vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Carrington Mortgage obtained my loan last year. I submitted a loss mitigation application and called to confirm receipt and they said that they will not review as it was too close to the sale date. I am involved in active litigation. This was prior to Carrington obtaining my mortgage. Carrington Mortgage is not named in the lawsuit yet not once did they reach out to me in an attempt to assist me with my loan despite them knowing I was delinquent and despite knowing that I did NOT have an active litigation against them. When I spoke to them, after submitting my file, they confirmed this was the first time they had communicated with me and went as far as to say that they got my loan the DAY BEFORE. They had no issue speaking with me despite the litigation they saw after me updating all my information with them to ensure what they had was accurate. Since we had never spoken over the phone as they claimed, why did they not once ever reach out to me?? I would be willing to drop the active litigation that was against the prior servicers if Carrington Mortgage would be willing to assist me. I will not amend the compalint to include Carrington Mortgage if I could please get some help.However, they are not giving me the opportunity whatsoever. I do believe that my race, ethnicity, language, sex, and nation origin have something to do with this discrimination. There are no attorneys involved in my active litigation, which has been ongoing since XXXX. There is no reason for them not to have reached out to me as I represent myself. There is no reason whatsoever for the lack of communication and lack of assistance on Carrington Mortgages part. I am requesting the postponement of my sale date so all parties can come to an agreement and so I do not have to lose my home. I want nothing more than to reach an agreement with Carrington Mortgage so I can dismiss this active lawsuit and get the help that I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I contacted Everbank to close my checking account on XX/XX/XXXX. I asked the representative if they could electronically transfer the remaining balance to another institution on my behalf. They said they would do that. However, approximately 2 weeks later I received a cashiers check in the mail instead. The check was made out to my address, rather than my name. Which made it unuseable. I contacted the bank a couple more times to have a new check issued. I was informed that I would have to return the original check before they would issue a new one. Which I did. The check was mailed to their Deposit Operations department ( as instructed ). Usps tracking confirmed it was delivered on XX/XX/XXXX. I waited a couple of weeks before calling to confirm the delivery, and find out when the new check will be mailed. My last call to them was on XX/XX/XXXX. 
Every call I have made to Everbank to fix this check issue has gone the EXACT same way. I explain the situation to a representative, they put me on hold, they come back and say they are having trouble with their computer system and someone will call me back. They never do. I warned them 10 days ago if I don't get a response within 7 days, I will be forced to report them. Needless to say, I once again heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied to refinance my co-op mortgage with TD Bank and was charged {$680.00} for an appraisal and {$400.00} for a project financial review. 

After these fees were collected and the appraisal completed, TD determined that the building was ineligible for lending due primarily to a 37.5 % owner-occupancy ratio. This information is contained in the co-op documentation obtained from the board and is a basic eligibility requirement that can be reviewed prior to ordering third-party services. 

Because this documentation was required and ultimately used to determine ineligibility, the appraisal was unnecessary to identify the fatal issue. The appraisal was ordered and performed before building eligibility had been confirmed, resulting in {$680.00} in avoidable cost for a loan that was never approvable from the outset. 

I requested reimbursement directly from TD Bank and it was declined. This complaint concerns improper fee sequencing and avoidable charges. I am requesting reimbursement of the {$680.00} appraisal fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
I received a letter from Jefferson Capital stating I owe a debt of {$2800.00} from an old XXXX  account. I have never signed any agreements or contracts with Jefferson Capital. Also I never had a XXXX  account in my life, so this alleged debt must be because of fraud. I tried contacting XXXX, but they said they don't have any knowledge or information of this account. I didn't know what else I could do to get this issue resolved so I came here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I was charged multiple transactions through my Cash App card related to services associated with Supercool.com and related platforms. The charges were processed in rapid succession and broken into multiple smaller amounts. 

Total charged : {$250.00} Breakdown of charges : XXXX {$97.00} ( XXXX XXXX ) XXXX {$20.00} ( XXXX XXXX  ) XXXX {$20.00} ( XXXX XXXX  ) XXXX {$20.00} ( XXXX XXXX  ) XXXX {$20.00} ( XXXX XXXX  ) XXXX {$20.00} ( XXXX XXXX  ) XXXX {$20.00} ( XXXX XXXX  ) XXXX {$8.00} ( subscription ) XXXX {$7.00} ( subscription ) XXXX XXXX {$19.00} ( subscription ) These charges were either pending or processed within a short time frame and resulted in my account being overdrawn. 

I attempted to use XXXX to create a business video. The service did not deliver a usable product and did not match what was advertised. The output was unusable and provided no value. 

After discovering the charges, I immediately : Locked my Cash App card Requested a replacement card Reported the transactions to Cash App as unauthorized/disputed Cancelled all available subscriptions Contacted the company requesting a full refund I also discovered that the services and support channels referenced were confusing and not clearly affiliated, making it difficult to identify the responsible company. 

The company has not provided a refund or satisfactory resolution. 

I am requesting : A full refund of all charges totaling {$250.00} Confirmation that all subscriptions and billing have been permanently cancelled Investigation into the billing practices due to multiple rapid transactions and unclear disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I leased out a XXXX XXXX XXXX XXXX XXXX. The agreed price was XXXX after taxes I put XXXX down. The car has XXXX miles Im now looking over my paperwork and the loan total is XXXX this document was never presented during the sale and the signature on it is typed with a font it looks nothing like my handwriting I do not know what to do PLEASE HELP I can notttt afford this! I tried to plead with the salesman to give me an extra day to think about this but he insured it was now or never saying it would be sold. I really needed a car because the one I bought literally in XXXX for {$10000.00} is done for I need this agreement reversed I never signed to pay {$43000.00} for a used car I never would not for this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
CEASE AND DESIST LETTER FDCPA ( 15 U.S.C. 1692 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number XXXX Cease and Desist Communication To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., including 1692c ( c ), you are hereby notified to CEASE AND DESIST from any and all communication with me regarding the above-referenced alleged debt.

You are instructed to immediately stop : Telephone calls to my home, cell phone, or workplace E
mails, text messages, or electronic communications Letters or any other direct contact Contact with third parties regarding this alleged debt Under 15 U.S.C. 1692c ( c ), once you receive this notice, you may only contact me to : Advise that further collection efforts are being terminated ; or Notify me of specific legal remedies you intend to pursue.

Be advised that any further communication outside of these limited exceptions may constitute a violation of the FDCPA and could result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my State Attorney General, and potential civil action.

This letter is not an acknowledgment of liability for the alleged debt and does not constitute a refusal to pay. 

You are expected to comply fully upon receipt of this notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: NY

Complaint narrative:
My federal student loan servicer, MOHELA, has failed to properly service my account and accurately process my loan forgiveness/PSLF status. I submitted my forgiveness application and supporting documentation on or about [ month/year ]. Since that time, MOHELA has provided inaccurate, incomplete, and conflicting information regarding my qualifying payment count, loan balance, and forgiveness status. 

Despite my repeated attempts to obtain clarification and resolution, MOHELA has not timely processed my application or corrected my account. My loans continue to show an incorrect balance, and billing and/or interest accrual has continued while my forgiveness review remains pending. MOHELA representatives have been unable to provide consistent or reliable information, and no meaningful resolution has been offered. 

As a result of MOHELAs servicing failures, I have experienced financial harm, ongoing stress, and uncertainty regarding my federal student loan obligations. MOHELAs conduct reflects improper servicing practices and failure to comply with federal student loan servicing requirements.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
someone opened an account with XXXX XXXX XXXX bank opened XX/XX/XXXX unpaid {$3500.00}, {$5000.00}, {$55.00} XXXX XXXX  opened XX/XX/XXXX principal loss {$240.00}. XXXX XXXX  XX/XX/XXXX principle loss {$210.00}, {$3500.00}, {$730.00} XXXX XXXX XXXX XXXX check for {$160.00}, {$3500.00}, XXXX, {$120.00}, {$3500.00}, {$5000.00}, XXXX bank {$110.00}, XXXX, {$1700.00}, XXXX XXXX {$87.00}, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I never borrowed any money from no one, no refinancing or anything. I signed up for a service with XXXX  and I never once used the service. They have put a debt on me that is false. Theyre trying to make me pay for a service that I never used to use they website and book hotels. Also they never said my credit would be ran. This is surprising

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am disputing inaccurate credit reporting by Bank of America, failed to update balances to {$0.00} after payment, reported late payments after account closure, and illegally re-aged charged-off accounts. This violates the Fair Credit Reporting Act and continues to harm my credit.

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 2026-02-09 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

Complaint narrative:
On XX/XX/year>, I sent USD XXXX through PayPal to an unintended recipient. The recipients mobile number/email was suggested by PayPals user interface during the send process. As a result, the payment was sent to the wrong recipient.

The transaction was marked by PayPal as completed, which indicates that the funds were successfully credited to a PayPal account.

Immediately after discovering the error, I contacted PayPal and filed a dispute requesting assistance in recovering the misdirected funds. The recipient was notified through PayPals case process but denied receiving the payment, despite PayPal confirming that the transaction was completed.

PayPal closed the case in the recipients favor, stating that the issue did not qualify as a billing dispute. No refund was issued, and PayPal declined to provide further assistance or transparency regarding the recipients response, even though the transaction status confirms successful delivery.

I am submitting this complaint to request regulatory review of PayPals handling of mistaken payments, including the risks created by PayPals recipient suggestion feature, the lack of consumer protection when a completed transfer is sent to the wrong recipient, and the inability to recover funds despite confirmation that the payment was delivered to a PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am submitting this correspondence as my second formal dispute regarding multiple inaccuracies on my Equifax credit report. Despite prior written notifications, my report continues to contain errors that materially misrepresent both my personal information and account history. These errors include inaccurate addresses, misreported late-open accounts, late-closed accounts, and a charged-off account. The continued presence of these inaccuracies demonstrates a failure to follow reasonable procedures to ensure maximum possible accuracy, in direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, 623 ( a ) ( 2 ), 605 ( a ), and 609 ). These ongoing errors have caused measurable harm to my creditworthiness, misrepresented my financial responsibility, and created ongoing challenges in managing my financial life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I withdrew {$1000.00} from Marcus by Goldman Sachs savings account into my external account with XXXX XXXX XXXX XXXX. Marcus by Goldman Sachs flagged the withdrawal as fraud and took the money back from XXXX XXXX XXXX XXXX ( proof is attached that the money was returned to Marcus ). Marcus received the money and did not deposit it back into my account. The money is not in my Marcus savings account and they are holding it hostage. They also closed my account with money still in there, the amount that is left is around XXXX dollars, AFTER they took the XXXX. So they took XXXX total. They refuse to give the money back and are denying my disputes. Ive called multiple times over the course of months and they are not being cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I purchased a vehicle through Ally Financial back in XXXX. I refinanced the vehicle through my bank and my bank requested for the payoff amount, of which Ally Financial gave my bank. My bank paid them, Ally released the title and a couple years later, I sold the vehicle, bought a new one. Ally is not only stating that I owe them, but they are also stating that my 1st delinquency date ( s ) is XXXX, which is mathematically impossible, considering that my loan with Ally ceased as of XXXX. My credit report also shows this information. Ally is constantly reporting what appears to be new delinquent payments on my report, for a debt that was paid by my bank in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
ACE Cash Express contacted my place of employment multiple times and disclosed that I took out a loan and had not paid it back. This information was shared directly with my employer without my authorization. I have documentation confirming what was communicated and the dates of the calls. 

I acknowledge that I have an active loan and am willing to resolve it, but contacting my workplace and disclosing my debt is not permitted. I am requesting that ACE Cash Express immediately stop contacting my employer and confirm this in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Company : Metro Collection Services , Inc . 
Address : XXXX XXXX XXXX XXXX, [ City, State, ZIP ] Account / Reference : Alleged debt from XXXX XXXX XXXX XXXX XXXX : Debt collection / Dispute Narrative / Description of Complaint : I am disputing in full the alleged debt claimed by XXXX XXXX XXXX and referred to Metro Collection Services. The debt is invalid. 

On or around XX/XX/year>, XXXX XXXX XXXX installed a shower glass system in my home. The glass was defectively installed, does not meet building codes, leaks water, and has caused property damage. Despite repeated requests, XXXX XXXX has refused to honor their warranty unless I pay an additional {$450.00}, an amount I do not owe, and sent this account to collections instead. To replace the glass with another company would cost {$1400.00}. I would like to request a full refund. 

The installation has caused ongoing water leakage and damage for over eight months. I have attempted multiple times to resolve this directly with XXXX XXXX without success. Collection efforts for this disputed debt are unlawful under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and constitute misrepresentation of a debt. 

Action Requested / Fair Resolution : Immediate cessation of all collection activity on this disputed debt. 

Removal of the alleged debt from all credit reporting agencies. 

Written confirmation that the account has been corrected and that Metro Collection Services will no longer attempt to collect this disputed debt. 

XXXX XXXX XXXX must refund me in full for the faulty installation, or otherwise reduce the collection balance to reflect the defective work. XXXX must provide a full explanation of their warranty and cover costs I have incurred due to their defective installation. 

This complaint is filed under reservation of all rights and remedies under federal and state law, including claims for statutory damages, actual damages, and attorneys fees if further enforcement is required. 

Summary : This debt is invalid, caused by defective service and non-compliance with warranty obligations. I demand full removal of the debt, cessation of collections, and full remediation or refund from XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation