vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
COMPLAINT AGAINST MORTGAGE SERVICER, MR COOPER ( NOW POWERED BY XXXX XXXX ) FOR DECEPTIVE SERVICING PRACTICES, BILLING ERRORS AND PMI VIOLATIONS OF HPA ( Homeowners Protection Act of XXXX ) 12 U.S.C. 49014910.

Under 12 U.S.C. 4902 ( b ), Private Mortgage Insurance ( PMI ) must automatically terminate when the principal balance reaches XXXX  % of the original value of the property. Despite meeting this statutory threshold, requesting that PMI be terminated, my servicer has continued to charge PMI for several months. 

The servicer, Mr Cooper ( now Powered by XXXX XXXX ) also required me to pay for a new appraisal and has improperly relied on a current or perceived value to deny PMI removal. The Homeowners Protection Act clearly requires termination to be based on the original value, not a subsequent appraisal or arbitrary assessment. 

I purchased my home XXXX XX/XX/XXXX for {$390000.00}. I have remained current on all my mortgage and escrow payments and have made substantial payments to lower the loan principal. Ive requested that PMI be terminated because my mortgage loan principal balance is below XXXX % and Ive met all the requirements to cancel PMI under provisions of the Act. 

As of today XX/XX/XXXX my current principal balance is below $ XXXX, placing my loan-to-value ratio at approximately XXXX % based on the original loan and value of the property. 

Additionally, when the servicer acquired my mortgage XX/XX/XXXX, PMI had been paid to my previous loan servicer for XXXX and Mr Cooper charged my escrow XXXX times for PMI the following month ( XXXX XX/XX/XXXX {$380.00} ), resulting in duplicate and excessive withdrawals. These charges were not authorized, not adequately explained or corrected, further demonstrating Mr Coopers improper billing practices. 

I am requesting regulatory review of mortgage servicer, Mr Cooper now powered by XXXX XXXX and correction of all servicing errors : XXXX ) Immediate removal of PMI in compliance with federal law. 
XXXX ) A full refund of all PMI premiums charged after the statutory termination date ( XXXX XX/XX/XXXX my mortgage principal balance was below XXXX % = {$310000.00} ). 
XXXX ) Refund and correction of all duplicate or erroneous charges ( XX/XX/XXXX duplicate PMI charges XXXX, an overage of {$280.00}, refund for the unnecessary assessment fee {$150.00} ). 
XXXX ) Written confirmation that my loan is now fully compliant with the Homeowners Protection Act. 

I am requesting CFPB assistance to ensure compliance, restitution, and corrective action. I have original records and additional documentation available to substantiate all facts stated in this complaint and will provide them upon request. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
I dont know who this company is and I never received any paperwork. I never had an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
Since XXXX yesterday, the website VIA web browser & application has been sending error messages. So theres absolutely NO WAY to log in to do a balance check, or unlock your card to use your funds. So Ive been unable to use my card at all, since yesterday cause my cards locked and I cant unlock it in the application because its not working. 

Also, it charges you a dollar just for an inquiry of your balance via phone. As per google its been having these same problems for other users since the beginning of the month

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am disputing a debt being collected by LVNV FUNDING LLC. I have requested validation and/or believe this debt is inaccurate. The company has continued reporting/attempting to collect without providing proper documentation as required under the FDCPA and FCRA. I am requesting full validation and correction or removal of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX made a payment of XX/XX/XXXXXXXX from its account at XXXX Bank to the account of XXXX XXXX XXXXXX/XX/XXXXXXXX. XXXX, which is opened at XXXX ( XXXX ). JP Morgan Chase Bank was the intermediary bank in this chain. On XX/XX/year>, XXXX Bank was appointed in accordance with Government Order XXXX. XXXX. Given this, my payment should have been blocked by the intermediary bank in accordance with US sanctions. In order to unlock the payment, I need to apply for a special license from XXXX. However, JP Morgan Chase has not yet blocked the payment or informed the sending bank about the freezing measures. As a result, I am unable to apply for the license required to unlock my funds, as I need to provide certain information, including the date when the payment was blocked. Otherwise, XXXX may not find the record of the blocked payment. JP Morgan Chase has stopped communicating with XXXX Bank, does not send messages about blocking payments and does not respond to requests. We also contacted the XXXX XXXX XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX ), came the answer that the payment is not blocked. Thus, I can not apply to XXXX for a license that isnecessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: Conduent Incorporated
State: MI

Complaint narrative:
Way 2 Go card app and website down for XXXX  days at least. 

Can not log into app and website either. Says server is down. No way to access funds that were deposited. Call and no person to speak to as to when server will be back up. 

Messages attached. Been this way for XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/17 account fraud, somebody online transfer money {$4900.00} from my HELOC account from XXXX, i went td bank next day morning told td bank this is not me, i never use this amount, they called morgage department from branch, they answered will take care of this problem with in XXXX week, then after XXXX week i received letter from td bank saying this issue was resolved and the money is back to my account, i don't need pay anything include interest, but until now almost XXXX month already, they say still investigation, and i still have balance and interest on my account, i went td bank more than XXXX times and the employee in branch help me call to morgage department every time, they always say same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo let someone open a checking account in my name launder out {$25000.00} leaving {$35000.00} in the account when I found out about it. I been trying to get XXXX and I am being denied this because they think I have money and Im the fraudulent one. While they leave this information on my profile

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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email at home indicating that a withdrawal had been rejected by the bank. I then logged into my online banking and discovered that funds had been withdrawn from my account. I immediately froze my bank account and went to the bank. Upon arriving at the bank, a bank employee informed me that my bank account had been compromised and {$7500.00} had been withdrawn from my checking account. I immediately filed a financial fraud report with the bank and reported the incident to the police.

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 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Personal information incorrect
Company: V and H Portfolio
State: TX

Complaint narrative:
Thank you for the response from Vance and Huffman LLC ; however, their statement is inaccurate and does not resolve my complaint. 

The company claims they provided access to the information via a consumer portal. This is not what I requested, nor does it meet the legal standard for debt validation. 

On XX/XX/year>, I spoke with their representative by phone and explicitly requested that they send me documentation by email proving that this alleged debt belongs to me. I did not request a consumer portal login. I specifically requested written validation, including supporting documents such as a signed contract, account statements, or other verifiable proof establishing that I am legally responsible for this debt. Which I still never received. 

Providing access to a portal that merely lists a creditor name, account balance, and amount owed does not constitute validation under the Fair Debt Collection Practices Act ( FDCPA ). A summary screen or internal account record is not proof that the debt is valid, accurate, or legally enforceable. It is simply a restatement of their claim. 

To date, Hoffman LLC has not provided any of the following : A copy of any signed agreement showing I agreed to this debt Account statements from the original creditor Documentation showing how the balance was calculated Proof of assignment or transfer of the debt to Hoffman LLC Any evidence connecting me personally to this alleged account Without such documentation, they have failed to properly validate the debt as required by law. 

I maintain that their response does not address my original request and does not satisfy their legal obligation to provide debt validation. I again request that they provide written validation sent directly to me via email or mail, as originally requested. 

Until proper validation is provided, I dispute this debt in full and request that all collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mobiloans, LLC
State: OH

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXXXXX XXXXXXXX XXXX with receipt displaying my signature. If not, please delete account XXXXXXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or i will have to take legal action

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Company : XXXX I am disputing an unauthorized XXXX  transaction that I did not authorize or approve. I promptly notified XXXX upon discovering the fraudulent activity and fully cooperated with their investigation. 

The disputed transaction occurred on my XXXX account without my knowledge or consent. I did not initiate, approve, or benefit from the payment. 

XXXX  denied my dispute without providing evidence that the transaction was authorized by me. I then sent XXXX  a formal written dispute letter on XX/XX/year>, followed by a second notice on XX/XX/year>, giving XXXX additional time to resolve the matter. XXXX failed to provide a substantive resolution within the stated deadlines. 

Despite timely notice and repeated written requests, XXXX has not produced documentation or evidence demonstrating that I authorized the transaction, nor has it provided a legally sufficient explanation for denying the refund. 

XXXX handling of this matter appears inconsistent with consumer protection obligations governing unauthorized electronic fund transfers. As a result, I have suffered financial loss and unnecessary hardship. 

I am requesting regulatory assistance to require XXXX to properly investigate this unauthorized transaction and reverse the disputed amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My information was used unknowingly for XXXX & XXXX services

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated
State: PA

Complaint narrative:
I am writing to formally complain about my inability to access my MyWay2Go account for the past XXXX days. 

During this time, I have been unable to log in to the website or mobile app to view my balance or manage my account. I have also tried calling customer service multiple times and have been placed on hold for hours each time, without ever speaking to a representative or receiving any assistance. 

These ongoing issues have prevented me from accessing my child support funds, which I depend on for essential expenses. This situation has caused XXXX XXXX XXXX XXXX XXXX. I am extremely frustrated that, despite repeated attempts, no one has helped me resolve this problem. 

I am requesting immediate assistance to restore access to my account and ensure that my card and online services are working properly. Please investigate this matter as soon as possible and contact me with a resolution and timeline. 
I also request written confirmation that this complaint has been received and is being addressed. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am disputing an account being reported and collected by Portfolio Recovery Associates. This account appears on my credit report as a collection with a date opened of XX/XX/year>. I have not received proper written notice of this debt as required under the Fair Debt Collection Practices Act. 

The company is contacting me by telephone regarding an alleged old debt but has not provided validation or documentation proving I owe this amount. The credit reporting also appears incomplete and potentially inaccurate, including unclear responsibility designation and missing delinquency details. 

I am formally disputing this debt and requesting full validation, including documentation of the original creditor, complete payment history, proof of assignment, and the date of first delinquency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
XXXX  is reporting a {$640.00} medical debt from XXXX XXXX XXXX XXXX XXXX The original creditor ( XXXX ) confirmed in writing they have no record of this debt. On XX/XX/year>, the collector ( CMC ) emailed me admitting they can not even 'locate ' my account without me providing them more data, yet they 'Verified " this debt to Experian onXXXX ]. This is a willful violation of the FCRA and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
On XX/XX/XXXX, I requested a change to my payment due date to the XXXX of the month. MOHELA has informed me that because this request occurred within XXXX days of my XXXX payment, the month of XXXX is being marked as ineligible for XXXX XXXX XXXX XXXX ( XXXX  ). 

During this period, I remained continuously employed in qualifying public service and enrolled in a qualifying repayment plan. I did not request a forbearance or intend to forgo a qualifying XXXX payment. Any administrative forbearance or no payment due status applied to my account was a result of MOHELAs processing of the due-date change. 

I am requesting that MOHELA correct my repayment status and credit XXXX as a qualifying XXXX month, as the loss of credit resulted from a servicer-applied administrative adjustment rather than a borrower action that should disqualify XXXX eligibility.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was at Bank of America opening a personal checking account for my son. I was solicited by XXXX of their employees to open a business checking account with a {$750.00} sign up bonus if I deposited {$20000.00} into a new checking account. I followed the directions from the bank representative and deposited XXXX into the account and maintained that balance for XXXX  months as she explained. I never received the sign up bonus. 

After the XXXX  months, I called Bank of America and they noted that I needed to have transferred the money from a different account ( not at Bank of America ). 

This was never disclosed to me during account sign up. I was just told that I needed to deposit {$20000.00} into the account ( which I did ). I confirmed with the banker and the teller that I was making transactions for the sign up bonus and she confirmed I was doing it correctly. 

I filed multiple appeals but still did not receive my sign up bonus. I have had {$20000.00} sitting in a checking account with no interest when I could have been getting interest on my balance.

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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I have submitted four prior complaints to the CFPB regarding SoFi Banks failure to properly process a refund from my closed account ( XXXX XXXX. XXXX ). 
Eventually, SoFi Bank sent me a check for XXXX XXXXon XX/XX/XXXX, although no prior notice was provided. 
Thank you for sending the check. However, as I have stated multiple times, the balance of my closed bank account was approximately {$3200.00}. 

As a result, the refund appears to be short by approximately {$200.00}. 
Since my account was closed almost one year ago, it is difficult for me to independently verify the exact balance. 

Please confirm the actual balance and issue the remaining refund accordingly. 
Additionally, I moved to XXXX from XXXX XXXX on XX/XX/XXXX. 

Please use my new address for all future correspondence and procedures. 

Thank you,

Company response to consumer: Closed with explanation