Who was complaining inDecember 2014?
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 11,658 complaints received in December 2014, up 4% on the month before (11,242) and up 23% on the same month a year earlier (9,474).
“Mortgage” was the largest category with 3,013 complaints (25.8%). Responses recorded for the month: 78.7% closed with an explanation, 12.1% closed with non-monetary relief, 6% closed with monetary relief.
By product
- Mortgage3,013 · 25.8%
- Debt collection2,953 · 25.3%
- Credit reporting2,190 · 18.8%
- Bank account or service1,137 · 9.8%
- Credit card1,103 · 9.5%
- All other categories1,262 · 10.8%
| Product (CFPB label) | Complaints | Share | Same month a year earlier |
|---|---|---|---|
| Mortgage | 3,013 | 25.8% | 2,860 |
| Debt collection | 2,953 | 25.3% | 2,431 |
| Credit reporting | 2,190 | 18.8% | 1,297 |
| Bank account or service | 1,137 | 9.8% | 1,078 |
| Credit card | 1,103 | 9.5% | 1,002 |
| Consumer Loan | 583 | 5% | 305 |
| Student loan | 340 | 2.9% | 303 |
| Payday loan | 146 | 1.3% | 107 |
| Money transfers | 109 | 0.9% | 91 |
| Prepaid card | 71 | 0.6% | 0 |
| Other financial service | 13 | 0.1% | 0 |
Companies with the most complaints in the month, with their size
| Company (as named by the CFPB) | Complaints, Dec 2014 | Share | Company size |
|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | 760 | 6.5% | $2.65tn assets |
| EQUIFAX, INC. | 755 | 6.5% | no public measure |
| Experian Information Solutions Inc. | 708 | 6.1% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 629 | 5.4% | no public measure |
| WELLS FARGO & COMPANY | 601 | 5.2% | $1.92tn assets |
| JPMORGAN CHASE & CO. | 544 | 4.7% | $4.09tn assets |
| Ocwen Financial Corporation | 413 | 3.5% | no public measure |
| CITIBANK, N.A. | 404 | 3.5% | $1.98tn assets |
| NATIONSTAR MORTGAGE LLC | 358 | 3.1% | 152,781 HMDA records |
| CAPITAL ONE FINANCIAL CORPORATION | 253 | 2.2% | $662bn assets |
| U.S. BANCORP | 204 | 1.7% | $706bn assets |
| Navient Solutions, LLC. | 182 | 1.6% | no public measure |
| SYNCHRONY FINANCIAL | 176 | 1.5% | $115bn assets |
| Ditech Financial LLC | 176 | 1.5% | no public measure |
| ENCORE CAPITAL GROUP INC. | 157 | 1.3% | no public measure |
| AMERICAN EXPRESS COMPANY | 130 | 1.1% | $214bn assets |
| PNC Bank N.A. | 128 | 1.1% | $610bn assets |
| SELECT PORTFOLIO SERVICING, INC. | 117 | 1% | no public measure |
| TD BANK US HOLDING COMPANY | 108 | 0.9% | $375bn assets |
| HSBC NORTH AMERICA HOLDINGS INC. | 104 | 0.9% | $173bn assets |
| All other companies, including those not listed by name | 4,751 | 40.8% | — |
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 explanation9,179 · 78.7%
- Closed with non-monetary relief1,405 · 12.1%
- Closed with monetary relief701 · 6%
- Closed322 · 2.8%
- All other categories51 · 0.4%
By state
| State | Complaints | Per 100,000 residents | Month report |
|---|---|---|---|
| California | 1,632 | 4.10 | — |
| Texas | 1,117 | 3.50 | — |
| Florida | 1,114 | 4.70 | — |
| New York | 747 | 3.70 | — |
| Georgia | 525 | 4.60 | — |
| New Jersey | 464 | 4.90 | — |
| Illinois | 436 | 3.40 | — |
| Pennsylvania | 425 | 3.30 | — |
| Virginia | 389 | 4.40 | — |
| Ohio | 356 | 3.00 | — |
| Maryland | 351 | 5.60 | — |
| North Carolina | 295 | 2.60 | — |
| Michigan | 295 | 2.90 | — |
| Washington | 235 | 2.90 | — |
| Arizona | 221 | 2.90 | — |
| Massachusetts | 205 | 2.90 | — |
| Tennessee | 190 | 2.60 | — |
| Colorado | 180 | 3.00 | — |
| Nevada | 166 | 5.10 | — |
| Alabama | 150 | 2.90 | — |
The 20 states with the most complaints in the month. Counts follow population.
Questions and answers
How many complaints did the CFPB receive in December 2014?
11,658. The same month a year earlier: 9,474.
Which product categories drew the most complaints?
“Mortgage” (3,013), “Debt collection” (2,953), “Credit reporting” (2,190), “Bank account or service” (1,137).
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.