vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: UPGRADE, INC.
State: KY

Complaint narrative:
We had a loan with Upgrade that we refinanced in XXXX of 2026. We had not problems with the company before so it seemed like a safe bet. Over XX/XX/XXXXmonths later, afterXX/XX/XXXXmonths of on time payments, I awake to my Checking account being frozen ; the same account they deposited the money into XX/XX/XXXXmonths ago. Why? Well I had to benXX/XX/XXXX arm to even tell me but it turns out that Upgrade informed XXXX that the loan was fraudulent. Again, not at application but XX/XX/XXXX MONTHS LATER and AFTER XX/XX/XXXX MONTHS OF ON TIME PAYMENTS. We contact Upgrade and at first they XX/XX/XXXX about it, play XXXX but then we finally get the right team who tells us that this happens sometimes and that we need to send in selfies holding our ID and the loan paperwork so they can confirm we are who we say we are. Let me reiterate THIS WAS XX/XX/XXXX MONTHS AFTER WE GOT THE MONEY. Now my checking account is frozen and will remain so until Upgrade tells XXXX they made a mistake. We are at risk of being evicted, direct deposits were returned and my whole life is in shambles FOR DOING NOTHING WRONG AND MAKING MY PAYMENTS ON TIME. Why didn't they do any of this XXXX stuff BEFORE paying us. At no time inXX/XX/XXXX months since the loan was paid to my account being frozen did they call us, email us, send a telegram, a smoke signal, a mental transmission, nothing. I HAD TO CALL THEM after my checking account was locked. I can't reiterate this enough, no contact was made on the part of Upgrade to us in the XX/XX/XXXX months. They should took our payments with out a word of complaint and I can prove both the payments and no contact with email and phone records. We complied and sent in the information they needed. I have all the paperwork from the loan and PROOF of on time payments. Again, XXXX more time for the people in the back, THIS WAS XX/XX/XXXX MONTHS AFTER LOAN WAS PAID TO US. I desperately, that is to say we will literally starve, need Upgrade to call XXXX and expedite fixing their screwup. I will have no choice but to get an attorney involved. My gripe isn't with XXXX, they were just doing what they should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this formal complaint against Resurgent Capital Services regarding their failure to properly validate an alleged debt, despite multiple written requests sent via certified mail. Over the past year, I have sent several debt validation requests to Resurgent Capital Services. In these letters, I clearly requested specific documentation to verify the legitimacy of the alleged debt. However, instead of providing proper validation, the company has repeatedly responded only with generic invoices or billing statements, which do not meet the legal requirements for debt validation. Specifically, I requested the following : XXXX. A copy of the original contract or agreement bearing my signature that created the alleged obligation with the original creditor. XXXX. Documentation proving their legal authority to collect this debt, including a complete chain of assignment or sale from the original creditor to Resurgent Capital Services. To date, none of this information has been provided. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide proper validation of a debt upon request. Simply sending invoices or account statements does not constitute sufficient validation. This company has XXXX accounts they are trying to collect on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX They have failed to supply me with validation for both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
RESPA Violation & Unfair Business Practices Escrow Failure and Forced-Placed Insurance My mortgage was recently transferred from Genway to Carrington Mortgage Services , LLC . During this transfer, Carrington failed to properly transition my escrow data and failed to pay my homeowner 's insurance premium, causing my policy to lapse. Specific Violations : XXXX. Failure of Notification : Carrington claims to have sent warning notices regarding the insurance lapse. However, they admitted to sending these legal documents to a previous residence, despite holding the deed and servicing the mortgage for my current primary and only residence. I received XXXX notification via mail, phone, or email until the forced-placed policy was already in effect. XXXX. Escrow Mismanagement : As the servicer, Carrington had a duty to disburse escrow funds for my insurance. Their failure to do so caused the lapse they are now penalizing me for. Our payment also never lowered, so they were still collecting the cost of my insurance, even though they werent paying it. XXXX. Predatory Charges : Carrington is charging {$4100.00} for each of the 2 months of " forced-placed '' coverage, and totaling over {$8000.00} which is more than double my standard monthly mortgage payment. They are demanding an upfront payment of {$8000.00} or a monthly increase of {$710.00}, neither of which is financially sustainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding a fraud case involving TD Bank and a XXXX transaction. On XX/XX/year>, I was contacted by an individual impersonating TD Bank using a spoofed phone number that appeared to be TD Banks customer service line. The caller was able to verify my personal and account information, which made the interaction appear legitimate. I reasonably believed I was speaking with TD Bank. Under this deception, I was instructed to send {$1000.00} via XXXX to secure my account. I later discovered this was a scam. I immediately reported the incident to TD Bank, froze my debit card, filed a claim, and submitted a police report with the XXXX XXXX Police Department. The official police report confirms that this was an impersonation scam involving caller ID spoofing and social engineering. The report explicitly states that the suspect posed as a TD Bank employee and directed me to send funds via XXXX. Furthermore, after visiting a TD Bank branch, a bank representative acknowledged that this was clearly a scam and assisted in resubmitting my claim for further review. This raises concerns that my case may not have been properly classified or evaluated during prior investigations. Despite this, TD Bank denied my claim twice, stating that the transaction was authorized. This conclusion fails to account for the fact that the transaction was made under fraudulent impersonation and deception, not as a voluntary or informed payment. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Dear AmeriHome XXXX XXXX, I am filing a formal complaint regarding a mortgage servicing transfer that resulted in improper delinquency reporting on my account. My mortgage loan was transferred from XXXXXX/XX/XXXXXXXX to XXXXXX/XX/XXXXXXXX in XXXX. At that time, I brought the account fully current and set up automatic payments. In XXXX, the loan was transferred again to AmeriHome Mortgage Company. I did not receive any written notice of this second transfer from either XX/XX/XXXX or AmeriHome, as required under the Real Estate Settlement Procedures Act ( RESPA ). Because of the lack of notice and the autopay not transferring, I unintentionally missed payments. This resulted in my mortgage being reported as delinquent and caused my credit score to drop significantly from approximately XXXX to XXXX. I acted in good faith by keeping my account current and maintaining automatic payments prior to the XXXX transfer. I had no reasonable opportunity to make payments during the transfer due to the failure to provide written notification, which directly caused the delinquency. Additionally, I am currently in the process of purchasing another property, and my credit is scheduled to be pulled this week in connection with that loan application. The inaccurate delinquency reporting caused by this servicing transfer issue is likely to negatively impact my loan approval, interest rate, and overall borrowing costs. This situation is causing immediate and measurable financial harm. I am requesting : Proof of written notice for the XXXX servicing transfer Removal of all late payment reporting associated with this transfer Waiver of any related late fees Correction of my account to reflect accurate payment status Expedited review due to my pending mortgage application Please investigate this matter and respond promptly. I am prepared to bring the account fully current if necessary and provide any documentation required to support resolution. Thank you for your immediate attention to this urgent matter. Sincerely, XXXX XXXX LoanXX/XX/XXXX number : 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 2026-04-09 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: NV

Complaint narrative:
I have been a federal student loan borrower since XXXX with loans serviced by MOHELA ( formerly XXXXHigher Ed Loan Auth of Mo ) and XX/XX/XXXX( formerly XXXX XXXX ). I am reporting multiple documented violations : UNPROCESSED IDR APPLICATIONS : I submitted signed XXXX recertification applications on XX/XX/XXXX and XX/XX/XXXX. XXXX refused to participate in onlineXX/XX/XXXX processing, forcing paper submission to XXXX XXXX XXXX, XXXX PA . Both applications remain marked " Action Required '' on StudentAid.gov in XXXX never processed. Direct result : XXXX " XXXX Hardship End '' capitalization events totaling {$2600.00} documented in MOHELA 's own records. CAPITALIZED INTEREST : MOHELA 's transaction records document XXXX capitalization events totaling {$13000.00} added to my principal since XXXX, beginning with {$3500.00} capitalized on the first day of repayment before a single required payment was made. ILLEGAL FORBEARANCE FEES : {$50.00} charged XX/XX/XXXX and {$50.00} charged XX/XX/XXXX labeled " Forbearance Fee '' not authorized under FFELP regulations. IMPROPER LATE FEES : XXXX consecutive monthly late fees charged in XXXX during documented active repayment of XX/XX/XXXX XXXX per month. FEDERAL REPORTING FAILURE : XXXX shows {$0.00} cumulative payments on all MOHELA loans despite {$25000.00} in documented payment history. INTEREST RATE DISCREPANCY : MOHELA portal shows rates ofXX/XX/XXXX and XX/XX/XXXX. Federal XX/XX/XXXX records show fixed rates of XX/XX/XXXX and XX/XX/XXXX established at origination. Fixed rates can not legally change. MISSING RECORDS : Aidvantage shows no transaction history for XXXX University loans from XXXX through XXXX despite actively servicing them. I have paid {$25000.00} on loans originally worth {$19000.00} and still owe {$22000.00}. I have retained all documentation including original signed XX/XX/XXXX applications, completeXX/XX/XXXX data, and complete MOHELA transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Since XX/XX/XXXX, I have spoken with more than XXXX representatives, and each call has resulted in : Representatives verifying vehicle information but refusing to acknowledge the certified letter Being placed on hold and disconnected after mentioning the letter Representatives stating someone will call you but no one does Representatives refusing to escalate the issue or provide a department name Repeated emails encouraging me to stay in the vehicle instead of addressing my written request XXXX representative stating she was the only person who could handle my case and telling me to wait XXXX hours but no followup ever occurred I also submitted XXXX messages through Santanders online portal, and no one has responded. It has now been XXXX month since they received my certified letter I informed Santander of my financial hardship, but they have not offered any assistance or alternatives. My APR appears to fluctuate, and the payment breakdown has been inconsistent since the loan began. I learned after purchasing the vehicle that Santander has a history of predatory lending practices, which raises concerns about the handling of my account. Santander continues to contact me only for collections, while ignoring all written communication regarding voluntary surrender. What I am requesting I am requesting that the CFPB assist in obtaining : 1. Written acknowledgment of my voluntary surrender request 2. Written instructions for completing the surrender 3. A full account history, including interest calculations and fees 4. A written explanation of how the vehicle will be valued, sold, and how any deficiency balance will be calculated 5. A response from a supervisor or appropriate department, as representatives refuse to escalate Santanders refusal to respond in writing, disconnecting calls, and ignoring certified correspondence appears to be unfair and deceptive, and it prevents me from resolving this matter responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: OR

Complaint narrative:
A complete Formal Written Statement and supporting Exhibits AI are attached and incorporated by reference. These materials provide a detailed summary of the dispute, supporting documentation, and evidence of inconsistent determinations by Bank of America. I am a victim of identity theft and fraud and compromised device and even the IRS had to issue me a personal protection identity pin to file taxes. BOA said half is fraud half is not is the only institution out of XXXX other banks / credit cards that have not refunded me 100 %. They accidentally added a merchant on I had to get taken off finally. Same merchants different billing areas yes fraud no it's not fraud. Every time I call for a XXXX boa generated denial letter stating they reviewed everything but it's not possible then told from fraud specialist it's a automatic response. Please see attachments thank you.

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding Wells Fargos handling of a denied dispute involving a {$450.00} XXXX XXXX transaction. On or around XX/XX/year>, I was communicating with an online seller through social media regarding the purchase of a digital in-game item for {$450.00}. I asked the seller for their XXXX XXXX account. The seller provided a specific XXXX XXXX account ( $ XXXX ). Before sending the payment, I sent the seller a screenshot of that exact XXXX XXXX profile and asked if it was correct. The seller confirmed that it was his account. Based on that confirmation, I sent {$450.00} through XXXX XXXX. After the payment was sent, the seller changed his story and claimed that the account I sent money to was not his, stating that his account had a different profile appearance. This directly contradicts the earlier confirmation where he verified the account I showed him. When I confronted him, he became dismissive and refused to return the money. I also observed that the account details he later referenced appeared to match the account I originally sent money to, including similar identifying details such as account creation date, which further indicates deception. I have clear evidence showing : the seller providing the XXXX XXXX account me asking for confirmation before sending payment the seller confirming the account proof of the {$450.00} payment the seller changing his story after receiving the money the seller refusing to resolve the issue This was not an accidental transfer or a voluntary payment. I sent the money only because the seller confirmed the payment account and misrepresented the transaction. I disputed this transaction with Wells Fargo, but the claim was denied on the basis that the transaction was authorized and that XXXX XXXX did not do anything wrong. This response does not address the fact that the authorization was obtained through deception. If the seller had not falsely confirmed the payment account, I would not have sent the money. I am requesting : A full reinvestigation of this denied claim under fraud / scam / misrepresentation A written explanation of how Wells Fargo evaluated the deception involved Clarification of why this case was treated only as an authorized payment Reimbursement of the {$450.00} if the denial was improper I am prepared to provide all supporting screenshots and evidence.

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 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: ND

Complaint narrative:
Under federal law, payday loan companies are restricted to a maximum of XXXX consecutive failed attempts to withdraw money from your account. This company has tried to pull money out of mine and my husbands account XX/XX/XXXX times since XX/XX/XXXX. With the last attempt being XX/XX/XXXX. Im not sure if theyre going to be trying to pull it out more. But they pulled this same XXXX with my husband as well, and due to this our rent will now bounce and we will not only be charged another {$30.00} return check fee. But well also be charged {$30.00} with my landlord and an addition {$200.00} late fee. Dates for my payday loan payment : : : XX/XX/XXXX at XXXX - {$330.00} XX/XX/XXXX at XXXX - {$350.00} XX/XX/XXXX at XXXX - {$350.00} XX/XX/XXXX at XXXX - {$350.00} XX/XX/XXXX at XXXX - {$350.00} XX/XX/XXXX at XXXX - {$350.00} XX/XX/XXXX at XXXX - {$350.00} For my husband it has been about the same, but he doesnt have the notifications set up for his card so I only have XXXX tries. However, if you want the full log let me know and Ill contact my bank. XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$620.00} XX/XX/XXXX - {$620.00} XX/XX/XXXX - {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I used Wise to transfer money to a seller in XXXX. The seller sent me a faulty bag and as I was trying to get a replacement for the missing piece or even make a return she was very flaky and didnt cooperate. She refused to send a replacement and didnt cooperate to give me an address for return. I contacted Wise to dispute the charges and they request I make a consumer complaint first which I did and provided the documentation, then asked for a screenshots of my chat with the seller which I shared as well. They promised a response in 14 days but 30 days later no one responded or refunded me. Thats my case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
My vehicle was repossessed without my knowledge or consent from inside my secured, gated, and locked private residential garage. The repossessor gained unauthorized entry into the locked garage to remove the vehicle. No court order or judicial authorization was obtained permitting entry onto my private property or into the enclosed garage. This action constitutes a breach of the peace under Uniform Commercial Code ( UCC ) 9-609, which only permits self-help repossession if it can be carried out without breaching the peace. Entering a locked, enclosed residential garage is not permissible under self-help repossession laws and is considered an unlawful intrusion onto private property. As a direct result of this improper repossession, negative information now appears on my credit report. I am requesting a full investigation into this matter, immediate correction or removal of the negative credit reporting associated with this repossession, and any appropriate remedial action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to formally appeal the denial of my fraud claim. The unauthorized transaction occurred in XXXX, a location I have never visited. Furthermore, I have never used the physical card for this account. My previous card was reported lost in the mail, which strongly suggests mail theft and subsequent fraudulent use. I have attempted to contact customer service twice to reopen the investigation but received no notification of progress. Additionally, the specialist assigned to my case has been unreachable by phone. I am extremely disappointed with BoAs handling of this matter. I demand an immediate reopening of this investigation and a response within XX/XX/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