Who was complaining inJanuary 2013?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
The CFPB complaint database holds 9,741 complaints received in January 2013, up 56% on the month before (6,238) and up 202% on the same month a year earlier (3,230).
“Mortgage” was the largest category with 5,931 complaints (60.9%). Responses recorded for the month: 75.8% closed with an explanation, 12.8% closed with non-monetary relief, 8.6% closed with monetary relief.
By product
- Mortgage5,931 · 60.9%
- Bank account or service1,233 · 12.7%
- Credit card1,162 · 11.9%
- Credit reporting911 · 9.4%
- Student loan265 · 2.7%
- All other categories239 · 2.5%
| Product (CFPB label) | Complaints | Share | Same month a year earlier |
|---|---|---|---|
| Mortgage | 5,931 | 60.9% | 2,063 |
| Bank account or service | 1,233 | 12.7% | 0 |
| Credit card | 1,162 | 11.9% | 1,167 |
| Credit reporting | 911 | 9.4% | 0 |
| Student loan | 265 | 2.7% | 0 |
| Consumer Loan | 239 | 2.5% | 0 |
Companies with the most complaints in the month, with their size
| Company (as named by the CFPB) | Complaints, Jan 2013 | Share | Company size |
|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | 2,377 | 24.4% | $2.65tn assets |
| WELLS FARGO & COMPANY | 1,310 | 13.4% | $1.92tn assets |
| JPMORGAN CHASE & CO. | 758 | 7.8% | $4.09tn assets |
| Ocwen Financial Corporation | 644 | 6.6% | no public measure |
| CITIBANK, N.A. | 547 | 5.6% | $1.98tn assets |
| Experian Information Solutions Inc. | 366 | 3.8% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 319 | 3.3% | $662bn assets |
| EQUIFAX, INC. | 271 | 2.8% | no public measure |
| NATIONSTAR MORTGAGE LLC | 243 | 2.5% | 152,781 HMDA records |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 230 | 2.4% | no public measure |
| U.S. BANCORP | 182 | 1.9% | $706bn assets |
| PNC Bank N.A. | 167 | 1.7% | $610bn assets |
| HSBC NORTH AMERICA HOLDINGS INC. | 150 | 1.5% | $173bn assets |
| SYNCHRONY FINANCIAL | 125 | 1.3% | $115bn assets |
| SUNTRUST BANKS, INC. | 119 | 1.2% | no public measure |
| Navient Solutions, LLC. | 108 | 1.1% | no public measure |
| Ditech Financial LLC | 99 | 1% | no public measure |
| AMERICAN EXPRESS COMPANY | 97 | 1% | $214bn assets |
| TD BANK US HOLDING COMPANY | 82 | 0.8% | $375bn assets |
| DISCOVER BANK | 77 | 0.8% | no public measure |
| All other companies, including those not listed by name | 1,470 | 15.1% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 12 of the 20 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation7,386 · 75.8%
- Closed with non-monetary relief1,245 · 12.8%
- Closed with monetary relief842 · 8.6%
- Closed265 · 2.7%
- All other categories3 · <0.1%
By state
| State | Complaints | Per 100,000 residents | Month report |
|---|---|---|---|
| California | 1,641 | 4.20 | — |
| Florida | 895 | 3.80 | — |
| New York | 665 | 3.30 | — |
| Georgia | 550 | 4.90 | — |
| Texas | 506 | 1.60 | — |
| New Jersey | 426 | 4.50 | — |
| Maryland | 380 | 6.10 | — |
| Illinois | 369 | 2.90 | — |
| Ohio | 309 | 2.60 | — |
| North Carolina | 307 | 2.70 | — |
| Pennsylvania | 306 | 2.30 | — |
| Virginia | 266 | 3.00 | — |
| Michigan | 264 | 2.60 | — |
| Massachusetts | 229 | 3.20 | — |
| Arizona | 226 | 3.00 | — |
| Washington | 190 | 2.40 | — |
| Colorado | 160 | 2.70 | — |
| Connecticut | 147 | 4.00 | — |
| Missouri | 143 | 2.30 | — |
| Tennessee | 142 | 1.90 | — |
The 20 states with the most complaints in the month. Counts follow population.
Questions and answers
How many complaints did the CFPB receive in January 2013?
9,741. The same month a year earlier: 3,230.
Which product categories drew the most complaints?
“Mortgage” (5,931), “Bank account or service” (1,233), “Credit card” (1,162), “Credit reporting” (911).
Can the month still change?
Yes. A complaint appears in the public file once the company responds or after 15 days, and the CFPB updates the file daily, so counts for recent months rise for a few weeks and response categories move from “In progress” to a closing category.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.