vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 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: NY

Complaint narrative:
On XX/XX/XXXX I requested a replacement card from Citi. The card never arrived. On XX/XX/XXXX, there were XXXX fraudulent withdrawals from my checking account for {$500.00} each. I blocked my card immediately and called Citibank. I had them issue me a new card, and asked them to investigate the transactions. They said that the withdrawals had been made with my card and pin and that they were consistent with my normal banking activities. 

I called Citi again on XX/XX/XXXX and asked for them to investigate again. I asked them for the location of the transactions, and they told me the withdrawals were made from an ATM at XXXX XXXX XXXX XXXX, NY. I have never been to this place. They said they would investigate again. They denied my fraud claim again for the same reason above.

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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
After a servicing transfer, my homeowners insurance renewal premium was partially paid by the servicer from escrow. The insurer later added back a {$220.00} endorsement balance and sent at least two invoices for the remaining premium. These invoices were not paid by the servicer, even though escrow funds were being collected monthly for insurance. The insurer subsequently issued a cancellation notice prior the actual cancellation. The servicer did not follow up to resolve the cancellation or pay the remaining balance. Instead, they allowed the policy to cancel and then imposed {$7000.00} in force-placed insurance, which created a large escrow shortage. This lapse occurred due to the servicers failure to properly administer escrow payments and monitor insurance billing, not due to any action by 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 explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Capital Bank is reporting a charged-off account inaccurately. 
The account reflects a charge-off with a XXXX balance while continuing to be reported without documentation establishing Comenitys current authority to report the account. If the account was sold or transferred, Comenity no longer has permissible purpose to continue furnishing this information.

Comenity failed to provide documentation supporting the accuracy and authority of its reporting after notice of dispute, in violation of the Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) and 623 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/XXXX I deposited 2 checks from payroll to my checking account mobile app. I didnt know one of checks wasnt signed back never rejected them put hold on account even though 1 check cleared and was good from the same company it is now the XX/XX/XXXX and they put a second hold on my account wont give me access to fund that are posted my employer called since it came out of their account and they were hung up on along with me once I mentioned filing complaints. I do not know what to do now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — VA 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was approved for a Loan Modification with XXXX XXXX XXXX which went into affect XX/XX/XXXX. At this time I received a letter that my loan was purchased by PHH and to become new mortgage company starting XX/XX/XXXX. At this time I noticed the rate and status reflected the old terms of my mortgage and that I was still behind. I reached out to PHH and was informed that they just received my loan information and it would update. I waited as instructed and no update was made. I then followed up and was asked for documentation of the loan modification. I reached out to the previous mortgage company XXXX and requested the signed copies of the loan modification. I then uploaded this to PHH via email and received a confirmation email that they had received them. This was done mid XX/XX/XXXX and I was instructed that they could not receive payment until this was updated because the payments would only go to my outstanding balance. It is now XX/XX/XXXX and after following up with the mortgage company I was told they have started the foreclosure process but they still can not take a payment. I am quite worried at this time and not sure what is to happen. I felt this would be a simple transition where PHH would verify the documents from XXXX and update my status where I could make payments. That is not the case and its been three months since, at this point I fear this may be a calculated decision.

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I called and paid the full balance and then a month later i get a bill for {$18.00}. I called spoke to several different people in different countries and ask for a manager. Never got a manager so I tried to make a payment. XXXX XXXX XXXX  recently changed my debit card to a discover Debit card that uses my checking account. Person on phone would not take it! Wanted to get my check account number and routing number. I do not trust these people. She refused to try the card so i didnt pay. I called back on the due date to try again and again talked to 4 different people in different countries. Im hard of hearing also. Finally got someone i could understand tried to pay and she refused to use the debit card as well. I requested a manager and told me No. I made the payment with a visa credit card which they claimed they could not take. Then i was told a late fee would be issued. On what? I was on the phone for over an hour probably. Still no manager. I recieved no bill in XXXX but XX/XX/XXXX i receive a bill for {$41.00}! Says i had a previous balance of {$20.00} which is not true. Reminder i told them to close the account back in early XXXX or nov. previous balance of XXXX plus a XXXX late fee and bogus min fee on top to total {$41.00}. They are just trying to charge me XXXX XXXX a month the rest of my life? When i had a balance on this card they would call me at XXXX at XXXX  and XXXX times a day from different phone numbers while I was at work. I told them not to call this company phone but they ignored. This company is guilty of harassment! Now predatory behavior! I believe they were fined by the federal government before. Help, I am being XXXX XXXX XXXX XXXX! Employees at XXXX XXXX agree this is the Worst credit card to get! I will Not continue to pay fraudulent charges!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dont understand th XXXX dollar for shortage in escrow They already added the increase in taxes and insurance which is XXXX but they are charging me an extra XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
Help my rights are being violated, XXXX XXXX. XXXX ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Synchrony Bank regarding their failure to properly investigate and honor a valid billing dispute, despite clear written confirmation from the merchant that the goods were never delivered and that a refund should be issued. 

Account Information - Creditor : Synchrony Bank - Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Amount : {$4300.00} Summary of the Issue On or about XX/XX/XXXX, I made a purchase from XXXX XXXX XXXX financed through Synchrony Bank. I never received the furniture associated with this transaction. 

After multiple attempts to resolve the issue directly with the merchant, XXXX XXXX XXXX provided written documentation confirming : - The furniture was never delivered - They have no issue issuing a refund - The refund should be processed through Synchrony Financial This confirmation was provided on official company letterhead, dated XX/XX/XXXX, signed by the store XXXX, and includes the invoice number, invoice date, and full transaction amount. 

Failure by Synchrony Bank Despite submitting this documentation to Synchrony Bank as part of my dispute, Synchrony Bank refused to resolve the dispute in my favor and has not issued the refund. I was informed that the dispute was denied, even though the merchant explicitly confirms non-delivery and authorizes the refund. 

In my view, Synchrony Bank failed to : - Conduct a reasonable investigation under the Fair Credit Billing Act ( FCBA ) - Properly consider merchant-provided written evidence - Protect me as a consumer from being charged for goods that were never received Supporting Documentation Provided - Merchant refund confirmation letter on XXXX XXXX XXXX  letterhead XXXX Invoice details showing the transaction amount and date - Merchant contact information and signature Requested Resolution I respectfully request that the CFPB : XXXX. Investigate Synchrony Banks handling of this dispute XXXX. XXXX Synchrony Bank to issue a full refund of {$4300.00} XXXX. Ensure that Synchrony Bank complies with its obligations under the Fair Credit Billing Act I am happy to provide any additional documentation or clarification if needed. 

Thank you for your time and attention to this matter. 

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 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Skopos Financial, LLC
State: IL

Complaint narrative:
There was nothing in the list that was appropriate for my issue. The company has called me XXXX times in the last XXXX XXXXays. They left a voicemail a couple times. It is my understanding that they can not call more than XXXX XXXXimes in XXXX  days.

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear XXXX Response Unit, I received a Notice of Account Closing dated XX/XX/2026 for all my accounts : The checking account numbers are XXXX, XXXX, XXXX, and XXXX, while the Savings Plus account numbers are XXXX and XXXX. Account holder : XXXX XXXX. I request a detailed explanation and reconsideration/reopening of the account. I have been a client in excellent standing for more than 31 years. Please review urgently. 
I emailed regarding the closure of my accounts, which include XXXX, XXXX, XXXX, and XXXX, while the XXXX XXXX account numbers are XXXX and XXXX. Please check the status and escalate it to higher review ; I need these accounts for ongoing financial needs. This issue affects my financial life ( direct deposit, bills, etc. ). 
my phone number is XXXX. Thank you for understanding Thank you and Best Regards 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 2026-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: January Technologies, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I entered a signed and negotiated contract with XXXX for a debt that I had with XXXX XXXXXXXX XXXX Since then, XXXX has been auto drafting my checking account weekly. On XX/XX/XXXX, after they pulled the payment from my checking account, they seized collection on the debt. I found out today XX/XX/XXXX when I received an email from XXXX to set up a payment arrangement for the account I set up with them back in XX/XX/XXXX. I called to find out what happened and was informed that XXXX XXXX Bank recalled the debt and sold it back to them so the contract that was initially set up was void and I would have to pay the full amount. I feel like Ive been scammed. I had already negotiated and signed a contract with XXXX, how was XXXX XXXX Bank able to recall the debt and sell it back to the same debt collector within a few weeks time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DRB-40, LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding the conduct of a debt collection company, DRB LLC. 

On XX/XX/year> at XXXX, I received a phone call from a representative of DRB LLC regarding an alleged debt. During this call, the representative became hostile, spoke in a belligerent and aggressive tone, and refused to provide documentation to validate the debt when I requested it. I calmly explained that I needed the original documentation to verify that the debt was legitimate and that it belonged to me. Instead of providing information, the representative loudly stated, THE DEBT IS YOURS, in an intimidating and unprofessional manner. 

I felt pressured and harassed during this interaction. The representative did not attempt to explain the debt, provide written validation information, or communicate professionally. This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, abusive language, and misleading or oppressive collection tactics. 

I am formally disputing this debt and have requested written validation. I am concerned that the company is attempting to collect a debt without providing proper documentation and is using aggressive behavior to pressure payment. This is XXXX call from this company. 

I am requesting that DRB LLC be required to : Provide proper written validation of the alleged debt Cease harassing or abusive communication Follow all requirements under the FDCPA I am also requesting that this incident be investigated to prevent similar treatment of other consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
A few weeks ago, I reached out about a loan transfer possibility with my solar servicing. They said that is not allowed. I finally found a buyer that was willing to assume the loan and so I called again and asked if there was a way to transfer my loan. They said no because they went bankrupt in 2025, which is a year after I had bought and signed the contract. I then asked for an updated contract and to speak to a manager. They said thats not allowed and that Id have to put an authorization in to get my contract. I waited XXXX days and I finally got to get my contract in the email where it still states that I was allowed to transfer my loan depending on approval by mosaic, which makes sense. I then asked to speak to somebody above the customer service rep about this issue and they said no that Im not allowed to. I then fought my way into getting the call transferred in a mark picked up. He said he was the manager of customer support. He said that I can pay my full bill online or over the phone, but he will not help me with anything else. I then asked to speak to somebody else and he transferred me to XXXX. She then tells me that he is not the manager and that he lied to me about that. She then got quite hostile with me and said that I can bring a lawyer to the situation if I want when I never even brought that into the realm of the conversation. I asked if there is a way that we can work through this together to where maybe if I paid it off at once they could give me some sort of hardship discount or please be able to transfer the loan. They said no and I have been hung up on multiple times since Then. I sent an email asking about it and they didnt give me much back whenever they did. they said thank you for taking the time. How can we help you? Basically I have that email as an attachment, but I was so upset that I had been hung up lied to already. My wife has called since then and she asked for in writing where we are being denied and why. I have attached those as well because they said they wouldnt provide us that information and that we cant get that information. Those are just a few of the phone calls, but Ive had these phone calls for about a XXXX week. Period. Where Ive continuously been hung up on or lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC
State: NC

Complaint narrative:
I have called Lending Point several times requesting a Payoff so that I can pay off this loan. Each Customer Service Rep are asking questions as to why the regular payment is late and where do you work, provide the phone number to your place of employment and just other statements that have NOTHING to do with them generating the payoff for this account. I'm in the process of refinancing my home loan and I want this particular loan paid off. I'm getting so much push back and they are NOT providing the payoff that has been requested in each and every phone call. This is the ONLY issue holding up the refinancing of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed NCB Services a written dispute and request for debt validation under the FDCPA and FCRA. NCB Services received this dispute on XX/XX/year>. 

While NCB Services provided some information in response, the materials supplied were incomplete and did not constitute full substantiation of the alleged debt. Specifically, the response did not include complete proof of ownership or chain of title, a full itemized account history showing how the balance was calculated, or sufficient documentation demonstrating NCB Services legal authority to collect the debt. 

Despite the unresolved dispute and incomplete investigation, NCB Services has continued collection activity and may be reporting or threatening to report the account to consumer reporting agencies. 

I believe this conduct violates the FDCPA and FCRA, including continuing collection activity without completing a reasonable investigation after a written dispute and attempting to collect or report information that has not been fully substantiated.

Company response to consumer: Closed with explanation