kgptalkie/mini-clef
Text Classification • 0.9B • Updated • 56 • 1
id stringlengths 12 12 | complaint stringlengths 71 1.01k | product stringclasses 9
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cfpb-6364852 | Upon receiving an updated credit report in XXXXXXXX XXXX XXXX I noticed this credit card opened in my name that I never opened. I need this account, along with the inquiry removed from all credit profiles and consumer reports. | credit_card |
cfpb-5589746 | You are in violation and it has been over 30 days for your investigation with no response. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the fil... | credit_reporting |
cfpb-5744743 | My ATM case number with commerce bank is XXXX On Saturday XX/XX/XXXX at XXXX XXXX I went to the bank ATM on XXXX XXXX XXXX XXXX, XXXX, KS XXXX. I attempted to deposit {$2100.00} through the ATM machine. The machine gave me an error after it took my cash money and said can not complete transaction please communicate wi... | bank_account |
cfpb-5311278 | I received an email from XXXX XXXX notifying me of a credit change. An account was opened with Citicard on XX/XX/2022. It shows a balance of over 2,000 that I have no knowledge of it. I was giving birth to my daughter born XXXX XXXX. I did not apply for any credit card, I have not authorized a credit check to anyone. | credit_card |
cfpb-6652617 | This account was open as fraud. I was not the one who open this account | personal_loan |
cfpb-5796669 | Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$670.0... | credit_reporting |
cfpb-8227903 | I gave the reasons for repayment due to the extra fees that was demanded cause my vehicle to be repossessed and then cause other fees that a cured during the length of the loan. | vehicle_loan |
cfpb-7527099 | My CashApp card was locked. Overnight CashApp allowed transactions to post even though my card was locked and then overdrew my account. I tried to work this out with them but they are refusing to return my money. | money_transfer |
cfpb-6818436 | XXXXsent {$370.00} payment to wrong person on cashapp. contacted support while transaction was in pending status to request to cancel after attempting 4 times nothing was done reps kept ending chat would not address request at all then once transaction completed was not showing in transaction history and support refuse... | money_transfer |
cfpb-7839227 | Dear Sirs/Madame : My student loan payment should resume XX/XX/XXXX because I made advanced payments. I have logged into my EdFinancial account several times in XXXX and XX/XX/XXXX, to make the XX/XX/XXXX payment when I was notified. I paid XXXX. However, I have tried calling several times to inquire why I am being bil... | student_loan |
cfpb-1388073 | I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}.
THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN?
AND THEY STILL TAKING MONEY FROM MY BANK. | personal_loan |
cfpb-5420938 | On XX/XX/2022, USCB America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, flagged my credit bureau accounts for a collection but has never made any contact with me in any manner. As I understand it, this action by USCB is a violation of the Fair Debt Collection Practices Act, and subjects it to a {$1000.00} penalty... | debt_collection |
cfpb-7998003 | I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing... | credit_reporting |
cfpb-3880224 | Sent money through paypal to the wrong email address and the person who received it didn't return it. Paypal refuses to fix the problem for me, leaving me a negative balance over {$450.00} | money_transfer |
cfpb-3167273 | On XX/XX/XXXX 2 men from XXXX XXXX XXXX showed up at my door and sold me a XXXX vacuum. They used predatory leaning practices I feel and finance me for 36 months at XXXX rate at XXXX a month with XXXX down thru a bank called XXXX XXXX XXXX XXXX company. They DID not fill out the total sale price box on the bank contrac... | personal_loan |
cfpb-6643682 | I sign up for a 4 year interest free account with Synchrony Bank through XXXX XXXX, then on the first month they take the full amount out of the loan my bank, almost {$8000.00} I wasn't expecting. The payment should have been around {$160.00}. I call them on XX/XX/XXXX and they apologize after trying to blame me for th... | credit_card |
cfpb-7374775 | XX/XX/ : Deposited {$20000.00} to Marcus XXXX Account from XXXX XXXX XXXXXXXX XXXX Account.
XX/XX/ : Marcus XXXX Account locked, called the bank and they said they need to close my account and that I will receive a check with my deposit in the mail.
XX/XX/ : Hadn't received my deposit in the mail so called Marcus a... | bank_account |
cfpb-7757084 | I applied for the XXXX program on XX/XX/XXXX. My loans are handled by Nelnet. My loans have been accruing interest. I inquired with Nelnet on XX/XX/XXXX on when my XXXX application would be processed since they have continued to put my loans on forbearance but the interest has continued to accrue. They told me they had... | student_loan |
cfpb-7208538 | I received a new XXXX in the mail from Fortiva on Saturday XX/XX/2023.
I did not apply for this card, authorize this card, or desire this card.
The company sent me a " congratulatory '' email on XX/XX/2023, that a card was being mailed to me unless I responded. I did not see the email in time.
I also received a c... | credit_card |
cfpb-4320604 | On XX/XX/XXXX, my vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was parked on XXXX XXXX and hit by another vehicle. When I came out no one was around and my vehicle was crushed. I immediately contacted both XXXX XXXX and XXXX XXXX. My vehicle was deemed a total loss by XXXX. My auto loan contained a gap waiver a... | vehicle_loan |
cfpb-7264956 | I have interest free promotional purchases on my Care Credit account. Every month I have difficulty paying those promotions off because my payments arent being allocated correctly. I have to call or virtually chat with a representative at least 3 to 4 times after each payment to get it fixed. Each representative tells ... | credit_card |
cfpb-6537880 | Venmo is failing to adhere to their stated procedures for resolving customer complaints, including customer complaints that have regulatory implications. The terms of service advise contacting Venmo through chat, but the chat service has been converted into a chatbot that can not accept customer complaints. As you will... | money_transfer |
cfpb-2584837 | An Original Mortgage done in XX/XX/XXXX h as been CANCEL LED XX/XX/XXXX . A load mo dification has been done on this mort gage XX/XX/XXXX for a greater amount of sums included. I bear NO signature to this loan modification, as well as I was not aware of this being done, as I no longer resided at this address. Na... | mortgage |
cfpb-7609874 | To whom it may concern : I have served in the United States ' federal government for over eleven years, submitted my PSLF form for complete loan forgiveness about a month ago, & simultaneously requested that my loans be placed in forbearance while forgiveness was considered. I also emailed the provider ( MOHELA ) to as... | student_loan |
cfpb-4180789 | On 2018 I took out a loan which supposed to run smoothly but was nothing like that, XXXX have to paid off the loan which I couldn't use, and the amount that I paid so they stopped taking around XXXX $ monthly payments from my account was {$9600.00}, I thought at last everything is done with them, and NO, surprise when ... | mortgage |
cfpb-7557360 | My mortgage was sold to RoundPoint Mortgage Servicing LLC by XXXX XXXX in XX/XX/2023. I've had multiple issues trying to process payments with the new company.
I have multiple complaints : - It is very difficult to reach a live person via their telephone automated system.
- No one responds to email inquiries.
- Onl... | mortgage |
cfpb-3070467 | I have an account with XXXX that has now been closed for over 2 years. Ive attempted to contact XXXX and pay the outstanding balance, to no avail I was told that the account was moved to collections. So I contacted the collection agencys phone number XXXX once I got ahold of a rep for this agency I was told that the ac... | credit_card |
cfpb-6927642 | On XXXX XXXX and XXXX I was charged high exchange rate fees with no advance warning at the U.S. Bank XXXX branch ATM. In each transaction I requested {$1000.00} and was charged around {$60.00} ( 6 % ). This same ATM used to perform transactions straight in US dollars, while in these last 2 times it chose to do it in t... | money_transfer |
cfpb-6340945 | State of Florida, Department of Economic Opportunity ( DEO ), thru The Homeowners Assistance Funds program, ( HAF ) is making my monthly mortgage payments to Caliber Home Loans for next six months.
State of Florida 's special payments unit in XXXX Florida, assured me several times that monthly payments are being sent ... | mortgage |
cfpb-5600543 | A suit was entered in WI circuit court for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been XXXX yrs and the zombie debt is statute barred from collection. They are trying to resta... | debt_collection |
cfpb-7903106 | Aidvantage website had misleading pop-up message leading me to believe I had to recertify my income driven repayment plan. I learned through another website that I didn't recertify until mid XXXX | student_loan |
cfpb-5550702 | Dear Sir or Madam, My name is XXXX XXXX XXXX, I am a XXXX veteran I served in the XXXX XXXX, I am receiving 100 % Service Connected Unemployability, I had a VA loan with XXXX XXXX which I was on forbearance and the loan was sold to Midland Mortgage without notifying me back in XXXX, when I was notify in XXXX after a ca... | mortgage |
cfpb-5266067 | XXXX, is a company that The finances good theres a negative account on my credit report that I dont believe is mine Ive done business with this company before and I have paid everything in full and I have a negative account on my credit report from the same company | personal_loan |
cfpb-7869310 | It is my understanding that we are supposed to receive at least 2 weeks notice before a student loan bill. Mohela sent me a welcome email on XX/XX/XXXX with a link to my account. I clicked the link to view my account and it said that my bill was due that same day ( XX/XX/XXXX ). I reached out to inquire about receiving... | student_loan |
cfpb-6114734 | Discover Payment for my credit card was due XX/XX/XXXX. On XX/XX/XXXX I did not show my normal {$150.00} fixed amount has processed, so I edited the payment amount to reflect my desired {$230.00}. I authorized XXXX transaction for {$230.00} on XX/XX/XXXX, then on XX/XX/XXXX I recieve an email stating my discover paymen... | credit_card |
cfpb-2893969 | On XX/XX/XXXX, my Bank of America checking account was closed WITHOUT warning or prior notice. My account was frozen and I was told that I am not able to withdraw my funds from my account.
I was told my my funds are being mailed to me and that it could take several weeks before I receive my money.
I have apporximat... | bank_account |
cfpb-3787153 | I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering... | credit_reporting |
cfpb-7157757 | I contacted Wells Fargo XXXX times over the past XXXX months ( including an in person branch visit ) regarding unclaimed funds - after receiving initial letter. Each time I was told they would expedite the case and contact me. Only today after repeated attempts did I get an email saying funds had been transferred with... | money_transfer |
cfpb-4058137 | I filed for chapter XXXX bankruptcy in 2013 and Nelnet and it subsidiaries file a claim. They were repaid thru the 5 years and at the end of bankruptcy I paid back all claims in full. Now nelnet reopened new claims of money owed. They provided the courts with their claims and it got paid, they cant now come back and Ci... | student_loan |
cfpb-5472041 | I recently lost everything I owned. This fact also means any communication methods including computer or mobile device like my former cell phone I no longer posses. I can not login to an account with the email address of my personal reference source to allow me a method of communication for personal private social or b... | money_transfer |
cfpb-7219180 | On XX/XX/2023 I made a {$4000.00} and a {$370.00} payment to my Wells Fargo loan XXXX. On XX/XX/XXXX the money was removed from my XXXX XXXX XXXX XXXX bank account. On XX/XX/XXXX Wells Fargo reversed my loan payment and charged me more interest. I had just left Wells as my employer and moved to XXXX but that shouldnt h... | personal_loan |
cfpb-5570401 | My cell phone broke credit karma did not recognize my tablet but did recognize my sim card. I called XXXX time no would help me even when I email my valid Washington state drivers license, birth certificate bank atm card and bill.also I sent XXXX different vehicle titles and a car insurance claim all with my address. I... | credit_card |
cfpb-5194824 | I noticed a few accounts and inquiries on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXl, XXXX, XXXX | credit_reporting |
cfpb-4778793 | I have disputed numerous times with XXXX and creditors to resolve this issue and have been completely ignored | credit_reporting |
cfpb-5478885 | Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the go... | money_transfer |
cfpb-4651300 | Please see the attached letter for info request for all monthly mortgage statements you have on file for me at my residence at XXXX XXXX XXXX, XXXX XXXX Tx XXXX for the dates of XX/XX/2018 through current. | mortgage |
cfpb-3410706 | I ordered food on the XXXX app but did not receive any food nor anything at all. Since my order was paid for on the app, the store manager XXXX told me they can not process refunds for purchases made on the app and directed me to dispute the transaction with my bank to obtain the refund.
I disputed the transaction wi... | bank_account |
cfpb-5690398 | I thought I was disputing the fee for the target red card and sent them a letter to provide documentation that is legally required based on the Fair Credit Reporting Act and they still did not nullifying the debt. They kept charging me late fees and reported the amounts to the credit bureaus without a letter of dispute... | credit_card |
cfpb-4400448 | PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it ... | money_transfer |
cfpb-7752591 | XX/XX/XXXX I requested a payoff from Roundpoint mortgage. I received notification that they received my request, and they would email the payoff.. they keep telling me they email it but it has not been received.. their email also said this payoff would be available to access thru my customer portal. once again they lie... | mortgage |
cfpb-5225042 | For the last several years I have been disputing several accounts on my Equifax credit report. All they keep doing is updating the accounts and marking verified or just updating them. I have asked for the method of verification several times and still haven't received it. Today while looking up my disputes I noticed th... | credit_reporting |
cfpb-6361991 | I am going through the foreclosure process. The last two statements include late fees and I have not received the closing documents with both parties signature. I requested them in writing in XXXX. When I get documents a lot of information is missing or not provided.
Errors have been made in the payment history. All d... | mortgage |
cfpb-5531379 | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights.
15 U.S... | credit_reporting |
cfpb-7646799 | I have reviewed a copy of my consumer report and observed that both the consumer reporting agency and the alleged " creditor '' have provided my information without obtaining my proper consent. It is evident, as per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, that they must either possess my written cons... | debt_collection |
cfpb-6942902 | I was affected and harmed by the data breach and discovered misuse of my information.I am now maliciously harmed and damaged by the misconduct & negligence of this agency to whom I hadnt given written approval to sell, collect and or distribute my information- in the first place.Equifaxs negligence led to a security br... | credit_reporting |
cfpb-6801882 | My checking account was fraudulently charged {$12.00} by a Florida scam site ( XXXX XXXX ). I contacted the bank, reported the fraud. They cancelled the card and said they would open a dispute case. I told them it wasn't a dispute, it was a fraudulent charge and I was concerned how they got my debit card information. I... | bank_account |
cfpb-4901325 | I BORROWED FROM XXXX XXXX ON XX/XX/21 ( LOAN CLOSING DATE ) AND I REFINANCED ON XX/XX/21 WITH XXXX XXXX XXXX. AS A RESULT, PAYOFF WAS RECEIVED FROM XXXX AND PAID OFF THIS LOAN. HOWEVER, XXXX TRANSFER THIS LOAN TO PHH MORTGAGE SOMETIME IN XXXX. I AM RECEIVING COLLECTION /FORCLOSURE LETTERS/CALLS FROM PHH SINCE THAN . I ... | mortgage |
cfpb-5808441 | I have XXXX fraudulent charges on my account XXXX USPS {$250.00} XXXX USPS {$290.00} I mailed in a dispute letter on XX/XX/2022. I also called to dispute verbally on XX/XX/2022, XX/XX/2022 and XX/XX/2022.
They have not issued me a credit or responded to my letter as required by law. | credit_card |
cfpb-7051857 | Hey I was denied a credit extension through this company and by law they hall not refuse to extend a individual credit through them I know the underwriter making a deciding factor but it not a factor to Deny me a credit extension and that they are false advertising and misleading | vehicle_loan |
cfpb-4742379 | I had my car repossessed by Wells Fargo illegally in 2008. 2 years ago I received notice of the CPI settlement, and by the terms I am entitled to around $ XXXX. They have refused to communicate with me for almost 2 years now. When I call I get passed around, placed on hold forever, or hung up on. I have been told they ... | vehicle_loan |
cfpb-6464951 | Navient continues to call me using an auto-dialer even after advising them they do not have permission to call my cell phone with it. They are also harassing me with numerous calls a day.
They are calling from XXXX Here is a list of recent calls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX... | student_loan |
cfpb-7226317 | I have been trying since since the beginning of the year to get my payments lowered due to financial hardships and this company refuses. I communicate via phone and email and they would always say they havent talked to me when they have.
Now when i look on my credit report they are reporting twice under two different ... | vehicle_loan |
cfpb-6343573 | Bank of America owes me {$160.00}.
I had a credit balance of {$160.00} on my credit card.
On XX/XX/XXXX I requested a check.
Check never arrived.
On XX/XX/XXXX I requested the credit be put back on the card.
Credit was never put back on the card.
On XX/XX/XXXX I again requested the credit be put back on the card... | credit_card |
cfpb-7083631 | I got {$900.00} in Security deposit and {$900.00} a month rent from a client. She had paid rent until the moved out. I refunded the Security deposit to her in full and some portions of rent using cash app in XX/XX/2023. CASHAPP then reversed her rent payments and security deposit payments after she was already refunded... | money_transfer |
cfpb-7288765 | IN RVIEWING MY CREDIT FILE I FOUND A FEW ACCOUNT THAT I DO NOT RECOGNIZE AND NEED TO BE REMOVED FROM MY FILE. | debt_collection |
cfpb-5985482 | I input a complaint thru CFPB in regards to Selene Finance Company adjusting payments made to my mortgage that have not been applied. I opened a previous case regarding this issue and received a letter from the company stating that the payments will be adjusted in 60 days, that was in XX/XX/2022. Since I have not heard... | mortgage |
cfpb-7435334 | Chase XXXX my account down due to a 3rd party check. They refuse to send the remainder of the money left in my account. This is causing me a lot of stress & financially impacting my ability to take care of my family & pay rent. | bank_account |
cfpb-3571805 | I bought a charge card some months ago, after about a week or so ago. I tried putting money on the card and now I can not load money into the card and NetSpend is hanging up on me everytime I call. I can not receive the money I got from XXXX XXXX because NetSpend refuses to answer my calls or return my money from XXXX... | credit_card |
cfpb-3346672 | I mailed a cashier's check with principal payment only of $XXXX noted on the check with the account number at the end of XX/XX/XXXX. Wells Fargo claimed to have received the payment on XX/XX/19. They received my regular mortgage payment in their records on the XX/XX/XXXX; they applied only my mortgage payment and lef... | mortgage |
cfpb-6480365 | I have available funds on the card but when I go into a store to make a purchase it is DECLINED. I have contacted the phone number on the back of the card and it states that it has a XXXX balance. On XX/XX/2021 I had full benefits on the card and up to this date I have yet to be able to retrieve the funds or use the ca... | credit_card |
cfpb-5445246 | I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be tak... | credit_reporting |
cfpb-4336193 | I reached out to Venmo 4x in regards to my funds being unattainable and 2 out of 4 I was hung up on and received no help or reasons as to why I wasnt able to withdraw my funds from my own account. Ive sent multiple emails and all I get is the same automated message in return. | money_transfer |
cfpb-7306700 | I have not received my Indigo Mastercard replacement card. I been waiting over a month to receive my new Indigo Mastercard credit card with my credit limit of {$300.00} via U.S. Mail. I still havent received my Indigo Mastercard replacement card. I want Indigo Mastercard to send me my new replacement card. Full Name : ... | credit_card |
cfpb-5428357 | I hold a card.com account prepaid card. I made a dispute on a charge on my card on XX/XX/XXXX XXXX. They told me that my card was locked and under further review. My card has been locked for almost a month. I have called them numerous times asking them to turn on my card and they refuse to turn on my card I am a XXXX p... | credit_card |
cfpb-6087839 | I have sent emails to the fraud department at Bank of America on XXXX and XXXX regarding this fraudulent account. I contacted Bank of America today ( XXXX ) via phone and believe the account has been closed or is in process of being closed.
I have Frozen my credit information and opened disputes with XXXX, XXXX, and ... | credit_card |
cfpb-2912835 | XXXX XXXX PREVIOUSLY INFORMED ME THAT THEY ALLOWED A DATA BREACH OF MY XXXX XXXX CARD # XXXX XXXX XXXX XXXX AND THAT THEY HAD CANCELED THE CARD. THEY CONTINUE TO THREATEN ME WITH BILLS FOR CHARGES NOT MADE BY ME. I NO LONGER HAVE THE CARD. THEY REFUSE BY PHONE TO DISCUSS THE MATTER.
I WOULD LIKE THE CARD CANCELED AND... | credit_card |
cfpb-5770789 | I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX X... | credit_reporting |
cfpb-4167811 | On XX/XX/21 I checked my credit report for the first time in a very long time and it was brought to my because my score was so low that accounts had been opened in my name without my consent. I reached out to each credit bureau and they told me that I would have to get a police report to get it removed. I had a police ... | debt_collection |
cfpb-7285872 | Midland Credit management is reporting the same XXXX XXXX account that is in collections 3 different times one my credit report. They state that 2 accounts were opened in 2022. XXXX in XXXX and XXXX in XXXX. No new accounts were opened, they are reporting it multiple times to damage my credit rating further. | debt_collection |
cfpb-6840825 | on XXXX XXXX, saw a XXXX 2014 on sale for {$19000.00}. Made contact and person was representing his Aunt and directed us to XXXX and XXXX XXXX XXXX at XXXX. We communicated with the seller, XXXX and decided to purchase she had turned the sale over to XXXX XXXX at that time we were directed to wire transfer {>= $1,000,0... | money_transfer |
cfpb-7629208 | My car company US Auto Sales breached my contract after my car was payed off, now I have another debit collector acting as if Im behind on payments for a car thats paid off and I still havent received my title. | credit_reporting |
cfpb-5182952 | I applied for the XXXX over draft line of credit that I was pre approved for. I have a XXXX credit score and little debt and they decline me for no reason since I was pre approved for the over draft. I believe there was a XXXX component or my account has been flagged for some unknown reason. Either way I was discrimin... | personal_loan |
cfpb-6593514 | Mr cooper is collecting a debt not owed by XXXX XXXX by attempting to seize her property and mine that we hhave owned for over 15 years. They have provided NO VALIDATION NO VERIFICATION of DEBT, it is not owed by us the bank needs to collect from the debtors XXXX and XXXX XXXX XXXX for that debt that is not ours. Cease... | debt_collection |
cfpb-7807070 | I had loads of unauthorized transactions from XXXX as soon as i noticed them i called chime and let them know what was happening. This happened multiple times. Replaced my card and waited for bank to investigate. They denied my claims and when i asked they them why they sent me a list of the transactions i was disputi... | money_transfer |
cfpb-6784116 | Toyota Financial Servies has made countless mistakes with reporting on my credit report which violates FCRA regulations. There's two in particular one of which is when I traded in my XXXXXXXX XXXX for a XXXX XXXX. The next is when I traded in a vehicle from XXXX XXXX to Toyota Financial Services in XXXX. I would like a... | vehicle_loan |
cfpb-6143989 | I got scammed from XXXX XXXX from XXXX, TX and I didn't know he was from Texas and I wanted my {$1000.00} back he took from me without sharing information on what this is about and I reported this to the police and hopefully catch this jerk!!!!! | money_transfer |
cfpb-3725128 | I Was told my debt was paid and I saw a debt remove that wasnt the debt I owe then they fix the error and left me with the debt I already paid instead of taking it off | debt_collection |
cfpb-6444683 | Good morning, I currently have a Wells Fargo Auto loan. I was charged extra fees and I have had my car wrongfully reprocessed while having this loan. As I see, there is now action on Wells Fargos mistreatment of customers, I want to know how I will be repayed for all of the trouble I have gone through dealing with Well... | vehicle_loan |
cfpb-7122440 | I have 2 Fraud acct showing on my credit reports!! I called both a they said they don't know anything about it!! I need them to be removed ASAP!! Its fraud!! | personal_loan |
cfpb-7372677 | Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments.
I have requested that the reporting agencies... | credit_reporting |
cfpb-8091833 | They keep telling me its the interest of the loan for each month ... at this rate o will never get the car paid off | vehicle_loan |
cfpb-3791969 | I called my loan servicer several times last year attempting to set my account on automatic payments. I was told I was ok. 1 month later I noticed a late payment on my credit report. I have been fighting with them for 1 year to have this removed. This is absolutely ridiculous and negligent on there behalf. I have writt... | mortgage |
cfpb-6250892 | {$1000.00} was stolen from my account shortly after XXXX on Sunday XX/XX/XXXX. The thief created a XXXX account associated with my Fifth Third bank account in order to commit the theft. My phone was missing at the time of the transaction and I did not authorize the transaction. I discovered the transaction when I check... | money_transfer |
cfpb-3057660 | They keep sending me offers telling me I'm qualified and an offer number so I go online and apply and it states that I was approved for an amount providing I can provide the proper documentation which I can then everytime they turn around and say no I'm sorry we can't help you at this time. My main problem is not that ... | personal_loan |
cfpb-8173390 | 2022 in XXXX someone called posing as a bank of America representative said someone hacked XXXX from me and I needed to get on XXXX and need to transfer it out to recover it called from the number I had stored in my phone so thought was legit. I had called the bank XXXX days before ro tell them I had identity fraud so ... | bank_account |
cfpb-4040354 | I had a car lease with Hyunda. I had the car for 12 months - I went to sell the car ( what was remaining of the lease ) - I went to a used car dealer on XXXX XXXX in XXXX XXXX XXXX No Longer open ) and the dealer received a payoff from Hyunda verbally in which was inaccurate I found out after I sold the vehicle to the ... | vehicle_loan |
cfpb-7331789 | Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by ETH Node which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ). | money_transfer |
cfpb-7676994 | BMO bought my loan from Bank of the West and the roll over began in XX/XX/2023. I made my payment on the loan with BMO XX/XX/XXXX and XX/XX/XXXX my bank account was automatically withdrawn for another payment. I never signed up for automatic payments and I never used automatic payments with Bank of the West. XX/XX/XXXX... | personal_loan |
cfpb-6930052 | Twice before I missed the payment because the bill arrived in my mailbox the day the payment needed to be sent to allow for online 2-3 day delay. This happened again today XX/XX/2023. The bill is due on XX/XX/2023. The bill is postmarked XX/XX/2023. So they actually put the bill in the mail one week before it was due. | credit_card |
cfpb-5574660 | Our Mortgage service company LoanCare is delinquent in paying our flood and property insurance from escrow resulting in the policy being cancelled. We have called Loancare at least 4 times over the last 6 weeks and they have promised 3 times promised to overnight the payment to the Insurance company, but that has not b... | mortgage |
End of preview. Expand in Data Studio
CFPB complaint routing (short complaints, 9 products)
A small, balanced subset of the US CFPB Consumer Complaint Database, made for the lesson that builds kgptalkie/mini-clef. Each consumer complaint is labelled with one of 9 financial products. Every complaint is ≤ 200 tokens (Qwen 3.5 tokenizer), so a model can be trained in minutes on a laptop.
This is not new data. The rows are copied unchanged from
BEE-spoke-data/consumer-finance-complaints
(has-text split), filtered, balanced and mapped to 9 routes, so you don't have to download the 300 MB source file.
| Split | Rows | Per product |
|---|---|---|
| train | 2,700 | 300 each |
| validation | 270 | 30 each |
| test | 826 | 59–120 (see below) |
Columns
| Column | |
|---|---|
id |
cfpb-<Complaint ID> from the CFPB database |
complaint |
the consumer's narrative, as published (CFPB redacts personal details as XXXX) |
product |
one of the 9 routes below |
The 9 routes
product |
CFPB "Product" values mapped to it |
|---|---|
credit_reporting |
Credit reporting, credit repair services, or other personal consumer reports · Credit reporting or other personal consumer reports · Credit reporting |
debt_collection |
Debt collection |
credit_card |
Credit card or prepaid card · Credit card · Prepaid card |
bank_account |
Checking or savings account · Bank account or service |
mortgage |
Mortgage |
money_transfer |
Money transfer, virtual currency, or money service · Money transfers |
vehicle_loan |
Vehicle loan or lease |
student_loan |
Student loan |
personal_loan |
Payday loan, title loan, or personal loan · Payday loan, title loan, personal loan, or advance loan · Payday loan |
How it was built
- test = the complaints ≤ 200 tokens out of a fixed 1,800-complaint benchmark set (200 per product), the set the Laya decision model was scored on. That leaves 826, so the test split is not balanced.
- train / validation come from the same source with the test complaints removed (by id and by text) and duplicates dropped: complaints of 15–160 words and ≤ 200 tokens, shuffled with seed 7, then 330 per product (30 to validation).
Caveats
The product is chosen by the consumer who files the complaint, so some labels are wrong or ambiguous. A common case is a credit-card account disputed on a credit report. No model reaches 100 % on this data.
Licence
CC0-1.0, the same as the source. The CFPB publishes the database as public data.
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