vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: RCN Capital, LLC
State: SC

Complaint narrative:
Beginning in XX/XX/2025, I engaged a nationwide private mortgage lender regarding refinancing an investment property in South Carolina. From the outset, I disclosed that the property was owned by an LLC with a business partner and that the existing payoff obligation was to that partner. 

In XXXX XXXX, the lender provided written pricing, term sheets, and guidance structuring the transaction as a rate-and-term refinance, including quoted interest rate, loan-to-value, and closing timeline. Relying on these representations, I submitted a formal application, completed underwriting requirements, unlocked credit reports, secured a tenant as requested, removed the property from sale, and paid third-party fees, including an appraisal fee of {$690.00} and an appraisal review fee of {$120.00}. 

Throughout XXXX and XX/XX/2025, the lender continued to process the loan under the rate-and-term structure, repeatedly indicating that a XXXX closing was achievable. At no point during intake, underwriting, or prior communications was I advised that the structure was ineligible or non-policy. 

On XX/XX/2025, after the requested closing date had passed and after all third-party costs had been incurred, the lender informed me that the loan had been misclassified at intake and that, due to the disclosed relationship with the partner payoff, the transaction should have been structured as cash-out from the beginning. The lender acknowledged in writing that this was an internal error and that, had correct classification occurred earlier, I may have made a different decision. 

As a result of the late reclassification, the lender reduced the allowable loan-to-value from 75 % to 70 %, increased the interest rate from 6.475 % to 6.55 %, reduced available proceeds by approximately {$7000.00}, and eliminated the possibility of a 2025 closing, creating material financial and tax consequences. Despite acknowledging fault, the lender declined to offer meaningful remediation beyond a {$180.00} fee reduction, leaving me to absorb the full cost and impact of the error.

I attempted to resolve the issue directly with the loan officer, her supervisor, and company leadership. The lender confirmed that no additional concessions would be offered and that the revised loan was the only option available. 

This complaint concerns a mortgage product that was offered, processed, and advanced under a structure that the lender later admitted was never eligible, after inducing reliance, incurring fees, and consuming significant time. I am requesting review of whether this conduct constitutes a misleading mortgage offering and whether appropriate remediation should be required.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, I was advised that on my current CD 's that are in contract with XXXX, Global Credit Union will not honor the clause where it allows me to " make unlimited deposits into your account ''. XXXX was purchased by Global Credit Union XX/XX/XXXX. I have XXXX  CD accounts through them as well as my brother has a CD - and numerous other customers have CD accounts. For the good of ALL, how can this credit union not honor the current contract?? There was no money involved as I was denied the deposit. I can disclose amounts later and others will too. Currently the only action Global Credit Union is exercising is DENIAL.

Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NC

Complaint narrative:
My US bank account was placed on freeze and pending closure around XX/XX/XXXX with no specific reason or explanation and I was unable to dispute. A family friend transferred funds to my account in the amount of XXXX for a loan to start a business. I was told on XX/XX/XXXX that is would take 1-14 business days to close the account and a cashier check with remaining funds will be sent via cashier check. Ive been calling day to day and my account is still currently pending closure as of XX/XX/XXXX. Im in distress cause I have no other bank account and Im without funds with a 5 yrs old child to take care of. Everytime I speak with a representative from US bank they are being rude and giving me limited information on my account status.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I am filing this complaint regarding a misapplied Pay-a-Friend ( P2P ) transfer through SoFi. 

On XX/XX/year>, I initiated a P2P transfer using my wifes phone number. This phone number is verified, active, and currently used by my wife, XXXX XXXX XXXX XXXX, on her SoFi account.

During the transaction, the SoFi app did not display any recipient name or counterparty information prior to confirmation. I was only prompted to enter the phone number. Based on that, I reasonably expected the funds to be delivered to my wifes account.

After the transfer was completed, the funds were credited to a different SoFi user. My wife did not receive the money. The name of the unintended recipient appeared only after the transaction was completed, on the receipt generated by SoFi.

SoFi later denied my dispute, stating that no error occurred. However, SoFi has not demonstrated that the phone number used belonged to the unintended recipient, nor that any recipient name was shown to me prior to confirmation.

If two different SoFi users were allowed to have the same phone number associated with their accounts, this represents a failure of SoFis internal controls. A verified phone number should route funds exclusively to the verified account holder who actively uses that number.

This error caused financial hardship, as the funds were intended for our rent payment. I requested reconsideration directly with SoFi, but they failed to respond.

I am requesting that SoFi be required to correct this misapplied transfer, return the funds, and address the system failure that allowed this situation to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IA

Complaint narrative:
Cashapp closed my account and wont let me withdraw my funds or sell my stocks or XXXX. I have {$1800.00} in my account I cant acted and Ive called multiple times and its been over 60 days since my account closure they havent solved it in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
The company is attempting to collect and report an alleged debt that has already been paid. Despite payment, the account continues to be reported on my credit reports and treated as an active or unpaid debt. 
I formally disputed this account under 15 U.S.C. 1692g ( b ) ( FDCPA ) and requested proper legal validation, including proof of the original contract, chain of title, itemization of the debt, and proof of their legal authority to collect. The company has failed to provide this documentation.

Despite the lack of validation and the fact that the debt was paid, the company continues to report the account and/or attempt collection, which violates the FDCPA ( 15 U.S.C. 1692e and 1692g ) and the FCRA ( 15 U.S.C. 1681s-2 ) by furnishing inaccurate or unverified information to credit bureaus.

They also failed to provide required notice of any transfer of the debt under TILA ( 15 U.S.C. 1641 ( g ) ) and RESPA ( 12 U.S.C. 2605 ).

I request that the CFPB require the company to correct or delete this account immediately and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Email from XXXX XXXXXXXX XXXX true accord corp.I advised I have no debt with XXXX XXXX at this time... asked what address was used ... they requested my name, dob , address, ect ... lots of personal info you think they would have .. their tel # is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX, ks XXXX I was trying to be scammed for my in XX/XX/year> which I reported to you report # XXXX ... I beleive this has something to do with that situation. The account they claim I owe is XXXX amount is {$440.00} Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I had XXXX XXXX XXXX and switched to XXXX  when I got a new vehicle. Before I switched I contacted XXXX XXXX XXXX and asked if there was an outstanding debt I needed to pay before I switched to XXXX. They told me no and then a few weeks later, I got a notice in the mail that I had an outstanding balance that was sent to collections. They did not try one time to contact me via email phone or text that I owed the debt they sent me straight to collections. I believe it was retaliation because I switched car insurances they seemed upset when I switched.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was 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, wallet, phone and all my identity documents which led to unauthorized individuals gaining access to my personal information and opened these accounts in my name Barclays Bank Delaware XXXX XXXX XXXX XXXXXXXX XXXX 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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications 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: TN

Complaint narrative:
{$300.00} dollors debt which after receiving my payment threatened and and kept upping the debt. From my personal experience, the debt collector used unfair and misleading tactics that caused my original {$300.00} debt to increase to {$600.00} even though I made payments. Each time I paid, new fees, interest, or unexplained charges were added, and my payments did not seem to reduce the balance as they should have. The statements were unclear and inconsistent, making it difficult to understand where my money was going. This created constant pressure and frustration, as it felt like the balance was being intentionally inflated rather than resolved in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I had a single XXXX late payment on my Apple Card that has since been fully resolved with a large payment and the account is now current and in good standing. 

I contacted Goldman Sachs requesting a one-time goodwill adjustment to remove the late payment due to my otherwise positive history. I was told they do not offer goodwill reporting at all and refused to review it. 

I am not disputing the accuracy of the reporting. I am asking that Goldman Sachs conduct a goodwill review based on my relationship and current account status. 

I am requesting that Goldman Sachs reconsider and, if appropriate, request removal of the late payment from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet will not answer or process asked for information, have sanctioned impossible interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Please help me with this issue still not resolved My name is XXXX XXXX I need to make a complaint I need this to be review and reverse and credit to my account for Hello I need this Chargeback Settlement {$63.00} XX/XX/2025. Transfer via Debit Card Transfer from PayPal balance Transaction ID XXXX to be waived and credit to account for {$63.00} because I should not have to pay for it because if I am not responsible for it and I won the dispute because I didnt get my full XXXX I order thats why I dispute it with my bank etc. My account email is XXXX and my phone number is XXXX etc. Update i need this to be review again and investigative again and assigned to a new investigative worker for cfbp complaint case number is XXXX because I disagree with this relief DESCRIPTION OF NON-MONETARY RELIEF I am pleased to inform you that we have taken steps to provide some of the relief requested, as detailed below, by ceasing collections on your XXXX account negative balance on XX/XX/2025 I want a onetime credit for {$63.00} so please applied the {$63.00} credit because I should not have to pay for it because if I am not responsible or liable or liability so yall are responsible and liable and liability for it and because I won the dispute because I didnt get my full XXXX I order thats why I dispute it with my bank etc So please waive or credit the balance off my account for me etc. so please help me and onetime waive it for me and that is it and let me know when yall waive it and credit my account balance to {$0.00} and send me proof when yall do on cfbp etc please help me asp I need it waived and credits asp I still need this issue to be resolved and fixed for me and credits because I disagree with the last decision by yall so I need it to be assigned to a new XXXX and a new final senior XXXX and a supervisor and someone who is higher who can resolved my issue and provide me a full amount of credit etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
I am filing this complaint against BSI Financial Services for failing to acknowledge a Loss Mitigation Application. My household suffered a significant financial hardship starting in XX/XX/XXXX when I ( XXXX XXXX XXXX lost my job. I remained unemployed until XX/XX/XXXX. This hardship is now fully resolved as I am back to full-time employment. 

On XX/XX/XXXX, we submitted a complete Loss Mitigation Application ( Workout Package ) to BSI Financial 's Default Resolution Team. Per 12 CFR 1024.41, BSI was required to acknowledge receipt of this package within XXXX business days and provide a status update. BSI has failed to do so. We have attempted to contact the Default Resolution Team by phone multiple times, but we are repeatedly placed on hold for extended periods and then disconnected. We ( my wife and I ) are unable to reach a Single Point of Contact. The point of contact we were provided, XXXX XXXX, does not have a direct line, and the number provided is to the call center. On XXXX, XX/XX/XXXX, we sent a Notice of Error to BSI along with all of our documents and the Loss Mitigation Application. We are just looking for the best way to get our account back in good standing.

We are requesting that BSI immediately acknowledge our application, assign an SPOC, and stay all foreclosure proceedings while our review is completed. 

It should be noted that my wife ( XXXX XXXX ) is the one who created this account for me to submit my complaint. I would also like her to be able to talk with BSI and make payments in the future, as I work a third shift job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a notice from LVNV through the mail that I may be possibly sued for an old debt I had lost track of. Over the phone, they tried too hard to pry into my personal life and I let them know I would not hand out any personal information until they gave me full details on the claim being filed against me. I said I was willing to look into a payment plan and I would like an email so I had a payment plan conveyed in writing. They refused. I was told if I got off the phone without coming to an agreement immediately I would be pursued in court. All I asked for was an email with a detailed payment plan so I can start a paper trail for my finances. They were so aggressive, I was not sure if it was real or if it was a scam and I wanted documentation to support their claims. A process server has been calling me non stop and harassing me while I am at work. I told him multiple times, I did not have the ability to accept any legal documentation on XX/XX/year>, and I was willing to agree on a time on XX/XX/year>. He was not agreeable to that, even though I was trying to work with him. He then told me that he did not need to verify my address, after asking me, because he already had it so it did not matter. After that, he called many of my relatives claiming that I gave him their phone number, which is a lie. He claimed that I put their names down as references, which is a lie. He is illegally harassing my family. I tried to be reasonable, but this needs to stop. They have taken the calls too far.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal closed my account for what they considered unusual activity however it will take me XXXX months to get my {$11000.00} out of my PayPal savings account transferred back to my own savings account. They want to end and close my account and I want to end the relationship as well but I should not be forced to wait 6 months to transfer money from my PayPal accounts to my regular savings account in regular account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
XX/XX/year> {$120.00} refund from uber, XX/XX/XXXX {$110.00} refund from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
I purchased XXXX {$50.00} XXXX XXXX gift cards for my children to use online at such retailers like XXXXXXXX XXXX XXXX XXXX  Both cards have not been able to be used and continue to decline after correct activation of each and a confirmed balance of {$50.00} for each card. This product is terribly designed, flawed, and quite frankly a waste of money. Not to mention they also charge an activation fee on top of the money you add to the card. I will never recommend or use this card ever again. After calling the customer service line I was told several empty explanations without any reason behind the decline. It was a suggestion of using at different merchants only no other options or support. She also mocked me during the conversation when I asked for clarity!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX our phone number was stolen. We inform Bank of America that day On XX/XX/year> using that phone number someone used the information to withdraw XXXX dollars from a CD and transfer to our checking account then proceed to withdraw our money from our savings and checking accounts. The amount taken XXXX. These withdrawals was between the XXXX of XX/XX/year>. To XXXX XX/XX/year>. There was several transactions plus XXXX charged to our credit card. 
I have been sending all my findings to Bank of America. 
We have XXXX separate claims for all these unauthorized transactions. 
Claim numbers XXXX XXXX XXXX We have received several denied letters. We have more then XXXX hours at Bank of America branches with no results. 
We had a diagnostic done on they phone. We faxed that information to them along with a web search showing our original phone provider ( XXXX XXXX ) was hacked in XXXX of XXXX  We have our remaining funds at Bank of America frozen. 
This has been going on since XX/XX/year> when we filed the claims. 
We are senior citizens living on a fixed income. This all our savings but Bank of America does not off any help except just denied of claims. The fraud department never reach to us XXXX XXXX XXXX XXXX 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 monetary relief