vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Scratch Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent in a death certificate and SSN card to Scratch Services to inform them of my father in laws passing. My late father in law has a loan in the amount of {$82000.00} for a solar system bought through XXXX which was acquired by XXXX recently. The financing goes through a company called XXXX who uses Scratch Services. Scratch Services is the company handling this loan. You cant call XXXX directly you have to use Scratch Services. After sending in the required documents they asked me if I wanted to take over the loan. I said no and they stated they would remove the system. I had no contact until XX/XX/XXXX after sending in the documents they required of my father in laws passing. At that time I was in the process of refinancing my home which I acquired on XX/XX/XXXX. My father in law gave me his house on XX/XX/XXXX with a certified Warranty Deed before his passing with the solar loan still in his name. The solar loan had just started a few months prior to this. My father in law was XXXX XXXX XXXX when they sold him this system with a 25 year loan. Since then I have tried calling, emailing this company several times to remove the system from my property and terminate the UCC Statement filed with the Secretary of State of Texas. When I get a response all I get is senior management is working on it or they are waiting to have a meeting about the account. I have demanded the company to terminate the UCC filing and I get no response. I have had no information communicated to me about this accounts status besides they are working on it. It has been five months of being left on hold for hours and sent to voice mail. I got automated email responses until I filed a XXXX complaint which the company never responded to and it got closed due to no response. Scratch Services has had 43 negative XXXX complaints in the last 12 months with minimal responses. I need the company to remove the solar system and file a UCC Termination Statement immediately. I can not refinance my home until they get this done and it has been five months with no progress trying to work with them. I sent them another message today stating I would give them XXXX for the system. That is all I can afford. This is putting a financial strain on my family and I need the UCC Termination Statement NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
From XXXX XXXX through XXXX XXXX my checking account went from XXXX to XXXX without my knowledge or consent. Notified the Chase Bank and filed a complaint to have my funds reimbursed and Chase Bank denied my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Speed1, Inc
State: CA

Complaint narrative:
What happened? In XX/XX/year>, XXXX XXXX failed to properly credit deposits and left transactions pending. After I contacted support, they acknowledged system errors and issued corrections. However, when my bank initiated a chargeback to recover unresolved funds, XXXX XXXX retaliated by restricting my account. Even after the chargeback was resolved, XXXX XXXX continued billing me for subscription services I could not access. I have records including XXXX XXXX statements, XXXX XXXX records, and transcripts of support interactions that confirm these issues. What would be a fair resolution to this issue?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CUSO Development Company, LLC
State: PA

Complaint narrative:
On XXXX, received a Loan Estimate from XXXX XXXX that estimated transfer tax at {$2300.00}. On XXXX, received a closing disclosure outlining transfer taxes of about {$3500.00} more. The lender claims " the city changed and it's a legitimate change in circumstance '' however, the city in both documents ( the loan estimate and the Closing Disclosure ) was listed as XXXX PA. Their system failed to pick up a zero tolerance violation, because the initial disclosure listed XXXX, PA ( Not an actual place, rather a neighborhood in XXXX ). It's clear from the Appraisal and the Loan Estimate that the lender had the correct municipality in advance of the Loan Estimate and failed to update the transfer taxes. Lender refusing to cure the difference in between the loan estimate and the Closing Disclosure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Subject : Request for Investigation Into Mortgage Balance and Servicing Irregularities To Whom It May Concern, I am writing to request a formal investigation into several irregularities with my mortgage account. My loan has been transferred multiple times from XXXX to XXXX to XXXX, and now to M & T Bank. Throughout these transfers in within XXXX to, I have made every payment on time. A few months ago, while applying for a line of credit, my mortgage balance was approximately {$120000.00}. I have recently discovered that my balance has increased to {$120000.00}, despite my consistent payments. This unexplained increase is highly concerning and appears improper. There are additional issues with my escrow account. Last year, I received multiple notices indicating that my property taxes were not being paid by the servicers, even though escrow funds were continuously collected from me. When I contacted XXXX M & T Bank for clarification, I did not receive an adequate explanation for either the incorrect balance or the escrow failures. I am also concerned about the design and functionality of the online portal. When attempting to access my account, the login process redirects between XXXX now back XXXX and M & T Bank, creating confusion and making it extremely difficult to verify account information. The system appears unnecessarily complicated, and I am concerned it may be contributing to these discrepancies. Given the continuous transfers between companies, the increase in my mortgage balance, the improper handling of my escrow payments, and the confusing and inconsistent online access, I believe my account may have been mishandled or altered by one or more of the companies involved. I respectfully request that the FTC investigate the actions and servicing practices of XXXX, XXXX and M & T Bank, and any associated entities. Thank you for your time and attention. Sincerely, XXXX XXXX XXXX XXXX or 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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DCS2 Asset Recovery, LLC
State: CT

Complaint narrative:
I have had multiple calls from XXXX I have been scammed by someone who was claiming to be a debt collector but was a scammer company I dont trust these companies and would like to know why Im getting bothered from this company and for what and it is legitimate and I would like the harassment to stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Upward Financial Inc.
State: PA

Complaint narrative:
A credit card was added to my credit. I never opened a credit card within the last year. Numerous people are on their website saying the same thing. I have proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upward Financial Inc.
State: AR

Complaint narrative:
On XX/XX/year> I was notified by my bank that a new account had shown up on my credit report. The account name is Upward Financial- the account was opened on XX/XX/year>. I did not open this account - I immediately tried to contact the company to have this account closed. The phone number listed only gives a recording. I found a customer support email : XXXX I contacted the company and they responded by saying my email didn't match the account- I explained that the account was opened fraudulently - they just stopped responding. I have sent several more emails requesting someone call me about the issue and have gotten no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I SEEN A RETURN CHECK FEE THAT I NEVER INCRUDE AND AN AGENT AUTHORIZED A PAYMENT FROM MY ACCOUNT AND BECAUSE I HAD NO FUNDS IT CAME BACK WITH A RETURN CHECK FEE ALSO! BUT, THIS AGENT AUTHORIZED A PAYMENT FROM MY CHECKING ACCOUNT WITHOUT MY PERMISSION AND WHEN I TOLD ANOTHER AGENT ON THE PHONE ABOUT THIS, THEY WIPED MY HISTORY CLEAN!!! BUT, SEE I HAVE SCREENSHOTS BEFORE THEY DID IT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DCS2 Asset Recovery, LLC
State: CA

Complaint narrative:
Several times these people have contacted my family. On XX/XX/XXXX they proceeded to tell my son all about my debt and the were trying to repo my recreational vehicle. They went into great detail of personal information even after my son told them he was on the national do not call list and they didn't have permission to call him. They still call. They also did the same thing to my daughter 2 times now. they have been asked several times to quit calling. They leave nasty messages on everyone of my relatives phones including my mom, dad, brother, son and XXXX daughters. When they have been asked how they got everyones numbers they say they have their ways its not their business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Rain Technologies Inc.
State: GA

Complaint narrative:
Today on XXXX XXXX I was using the rain app to access some funds from my check in advance I had a balance of {$48.00} XXXX withdrawn {$28.00} that left me a balance of {$20.00} they deducted {$2.00} from my {$20.00} I had left and later when I process the transaction I was charge {$2.00} again meaning it total to {$31.00} XXXX call Rain to figure out how they charge me again after the fee was deducted from my money so I requested to speak with a supervisor by XXXX different agents but was told no supervisor was available like they was giving me the run around and also the full balance doesnt show once I withdrawn partial of my funds that was available

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Upward Financial Inc.
State: MD

Complaint narrative:
I have tried to contact this company since XX/XX/year> to advise an account was opened without my knowledge or permission. No one answers the phone, returns calls, the answering service does not sound legit, or return messages sent via their website at XXXX XXXX XXXX. I have reported this information to the credit bureaus as fraudulent. XXXX XXXX response to my request to list this account as fraudulent was that Upward Financial confirmed the account belonged to me. If they confirm with the credit bureaus why can they not contact their so called " customer ''. The entire organization sounds like a fraud. I have filed an FTC report, will file a police report if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
Under FDCPA there are several violations that has been made by Diversified Adjustment Service Inc. The following violations are : Details of the Violation ( s ) : False or Misleading Representations section 1692e The debt collector falsely claimed I owed a balance to XXXX that I had already disputed and/or was never substantiated. The debt collector failed to provide proper validation before continuing collection activities. Unfair Practices 1692f The debt collector engaged in unfair practices, such as attempting to collect fees or charges not expressly authorized by the original agreement or permitted by law. Communication with Third Parties section 1692c ( b ) If applicable, The debt collector improperly disclosed details of the alleged debt to third parties without consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX acct was paid in full {$2400.00} XXXX was checking on line on phone - his finger hit button where said paid in full- they are charging my Checking acct XXXX, after bill has been paid- I have to stop payment, received nsf charge, and there doing a second time, spoke with citi 3 times, last person XXXX XXXX account manager states she can not stop it even though they have been paid in full, charging my account when there is no balance due - causing issue to my acct to stop and nsf XXXX happened 2 times already They should pay back funds XXXX attempting to receive money they are not owed

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 2026-02-20 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: Chime Financial Inc
State: TX

Complaint narrative:
I received an email from my XXXX XXXX and XXXX XXXX that a new credit card was opened on XX/XX/year>. However, I did not open this credit. When I contacted Chimefinacial to obtain more information they could not provide it to me even though I provided my name and information to verify the account. I would like to know what action was taken, is the credit card closed? What is Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I am disputing a collection account reported by Cavalry Portfolio Services. According to Cavalrys prior written response, the underlying Capital One account was charged off on XX/XX/XXXX and allegedly acquired by a Cavalry affiliate on XX/XX/XXXX. Cavalry further stated that a judgment was entered on XX/XX/XXXX in the amount of {$10000.00} plus costs and post-judgment interest. However, the consumer reporting agencies are currently reporting a balance of {$11000.00}. Cavalry has not provided : A certified copy of the judgment An itemized calculation showing how {$10000.00} became {$11000.00} A complete chain of title from the original creditor A bill of sale identifying this specific account The original signed agreement Documentation confirming the Date of First Delinquency Proof of lawful authority to report the account post-judgment If a judgment exists, the reporting must accurately reflect the legal status and balance of that judgment. The currently reported balance appears inconsistent with the amount Cavalry previously represented. Additionally, it is unclear whether the account is being reported in a manner that could constitute double reporting or inaccurate classification following judgment. I am requesting that Cavalry Portfolio Services either : Provide competent documentary evidence establishing lawful ownership, accurate balance calculation, and proper reporting classification ; or Cease reporting and request deletion of this tradeline from all consumer reporting agencies. Absent proper documentation, continued reporting appears inaccurate and misleading under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I was sent a statement that I owe {$650.00} on my phone bill, and, I have not used XXXX since XX/XX/year>. I should not still be billed almost 5 months later when I have not used the phone or watch.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Rain Technologies Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding unauthorized transactions and account access involving my Rain XXXX XXXX account. On or around XX/XX/year>, I discovered that approximately {$900.00} had been taken from my paycheck through my Rain account without my authorization. I did not initiate or approve these transactions, and the funds were not transferred to any account or card that belongs to me. Immediately after noticing the issue, I contacted Rain through email and phone to report the unauthorized activity. During this time, I began receiving responses indicating that someone was actively communicating with Rain through the app as if they were me. I informed Rain multiple times that I did not have the app downloaded on my phone at that time and that any communication through the app was not from me. I only communicated with Rain through email and phone calls. This indicates that my account was accessed by an unauthorized individual. At Rains request, I later downloaded the app in order to secure my account and change my password. However, I was initially unable to do so and was required to go through an identity verification process, including submitting my ID. Additionally, the card or account information linked to where the funds were sent was not mine. Despite reporting this as fraud and unauthorized access, Rain completed their investigation and denied my claim, stating there were no signs of fraudulent activity. They also refused to provide any details, documentation, or explanation supporting their decision. I am requesting a full reinvestigation of this matter, including a review of account access logs, IP addresses, device information, and the destination of the funds. I am also requesting reimbursement of the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Rain Technologies Inc.
State: GA

Complaint narrative:
Yes I have a account with Rain instant pay thru my employer and the funds get deducted every XXXX weeks on my pay cycle and I notice for the pay period for XX/XX/year> this rain instant pay took too much money out of my account the balance I added up was $ XXXX the balance they took was {$370.00} XXXX call and them to get answers I was told by a supervisor that they get my direct deposit from my payroll every XXXX days when I get paid every XXXX weeks there was {$76.00} extra stole from my pay period by this company and they not trying to fix this issue which will be fraud and stealing

Company response to consumer: Closed with non-monetary relief