vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a government-subsidized mortgage serviced by Mr. Cooper. I entered a trial modification and contacted Mr. Cooper multiple times in XX/XX/year> to confirm my payment obligations. During these calls, I was explicitly told by representatives that no payment was due until XX/XX/year>. I relied on this information. 

I later learned that the trial modification required consecutive monthly payments, which was not disclosed to me verbally despite my direct inquiries. Because I followed the instructions I was given, my trial was marked as failed, and I was verbally told I must pay approximately {$8000.00} immediately to retain my subsidy and avoid foreclosure. Then I received a letter on XX/XX/XXXX that stated after receiving the oer, you indicated your inability to aord the new monthly mortgage payment. Accordingly, the oer is being withdrawn. This is entirely incorrect. I never said that and I absolutely can afford the new monthly payment proposed in the trail period as evidenced by XXXX payments already made. 

I disputed this outcome and explained that I relied on incorrect information provided by Mr. Cooper representatives. I was told that I should have relied only on the fine print, despite having called specifically to clarify my obligations. This is a servicing error and misrepresentation during loss mitigation. 

After escalation, Mr. Cooper required me to reapply for a trial modification. However, I was not provided written confirmation that foreclosure activity is on hold, confirmation that my application is complete, or clear instructions regarding whether payments are required during review. 

I am requesting CFPB assistance to ensure proper review of this servicing error, protection of my government subsidy, clear written communication, and a foreclosure hold while loss mitigation is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OR

Complaint narrative:
I contacted EdFinancial to request an additional forbearance due to significant financial hardship. During this same communication, I explicitly requested an official payoff letter for my account.

Despite my proactive attempts to manage my student loans, the following has occurred : Failure to Respond : I have received no response regarding the status of my forbearance request, nor have I received the requested payoff letter.

Barriers to Communication : I have attempted to follow up via phone on multiple occasions. During these attempts, I was placed on hold for over 4 hours and was never able to speak with a representative who could provide a resolution. 

Contradictory Communication : While my requests for assistance have been ignored, the company sent an automated email threatening to move my account into default status. 

I am attempting to prevent a default and stay in compliance with my repayment obligations, but the servicer is making it impossible to do so by failing to process my requests or provide accessible customer service. I am seeking immediate intervention to pause my payments via forbearance while I stabilize my financial situation. 

Key Actions Taken : By Me : Requested forbearance and payoff letter. 

By Me : Attempted follow-up calls with excessive wait times.

By Company : Failed to provide requested documents and issued a notice of intent to default without addressing the pending hardship request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was paying my credit card bill from my phone and I miss typed a decimal and instead of sending {$97.00} to the credit card company I accidentally sent over {$9700.00}. This shouldnt have been accepted anyway since my balance was only {$97.00} but it was. I called and I was told that it would take 7 to 10 days for that money to be ACH back to the originating bank. Ive called back three times and Ive been told twice that it hadnt been 7 to 10 business days because the holidays and my most recent call, they said nothing had been done other than the requested been submitted and then it would take another 3 to 5 days to escalate it. Nothing I have been told his come to fruition so I am frustrated trying to get my money returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: OH

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX billing and referral practices related to medical debt. 

I was seen for services on XX/XX/XXXX, however the XXXX billing statement listed the date of service as XX/XX/XXXX, which did not align with my records. I received only XXXX billing statement dated XX/XX/XXXX, and the account was referred to a third party collection agency shortly thereafter, without multiple statements or a reasonable opportunity to resolve directly with XXXX. 

When I contacted XXXX, I was told it is their practice to send XXXX to XXXX paper invoices prior to sending accounts to collections. Given the timing of the statement and referral, that representation did not appear accurate in my case. 

I paid the balance on XX/XX/XXXX to resolve the matter. I am not disputing the underlying charge. My concern is XXXX billing accuracy, lack of notice, and premature referral to collections, which created unnecessary escalation for a small medical balance. 

I am requesting review of XXXX billing and collection referral practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: AR

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 explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: eMortgage Funding LLC
State: OR

Complaint narrative:
I have been getting calls relentlessly from eMortgage Funding, LLC located in XXXX, MI. I have let them know that I am on the " Do Not Call Registry '' and I have asked REPEATEDLY to be taken off their call list. Not only do they keep calling, but I can't even block their number, because they use a new, local number every time. As a veteran, I HATE being preyed upon by mortgage companies and eMortgage is the WORST! The last rep I spoke with was INCREDIBLY rude when I explained that I didn't want to be called by eMortgage any more. He was FURIOUS that I " wasted his time. '' Horrible, rude, company that makes illegal solicitation calls. Please make them stop! 
FYI. The XXXX has been a fantastic lender with AWESOME customer service.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
Original amount is stated at {$500.00}. 

The amount to be paid now is {$800.00} The notes on my credit report states that consumer requested to close account. This is a result of identity theft because I did not open nor close this account. 

It looks as if the company has sold some of my personal information from the identity theft I reached out to a number for them I found online to let them know that this is not my account and they still wanted me to pay.

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 2026-01-02 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: MD

Complaint narrative:
I am writing to formally complain about the repeated failure of the Higher Education Loan Authority of the State of Missouri ( MOHELA ) to provide me with the proper documentation for my student loan payment, which is required by the State of Maryland for the Student Loan Debt Relief Tax Credit. 

On XX/XX/XXXX, I was informed by the State of Maryland that I would be receiving a Student Loan Debt Relief Tax Credit for the XXXX tax year in the amount of {$1600.00}. As instructed, I made a {$1600.00} payment to my MOHELA account on XX/XX/XXXX. In late XX/XX/XXXX, I requested written proof of my {$1600.00} payment. On XX/XX/XXXX, the letter from MOHELA confirmed receipt but did not include my name, address, and account number, as required by the State of Maryland. I notified MOHELA that the documentation was insufficient and requested a corrected letter. 

On XX/XX/XXXX, after lengthy phone calls, I was again promised the correct documentation. However, the subsequent letter only showed a payment of {$800.00} and omitted the remaining {$790.00}. Additionally, I received misinformation via email regarding a supposed cancellation payment, which is both irrelevant and incorrect. 

This ongoing lack of proper documentation and the inaccurate information provided have caused unnecessary frustration and jeopardized my eligibility for the tax credit. I urgently request that MOHELA provide an official letter, on THEIR letterhead, listing my full name, address, account number, and a breakdown clearly confirming the payments ( {$800.00} and {$790.00} ), totaling {$1600.00}, made on XX/XX/XXXX ; similar to the same letter they provided to me on XX/XX/XXXX. 

I respectfully request your office 's assistance in resolving this matter and in ensuring that MOHELA provides the correct documentation as required by the State of Maryland guidelines. I am available to provide any additional information or documentation needed to support my complaint. Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/year>, I opened a XXXX card through Capital One. A couple days later, it was locked and I was no longer able to use the card. I called customer support who asked me to send in documents to verify my identity and income. I submitted these documents and did not hear back for 3 weeks. I called back and they told me my account was permanently closed due to behavior inconsistent with typical customer behavior. They provided no information why the account was closed. They charged me the {$390.00} annual fee and refused to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: FL

Complaint narrative:
On XX/XX/XXXX PayPal closed my account without any explanation and I had over {$1000.00} in my PayPal account. I tried contacting them and they didn't give any reason. They're holding my money for 120 days. I've been with them since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Lendmark Financial Services
State: KY

Complaint narrative:
I purchased a used older vehicle from XXXX XXXX XXXX in XXXX, XXXX Financing was through Lendmark Financial Services XXXX XXXX , KY . The cost of the vehicle was just over XXXX dollars. Lendmark Financial Services charged an origination fee that was more than the cost or worth of the vehicle amking the cost of financing more than XXXX dollars. This fee is excessive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name sofi bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fm/ guaranteed rate XXXX XXXX bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
am submitting this complaint regarding an account opened with Synchrony Bank without my knowledge, authorization, or consent. I did not apply for this account, did not authorize anyone to apply on my behalf, and did not receive any benefit from it. This account is the result of fraud and/or identity theft. 

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX Account Information : Creditor : Synchrony Bank Account Number : Ending in XXXX Date Opened : XXXX Synchrony Bank failed to properly verify the identity of the applicant at the time this account was opened and/or failed to correct inaccurate information after being placed on notice. As a result, inaccurate and damaging information has been associated with my consumer credit file. 

This account is not valid under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and should never have been attributed to me. Any reporting of this account to consumer reporting agencies is inaccurate and misleading. 

I am requesting that Synchrony Bank immediately take the following corrective actions : Conduct a full and lawful investigation into this unauthorized account Permanently close the account if it remains open Remove all balances, interest, fees, and charges associated with the account Cease all collection activity immediately Delete all reporting related to this account from XXXX XXXX XXXX XXXX Provide written confirmation that I have no liability for this account Please be advised that continued reporting of an account that was opened fraudulently constitutes willful noncompliance with the Fair Credit Reporting Act and may subject Synchrony Bank to regulatory enforcement and civil liability. 

I request written confirmation of the investigation results and corrective actions taken within 30 days, as required by federal law. 

Sincerely, XXXX XXXX

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Back in XX/XX/year>, I had received an email from PayPal about my account being limited and eventually being closed. I had received funds from multiple sources that I knew that was coming to me. I had reached out to PayPal to see why my account was being closed. They just kept saying to refer to their policy but would not give me a specific reason why. I am still disappointed that this occurred as I had this account for a very long time. I would like to get my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
In XX/XX/2025, XXXX separate card transactions were processed on my credit card for online XXXX XXXX XXXXXXXX. The transactions were in the amounts of {$1000.00} ( XX/XX/2025 ), {$300.00} ( XX/XX/2025 ), and {$150.00} ( XX/XX/2025 ). 
I disputed these charges with my card issuer after identifying issues related to authorization and/or transaction validity. In support of my dispute, I provided three separate invoices/statements issued by the merchant, each showing the transaction date, amount, payment method, and confirmation that no physical goods were exchanged. 
Despite submitting this documentation, the card issuer denied the dispute after a brief investigation and stated that the evidence was insufficient, without explaining why merchant-provided invoices confirming the transactions were rejected or what additional documentation was required. 
The investigation appeared to be completed quickly and without meaningful consideration of the documents I provided. I was not given a clear rationale for the denial, nor an opportunity to address any alleged deficiencies in the evidence. 
As a result, I am being held responsible for charges that were formally disputed and supported with documentation, without a transparent or reasonable explanation from the card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM 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 2026-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: TX

Complaint narrative:
b'Compr una tarjeta nespend visa starter  en walgreens pero no la pude activar ya que perd el plstico fsico antes de abrirla \nEl monto recargado es de $110 \nEl da 01/01/2026 a las 8:25 PM'

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Received XXXX debit card in mail with activation code. I called the number in the mailing to question it and was met with requests for additional personal information in order to assist me. First they requested a Cash App ID. When I insisted Indidnt have one, they said it was on the front of the card in the mailing. I gave them that, which includes my name! Then they said they needed my phone number, I asked why and they insisted they couldnt investigate without it. I gave them my number and they asked if I had a different number. I dont. I have had the same phone number for 30+ years. Then they said they needed to transfer my call, but needed my email in order to transfer me to someone who could help! At that point I felt it was ridiculous the amount of my identifying information was being reqired. I refused and they said they couldnt do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Union Home Mortgage Corp
State: NJ

Complaint narrative:
I am currently in a financial hardship forbearance with Union Home Mortgage that began in XXXX and is scheduled to end in XXXX. My financial hardship is ongoing and my current monthly mortgage payment of {$3300.00} is not sustainable. 

I have requested a forbearance and I am on it now. I am asking them to review my mortgage for loss mitigation options including loan modification. Union Home Mortgage representatives are telling me that I must exit forbearance before they will allow me to apply for modification, which places me at serious risk of delinquency and financial harm. 

I am formally requesting immediate loss mitigation review and forbearance extension while my hardship continues, without being forced into default. I am also requesting clear written communication of my options and protections. 

I am seeking the following resolution : Extension of my current forbearance, Immediate loss mitigation review including loan modification, Written confirmation of all decisions and next steps.

Company response to consumer: Closed with explanation