work never gave me any paperwork or had me sign any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: Solar Mosaic LLC
State: CT

Complaint narrative:
I am filing this complaint regarding improper interest allocation and lack of response from my loan servicer, Solar Servicing LLC, in connection with my solar loan. On XX/XX/year>, I made my regular monthly payment of approximately {$440.00}. On XX/XX/year>, I made an additional payment of {$21000.00} intended as a principal payment. Prior to making this payment, Solar Servicing LLC confirmed to me in writing that any additional payment made on a different date than the monthly payment would be subject only to the daily interest accrued between the two payment dates, as the loan accrues interest daily. Despite this, when my {$21000.00} payment was applied, {$1600.00} was allocated to interest and only {$19000.00} to principal. Based on the loans APR of approximately 8.99 % and an outstanding principal balance of roughly {$70000.00}, the daily interest accrual is approximately {$17.00} per day. For the XXXX days between XX/XX/year> and XX/XX/year>, total accrued interest should have been approximately {$100.00}, not {$1600.00}. There is no contractual basis for nearly {$1700.00} in interest accruing over a sixday period, and the loan agreement states that interest accrues daily based on days actually elapsed and the unpaid principal balance. The agreement contains no prepayment penalty and no provision allowing advance, billedcycle, or capitalized interest to be applied to voluntary principal payments. I contacted Solar Servicing LLC multiple times via email and phone calls requesting a written, itemized explanation of how this interest amount was calculated, including the principal balance used, daily rate applied, dates included, and contractual basis. No response was provided, despite followup attempts. I am in the process of refinancing the loan right now with a HELOC and will be paying it off asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wallet and vehicle were stolen, and as a result, unauthorized charges were made on my XXXX credit card by a third party. I reported these charges within 60 days of the statement date and submitted a police report documenting the theft. No PIN was used in the transactions. At the time I had two identification cards due to a correction made with the Texas Department of public safety. My current and correct identification was in my possession, while an older identification card was left in my vehicle. Any identifications used in these transactions would have come from the stolen vehicle. Despite reporting the fraud and providing documentation, XXXX has denied my dispute and has refused to reopen or reinvestigate the matter, stating that no further action can be taken without new documentation.. I have made several attempts over the past few years to have this matter reopened and reviewed, but XXXX has refused to do so. I believe XXXX did not reasonably consider the information I provided and is incorrectly holding me responsible for charges I did not authorize. I have continued making minimum payments on the account to protect my credit, not as acceptance of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 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: GA

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 XXXX Code XXXX - XXXX 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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have an account with PayPal and every first of the month, I choose grocery store rewards of 5 %, on XX/XX/year> for a total of {$1500.00} I never received my rewards money to my account. Even if I was told three different times by customer service that my rewards money was in my account. I tried to make a transaction using my rewards funds. And PayPal declined my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, an unauthorized {$2500.00} payment was sent from my PayPal account to XXXX XXXX. This transaction was not authorized by me in any way. Prior to the unauthorized transaction, an unauthorized phone number was added to my PayPal account without my permission, indicating that my account had been compromised and taken over by a third party. I contacted PayPal within approximately five minutes of the XX/XX/year> transaction occurring and immediately reported the transaction as fraudulent and unauthorized. During my call, PayPal representatives assured me that my money was safe and that the issue would be handled appropriately. The transaction also should not have been approved because the linked XXXX bank account did not contain sufficient available funds at the time the transaction was processed. Despite this, PayPal still funded and processed the {$2500.00} transfer. I requested that PayPal conduct a full account takeover and fraud investigation, including review of unauthorized account changes, login activity, IP/location information, and device access history. I also requested reversal of the unauthorized transaction. PayPal denied both my original claim and appeal, stating only that the transaction was consistent with my transaction history, despite the clear indicators of account compromise, including : unauthorized phone number added to my account, out-of-state access/login activity, immediate reporting of the fraud, and lack of authorization for the transaction. PayPal has failed to properly investigate this account takeover and is attempting to hold me responsible for an unauthorized fraudulent transaction. I am requesting that PayPal reopen the investigation, reverse the unauthorized {$2500.00} transaction, remove any resulting negative balance or collection activity, and provide the fraud investigation records and account access logs related to this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> there were 39 withdrawals from my banking account with Wells Fargo for a total of {$3000.00} ( account was emptied ). All these withdrawals were made using my Bank Debit card information and money transfers through XXXX XXXX. I had used XXXX XXXX to transfer {$50.00} general monthly to a person in XXXX for about 20 years at no time was more than one transaction made in a day and at most two a month. I did not authorize these transactions on XX/XX/year> or give my debit card information to anyone for these withdrawals. I have tried repeatedly to get the Bank and XXXX to recognize this clear case of fraud and replace the stolen funds. Can you help in this manner.

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 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
when I requested my payoff amount, I discovered I was being charged incorrectly for PMI. At closing, I put 20 % down to avoid paying PMI. I spent a lot of time going back and forth with agents a time on the phone. No one could explain why I was being charged PMI. The first few months, I was not, but in XX/XX/year>, I incurred three PMI charges and then monthly thereafter. The servicers error delayed the payoff, and I am demanding a waiver of interest for the period of the delay ( the per diem charges ). I was finally credited for the wrongfully charged PMI, but it delayed me paying off and thus caused me to pay more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
Subject : Misapplied Payments, Incorrect Loan Balances, and Withheld Refund of Overpayment ( {$12000.00} ) Summary of Issue : I am disputing multiple servicing errors that resulted in incorrect loan balances, misapplied payments, and an overpayment of more than {$12000.00} that has not been refunded despite repeated assurances and documented errors. Detailed Timeline : For more than six months, my XXXX school loans showed {$0.00} balances when I logged into my account. Months later, balances suddenly reappeared on loans that had been fully paid. I called my servicer and was told the payments had been misallocated to interest instead of principal, and that I had overpaid and would receive a refund. To prevent further erroneous balance increases, I paid the loans in full. This resulted in an overpayment of {$12000.00}. I was told a refund would be issued in 90 business days. After nine months with no refund, I called on XX/XX/XXXX and was told that because the loans were now paid in full, a refund could not be processed, but the representative would request an evaluation. I called again one month later ; the representative could not provide any update and said he would escalate the issue. On XX/XX/XXXX, I spoke again with the representative from XX/XX/XXXX, who confirmed my account had been reopened but the refund had not been re-requested. She escalated the case. On XX/XX/XXXX, I was told the case had been assigned to the accounting team. On XX/XX/XXXX, I was told again that because the loans were paid in full, I was not eligible for a refund despite the servicer previously acknowledging the errors and promising a refund. Nature of the Error : Misapplied payments Incorrect balances appearing months after payoff Conflicting and incorrect information from servicer representatives Failure to process a refund for a documented overpayment caused by servicer error Excessive delays ( 9+ months ) without resolution Requested Resolution : I am requesting : 1. A full audit of my account, including payment allocation and balance history. 2. Correction of all misapplied payments and erroneous balance increases. 3. Immediate issuance of the full refund of my overpayment ( {$12000.00} ). 4. Written confirmation of the corrected loan history. Attachments : 1. Detailed timeline of events 2. Payment confirmation email on XX/XX/XXXX 3. Payment confirmation email on XX/XX/XXXX 4. Correspondence XX/XX/XXXX - Letter to Mohela Payments or Bills on XX/XX/XXXX with response from Mohela and Letter Letter to Mohela Complaint on XX/XX/XXXX with response from Mohela 5. Correspondence XX/XX/XXXX - Letter to Mohela Payments or Bills on XX/XX/XXXX with response from Mohela and Letter to Mohela Other on XX/XX/XXXX with response from Mohela

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank processed and approved 3 fraudulent charges that were made to my Business account. I dlcharge dispute was made on XX/XX/year> for the amount of {$5900.00}. TD Bank denied my claim concluding that an error did not occur. Stating that " similar transactions were authorized and spending pattern is consistent with previous account history. I have appeal theor decision and also filed a report with the local police. Td Bank never verified neither by text, call or email those transactions before proceeding with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Last year I completed a loan modification with XXXX XXXX. The sold it to a company called PHH, which is now Onnity. The did " escrow analysis '' and raised my morgage from {$1800.00} to {$2100.00}. I informed them that this goes against my modification agreement, and they need to correct it. They offered to research the issue, when I asked for legal, they blew me off.

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