vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 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: Sunlight Financial LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, we began working with XXXX XXXX. In XX/XX/XXXX, we were persuaded to add more panels based on a promise of 95100 % energy coverage and a {$17000.00} federal tax credit. XXXX failed to disclose that this credit required specific tax liability, creating an immediate financial gap. Following installation delays and premature billing from Sunlight Financial before the system was even active, performance declined steadily from XXXX onward. From XXXX to XX/XX/XXXX, the system failed completely ( we continued paying our solar loan payments ), producing zero energy. This led to astronomical utility costs and XXXX XXXX ' energy for winter, resulting in a {$390.00} electric bill in XX/XX/XXXXXXXX alone. We are now forced to pay {$600.00} $ XXXX monthly between our solar loan and utility bills. Despite multiple attempts to resolve this, XXXX only provided a {$680.00} reimbursementless than one months worth of our total costs. This has caused extreme debt and severe emotional strain. We were sold a savings solution that has become a predatory financial burden. We demand an immediate professional inspection and repair to meet the 100 % coverage guarantee. We request a cancellation of our contract and full reimbursement for our financial losses. * I am filing this complaint because Sunlight Financial used a technicality to avoid responding to my previous complaint ( Case # XXXX ). I have attached a signed Third-Party Authorization naming me, XXXX XXXX , as an authorized party for all communications regarding the borrower, XXXX XXXX XXXX account. Also, he has already contacted XXXX XXXX to formally authorize me to prevent further administrative stalling.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The Bank of America unilaterally canceled one of my credit card accounts without my prior request, consent, or authorization. As a direct result of this action, my credit score decreased by more than XXXX points, causing substantial financial harm. At the time of the cancellation, I was actively engaged in the process of purchasing a home. The sudden and unjustified reduction in my credit score materially affected my creditworthiness and directly contributed to the denial of my loan application. I hereby submit this formal complaint and respectfully request a comprehensive investigation into the circumstances surrounding the account closure. I further request appropriate corrective action, including but not limited to the restoration of my credit standing and any necessary updates to all relevant credit reporting agencies to accurately reflect my credit history. I reserve all rights available to me under applicable federal and state laws.

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 2026-02-19 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: CA

Complaint narrative:
I am filing this formal complaint against Citibank ( XXXX XXXX ) for violating the Fair Credit Billing Act ( FCBA ) and Regulation Z by failing to conduct a reasonable investigation into a documented billing error. Under Regulation Z, 12 CFR 1026.13 ( a ) ( 3 ), a billing error includes charges for goods " not delivered to the consumer or the consumer 's designee as agreed. '' On XX/XX/year>, my account ( card ending in XXXX ) was charged {$310.00} by the merchant listed as " XXXX XXXX * XXXX XXXX XXXX CA XXXX '' I purchased a XXXX XXXX XXXX XXXX, but the seller committed mail fraud using a " fake tracking '' scheme. They shipped a XXXX XXXX decoy envelope to a different address in my zip code to generate a " Delivered '' scan. I disputed this charge under Case ID XXXX. I provided Citi with irrefutable, official written evidence : a statement from the XXXX XXXX XXXX XXXX ( Service Request # XXXX ). This federal document explicitly confirms the tracking number provided by the merchant was for a package weighing exactly XXXX oz and was delivered to a different name and address. On XX/XX/year>, Citi denied my dispute and reversed my temporary credit, stating the " documentation or facts provided do not support the billing error dispute claim. '' Citi clearly relied solely on the merchant 's automated tracking link and completely ignored the federal XXXX documentation I provided. By ignoring direct proof of mail fraud from the United States Postal Service, Citi failed its legal obligation to conduct a reasonable and thorough investigation.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I visited the PNC Bank branch at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX, to make a large cash deposit. While waiting in the lobby, I was approached by an employee named XXXX. I politely informed her that I preferred to wait for a teller, as I was depositing a significant amount of physical cash and wanted the security and accuracy of an in-person transaction. Instead of respecting my preference, XXXX glanced at the cash I was holding and responded in a loud, sarcastic, and condescending tone, stating : " The machine takes up to a XXXX dollars. '' I find this behavior unacceptable for XXXX main reasons : Lack of Discretion and Privacy : Making loud, sarcastic comments about a " XXXX dollars '' and drawing attention to a customer holding a large amount of cash in a public lobby shows a complete lack of situational awareness. It made me feel uncomfortable and unnecessarily compromised my sense of personal security. XXXX Customer Service : Customers have the right to choose teller services, especially for large cash deposits, to avoid potential ATM jams or miscounts. XXXX mocked for exercising this basic choice is highly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
We got the home in XXXX of XXXX. I had contacted the Mortgage company ( XXXX ) and let them know that my payment would be two weeks late. I was told, at first, that was ok. Then I had gotten a phone call from XXXX XXXX They told me that in fact I could not be late and that they were filing for Loss Mitigation. The girl told me to not make any payments because it would only pay the interest and not the main balance. I got the packet for the Loss Mitigation and filled it out and got it back in within just a day or two. XXXX XXXX who is head of the XXXX XXXX contacted me and told me it would be a couple months as the program takes awhile. 2 and a half months later the Government shut down happened. We heard nothing from Loss Mitigation with XXXX as it was closed down. Finally, after just nearly two more months later we were told they still had over 60 cases to get through but would get to us soon. Another two weeks later they contacted us and told us that since it had been over three months they could not help us! I told them it was not our fault it took over three months! We had no control over a government shut down or the fact that they were overwhelmed with a case load.Then XXXX XXXX contacted us ( Head of Loss Mitigation ) and offered us a payment plan of XXXX dollars a month and was suppossed to send us a contract to sign with that agreement. We never recieved anything. I called XXXX but kept getting an answering service. Then XXXX XXXX contacted me and said since I did not sign anything the offer of payment arrangment was no longer an option. I told her we never got the papers to sign and she said that was too bad. Then, on XXXX XXXX, XXXX I got two letters, one from XXXX and one from XXXX XXXX, giving us an opertunity to redo the Loss Mitigation. I called XXXX and asked for the packet to fill everything out for the program and was told " oh our computers just kicked those out. No these were signed notices offering to work with us. Now they are trying to foreclose. I have disputed. Please, How can people get away with doing all of this? I am also considered a XXXX, that information was never entered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: NC

Complaint narrative:
NPAS Solutions LLC is trying XXXX collect a debt I do not owe. XXXX XXXX XXXX XXXX ( XXXX, NC ) used deceptive tactics XXXX then tried XXXX bill me for additional {$4100.00} after a procedure was performed last year. They previously placed this debt with XXXX. I filed a complaint against them several months back & offered XXXX pay XXXX % of the debt even though I didnt owe it. They wouldnt accept the payment via a payment plan. XXXX summarize briefly what was in the previous complaint : I had a procedure done last XXXX, which was approved by my insurance. When I went in for the procedure I asked for a written estimate of my total out of pocket expenses. They would not provide this. They told me my total cost was {$1000.00} and if I paid the day of the procedure there was a XXXX % discount so the total was {$790.00}. They gave me a pad & asked me XXXX sign a bunch of disclosures electronically. I asked for copies of what I signed. They told me their printer was messed up XXXX they would e-mail me a copy of all docs signed. A month after the procedure they sent me a bill for {$4100.00}. I called their billing office XXXX ask questions. I told them I was told the amount I paid the day of the procedure was all I would owe. They said that was just an estimate. I told them {$790.00} XXXX then sending a bill for {$4100.00} was far from an estimate. The lady got rude XXXX said I owed the bill & needed XXXX pay it. I went back XXXX XXXX to speak XXXX someone in person. Conveniently, they told me their billing department was out of state & could only be contacted by phone. All they had on site were counselors XXXX set up payment plans. I asked for documentation on the bill. They printed an estimate with my electronic signature. XXXX assuming this was XXXX of the many electronic documents they had me sign but never provided copies for. Ive paid all of My bills on time for the past XXXX years. I take great pride at having impeccable credit. Its very sad that vultures like this are allowed XXXX do business in this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account ( CREDIT COLL ) that is currently being reported on my credit report. I do not acknowledge owing this debt, XXXX it is being reported by a XXXX-party collection agency. I am requesting that the company provide proper validation of the debt, including a copy of the original contract or any legal documentation that proves my obligation. The account is currently reported as derogatory, negatively affecting my XXXX XXXX XXXX my ability XXXX access credit. I dispute the validity of this account under the Fair Credit Reporting Act ( FCRA ) XXXX the Fair Debt Collection Practices Act ( FDCPA ). If the company can not provide valid documentation or proof of my obligation, I request that the account be deleted from my credit report immediately. I am asking that the company correct any inaccuracies XXXX ensure that all reporting XXXX credit bureaus is accurate, complete, XXXX in compliance with federal law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX Whom It XXXX Concern, I am writing regarding my Nelnet student loan account ( Account Number : XXXX ) XXXX formally dispute XXXX demand immediate correction of the allocation of my {$2500.00} payment made in 2025. At the time of this payment, my account reflected over {$10000.00} in accrued interest. I was repeatedly assured by Nelnet representatives that payments are applied to interest XXXX. Yet only {$730.00} of my {$2500.00} payment was applied XXXX interest, with the remainder allocated elsewhere. This is completely unacceptable, directly contrary XXXX your stated policy, XXXX has caused significant financial harm. As a result of this misallocation, I lost a {$2500.00} student loan interest deduction on my 2025 XXXX XXXX I had planned XXXX reinvest in my education. Nelnets error has disrupted my financial planning, caused avoidable frustration, XXXX demonstrates a serious failure in handling critical financial obligations. I am demanding the following immediately : A full, detailed breakdown of exactly how my {$2500.00} payment was allocated. A written explanation for why Nelnet ignored the interest-XXXX policy. Correction of the allocation XXXX updated 2025 interest reporting so I can claim my rightful deduction. XXXX that this kind of misallocation will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
missing XXXX dollars excessive charged XXXX my account charging account while having the balanced in acct XXXX waive fees. XXXX profiling refusal XXXX release funds after providing my personal XXXX acct info., threaten by employee XXXX be removed by XXXX for legally going XXXX bank XXXX obtain my funds. denied loans XXXX credit cards, missing funds /over draft fees that were applied by bank XXXX XXXX bank of America XXXX over draft fees previous account hacked illegal monitoring funds depleted. Regions bank/closed - stolen fund over drat fees XXXX XXXX XXXX XXXX funds over draft fees XXXX XXXX never had XXXX account with them so this is fraudulent

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX PM at Chase Bank I made a cash deposit through XXXX XXXX up ATM. I had about {$700.00} in my bag that I combined with additional money from the tips I made from the week prior without fully counting the total. I deposited the cash into the machine XXXX it had errored. I received a physical receipt stating that the deposit did not make it into my account XXXX XXXX contact the back via phone number provided. I then went immediately inside XXXX speak XXXX a XXXX. The XXXX asked for an estimation at that time he stated XXXX give a best guess XXXX I said about {$850.00}. The claim was made XXXX investigation was performed. I received a letter from the bank ( XX/XX/XXXX ) stating that the claim has been closed XXXX the credit was finalized for {$850.00}. After careful reconciliation, there is about {$300.00} unaccounted for at a total of about {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Today on XX/XX/year> i spoke with a female admin officer who told me a reinstatement letter was emailed, from a prior call on XX/XX/year>, that i also confirmed on a three-way call with my VA loan technician XXXX XXXX mortgage loan # XXXX extension : XXXX. I was given a conditional acceptance offer in the amount of XXXX dollars on XX/XX/XXXX and was denied my ability to pay. I was hung up on and told specifically that i " would be called back ''. Approximately 9 days later i called again and the offer was taken off the table for no valid reason. I was told specifically today by admin officer that i was sent physical mail that i never received and an email confirmation of a reinstatement letter that i never recieved from XX/XX/XXXX. Today i asked specifically for that reinstatement letter and was instantly produced, although, prior to asking for said letter, i was told that it was in fact emailed when the event never occured and my inbox shows no spam not regular inbox confirmation of the letter. I was told that i am the one who is responsible for not having received physical mail and/or an instant email so that i may stand in honor in commerce and satisfy the debt. I believe that Planet Home Lending has commited mortgage fraud and is in dishonor according to the Uniform Commercial Code. I have left a message today of confirmation of said facts with my VA loan technician. My name is XXXX XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please respond back as soon as possible regarding this matter thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2026, I discovered that my Cash App money was being used without my knowledge. I promptly ordered a new card XXXX initiated the dispute process. During the conversation with the representative, I was informed that not only was my card being used that day without my consent, but there were transactions that dated back XXXX XX/XX/XXXX. After acknowledging the unauthorized transactions XXXX providing him with a list of the XXXX that were not mine, he proceeded XXXX file a dispute for all the transactions that were not mine. I began receiving refunds for the transactions that I had reported on XXXX XXXX, after thoroughly analyzing all the transactions. However, I encountered a setback when I made a new claim because XXXX transactions that had been previously denied from the same merchant that had provided a refund were denied again. Undeterred, I filed another complaint, XXXX I recently received a final decision on XX/XX/2026. Unfortunately, I am unable XXXX reopen the case XXXX dispute the transactions any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I am filing this complaint against XXXX regarding repeated failure XXXX properly disburse property tax payments from my escrow account, despite sufficient funds being available. In XX/XX/XXXX, I forwarded XXXX supplemental property tax bills XXXX XXXX annual property tax bill XXXX XXXX via their secure messaging system for payment. There were sufficient funds in my XXXX account XXXX cover all tax obligations. Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX more than XXXX times XXXX spoke with at least XXXX representatives XXXX supervisors XXXX ensure the taxes were paid. On XX/XX/XXXX, I was informed that the bills had been paid XXXX that funds were removed from my escrow account. In early XX/XX/XXXX, I received notice from XXXX XXXX XXXX Collector that XXXX supplemental tax bill had NOT been paid XXXX had incurred a XXXX % penalty. Upon reviewing my escrow account, I discovered a tax refund posted on XX/XX/XXXX, in the same amount as the unpaid tax bill, with no explanation. Representatives were unable XXXX explain where the refund came from or why the tax payment was not made. On XX/XX/XXXX, I was again assured the taxes would be expedited via XXXX XXXX that XXXX would cover the penalty due XXXX their servicing error. Funds were again withdrawn from my escrow account, including the penalty amount. I again have been in contact with representatives from XX/XX/XXXX until today. With no resolution. As of today, XXXX XXXX confirms the taxes remain unpaid. XXXX has : Failed XXXX properly disburse escrow funds Provided inaccurate information regarding payment status Improperly handled escrow funds for approximately XXXX months Caused a XXXX % penalty due XXXX nonpayment Failed XXXX provide proof of payment Failed XXXX provide a clear accounting of escrow activity This has caused financial harm, stress, XXXX risk XXXX my property due XXXX tax delinquency. Despite repeated efforts XXXX resolve this directly with XXXX, I have been unable XXXX obtain clear answers or resolve the issue.

Company response to consumer: Closed with non-monetary relief