vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
My card was declined at the store. I then called and asked if my card was blocked for any reason, they said no. I said, are you sure because my card got declined? She said no, but I can transfer you to the XXXX department to make sure that it's not blocked. I said ok, she transferred me and also verified that my card was not blocked. I let them know that my rent was due. And was coming up, so I need to make sure this card is open and available for it to be charged. They again assured me my card was fine. Days later, after traveling, I come home to a letter on my door saying that my rent was late.And my card was declined. I called the bank to find out why and they said that my card was blocked and that they were going to unblock it. I said that's weird because I called the week ago and they told me my card was not blocked and she said no. You were told your card was blocked and I said, no, why would I leave it blocked? Knowing that my rent was coming through anyway. After all of this, I got charged in extra {$300.00} by my landlord. For being late and for my card being declined, the bank is saying that they do not have any negligence in this and will not pay me XXXX XXXX dollars.That I am due

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION
State: WA

Complaint narrative:
* * Complaint Regarding Check Hold and Account Restriction Banner Bank * * I am filing a complaint regarding the handling of a check deposit and account restriction by * * Banner Bank * *. On XXXX/26 I deposited XXXX checks into my account totaling approximately {$3100.00} ( XXXX check for {$1500.00} and XXXX check for approximately {$1600.00} ). Both checks were written by the same individual and drawn from the same bank. At the time of the deposit, I was informed that the funds would be held temporarily and would become available within approximately XXXX business days due to a fraud verification process. I accepted this explanation and waited for the stated hold period. Two days prior to the end of the hold period, I contacted the bank again and was told that the funds would be released on the seventh business day. However, when I contacted the bank again on the seventh business day ( XXXX ), I was informed that the bank would continue holding the funds until next week. No specific release date was provided, and no clear explanation was given for the extension of the hold. The bank has also restricted my account during this time. I am concerned because : * The bank originally stated the hold would last XXXX business days. * On the seventh business day, the funds were not released. * The bank has now extended the hold without providing a clear reason or a specific date when the funds will be available. Under the funds availability rules established under * * Regulation CC * *, banks are required to provide clear notice regarding extended holds and the specific date when funds will be available. I am requesting assistance to determine : 1. Whether the bank is complying with federal funds availability regulations. 2. The reason the hold was extended beyond the originally stated timeframe. 3. The exact date my funds will be released and my account restriction lifted. I would appreciate the bank providing a clear explanation and resolving this matter as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Today on XXXX at XXXX XXXX I attempted to pay my mortgage through the website, but it was not functioning. It gave me several error messages. See attached. I then made the payment through the automated phone system, which stated the payment was accepted but did not provide a confirmation number. Basically without that number, I have absolutely no paper trail that the payment was made. I tried sending an email but they have no email address listed on their website. I tried sending it through the contact us page but that page wasn't working either. I tried calling but they just route to an AI assistant rather than a human to try to resolve my issue.

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 2026-03-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, the Honorable XXXX XXXX XXXX of the XXXX XXXX XXXX for XXXX XXXX, Michigan granted, among other assets, 100 % of the remaining CD held at Chase bank which these details are laid out in the Default Judgement of Divorce. Since this time, my attorney team and I have made numerous attempts to connect and work with Chase to honor the terms of the judgement. After hours and numerous attempts, their legal department tells us they do not handle the transfer of assets, therefore, we need to speak directly to my local Chase branch. The local branch manager of the XXXX XXXX Chase bank in XXXX XXXX, Mi, XXXX XXXX, has proven to be un corporative, unpleasant, and uncaring. She has told us the branch has nothing to do with the transfer of funds ; we need to be speaking to the legal department. XXXX XXXX went as far as to call me on Tuesday, XX/XX/XXXX, saying if I wanted my assets, I needed to sue my ex-husband for them and that she will no longer welcome communication from either myself of my legal team. It has now 2 months that we have diligently attempted to work with Chase, in the meantime, the CD matured on XX/XX/year>. Chase allowed my ex-husband to withdrawal XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
o Whom It May Concern, I am writing to dispute several items on my credit report. These accounts contain information that appears inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of the following accounts : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX CREDIT COLLECTION SERVIC Account Number : XXXX Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), furnishers of information have a duty to report accurate information and to conduct a proper investigation when a dispute is submitted. Because the above accounts contain information that is inaccurate or can not be verified, I request that these items be investigated and either corrected or removed from my credit file. Please provide the following as part of your investigation : Documentation verifying the accuracy of the account The original contract or agreement bearing my signature Verification of the date of first delinquency Proof that the furnisher has complied with FCRA reporting requirements If the information can not be verified, the FCRA requires that it be deleted from my credit report. Please send me written confirmation of the results of your investigation along with an updated copy of my credit report. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a {$200.00} restaurant stored value card from a restaurant named XXXX XXXX on XX/XX/XXXX. The transaction was completed successfully, and I received confirmation/receipt of the credit. However, approximately 2 weeks later, on XX/XX/XXXX, XXXX XXXX permanently closed without providing any notice to customers and without offering refunds. As a result, the purchased restaurant stored value card became completely unusable, through no fault of my own. I actually DID NOT receive the service I purchased. As of XX/XX/XXXX, the store remains closed. To my knowledge, a considerable number of customers had prepaid cards with this restaurant. Some even paid over {$1000.00}. It's noteworthy that the business only opened at the end of XX/XX/XXXX, then closed after just one month, remaining closed for four months to date, which gives me reason to suspect this is a fraudulent activity. The business 's aim may be to defraud consumers of their prepaid deposits. I contacted the merchant first. And they didn't pick up my phone call. Later their telephone number became invalid. I contacted the USBank to dispute the transaction and get the refund. But USBank refused to support my request, and closed the dispute request.

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 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account was restricted based on what they called fraud. Transaction, origin and amount was provided and account still got flagged. Now account is in a restricted status which means it cant be used or rewards points accessed. Capital one requested govt issued ID for Identity verification. Provided multiple clear images and all were rejected claiming part of the bar code on the back had been erased. Only alternative is another govt ID ( which I do not have ) or go and get a new drivers license because they cant read mine. Im done with their security and just want my rewards points Ive accumulated over the last decade of credit card use and they will not release them with my account being restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My account was closed by citi and my remaining balance was frozen. I was told that I need to wait for XX/XX/XXXX days to receive a check. I understand that's just Citi 's policy. However, it has been XX/XX/XXXX months, and I still haven't received any check. I called Citi and was told that they can't see any remaining funds. So my money is gone? Banking with Citi has been nothing but nightmares. I need my money back. Please let me know where my money is. My account number is : 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 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Moore Law Group
State: FL

Complaint narrative:
I received the letter of intent to XXXX, luckily because my parents live in the house still and were able to send it to me. As far as I know, a XXXX has not been filed although that was not clear form the rent collectors end, I called the to set up a payment plan and I told them that I could only afford {$100.00} or less a month and they kept pressuring me into more and more money. I eventually got them to agree to {$100.00} a month supposed to be starting on XXXX XXXX, 2026. They said I would receive a document discussing the payment plan and that I had to sign and send it back within 7 days of receipt. Upon receipt, I noted that section XXXX contained a predatory stipulation that required forced arbitration in the event of default in order to receive the payment plan. Upon noticing this, I reached out to the person who emailed me their document and asked for that section to be removed. Even though this persons officially titled the email negotiator at the bottom of the email, she informed me I would have to call about my inquiry. I politely responded that I would not have time that day or in the coming days due to my work schedule ( XXXX during most business hours and on XXXX hour shifts ), and asked if there was any way to negotiate over email because the signing is time sensitive, and never received a response. I then have continued to try and follow up XXXX times and have not received a single response. Its clear they want the time to expire so they can go ahead with the XXXX, when Ive made a clear effort to reach out to them to try and resolve this in a timely manner. This is predatory and unethical, as I was fully willing to pay them the money they say I owe, just in a way that is sustainable for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am extremely frustrated and disappointed with the way my situation has been handled by Wells Fargo. I trusted this bank to properly manage my account and protect my money, but instead I have been put through weeks of stress, confusion, and inconvenience because of the way this issue was handled. The situation began when Wells Fargo allowed my rent payment to be charged twice from my account. This was not a small mistake. Rent is a large and important payment, and having it taken out twice created serious financial strain for me. As soon as I noticed the duplicate charge, I immediately contacted Wells Fargo to have the issue corrected. I specifically requested that a stop payment be placed so the duplicate charge would not go through. Instead of properly following that request, the bank chose to open a claim on the transaction instead. During this process, I spoke with multiple representatives who repeatedly assured me that my account was fine and that everything had been handled correctly. Based on what I was told by Wells Fargo staff, I believed the issue had been resolved and that my account was in good standing. I relied on the information your employees gave me. Then, three weeks later, without any warning, explanation, or communication, Wells Fargo suddenly closed my account. I was not notified ahead of time, and no one could give me a clear reason why this drastic action was taken. This is completely unacceptable. Not only did Wells Fargo cause the original issue by allowing a duplicate charge to happen, but after I followed the proper steps to address it, I was the one who ended up being penalized. Closing a customers bank account without providing a clear explanationespecially after repeatedly assuring that customer everything was fineshows a serious lack of accountability and customer care. This situation has caused unnecessary stress, inconvenience, and has disrupted my finances. A bank should be helping customers resolve issues, not creating more problems and then shutting them out without explanation. I am requesting a full explanation as to why my account was closed, especially after I was told multiple times that my account was in good standing. I also want confirmation that the duplicate charge issue was properly investigated and corrected. At this point, I feel like I have been treated unfairly and without transparency. This entire experience has been incredibly disappointing, and I expect Wells Fargo to provide answers and take responsibility for the way this situation has been handled.

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 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi
State: TX

Complaint narrative:
o Whom It May Concern, I am writing to dispute several items on my credit report. These accounts contain information that appears inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting a reinvestigation of the following accounts : DIGNIFI Account Number : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX Under XXXX U.S.C. XXXX ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. Additionally, under XXXX XXXX. XXXX ( a ) and XXXX ( b ), furnishers of information have a duty to report accurate information and to conduct a proper investigation when a dispute is submitted. Because the above accounts contain information that is inaccurate or can not be verified, I request that these items be investigated and either corrected or removed from my credit file. Please provide the following as part of your investigation : Documentation verifying the accuracy of the account The original contract or agreement bearing my signature Verification of the date of first delinquency Proof that the furnisher has complied with FCRA reporting requirements If the information can not be verified, the FCRA requires that it be deleted from my credit report. Please send me written confirmation of the results of your investigation along with an updated copy of my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
THIS ACCOUNT VIOLATES METRO2 BY REPORTING BOTH A CHARGE OFF STATUS AND PASTDUE PLEASE REMOVE ITS INACCORDANCE WITH FCRA AND METRO2 GUIDELINES.THIS COMPANY IS VIOLATING MY RIGHT THEY HAVE NOT PROVIDE VALIDATION INFORMATION UNDER 12 CFR 1006.34 ( b ) ( 5 ) YET THEY HAVE PLACED A COLLECTION ON MY COMSUMER REPORT

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 2026-03-08 00:00:00
Product: Mortgage — FHA 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: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I AM A XXXX PERSON AND MY CURRENT MORTGAGE COMPANY IS PENNYMAC. MY SOCIAL SECURITY XXXX MONTHLY PAYMENT IS ON THE XXXX WEEK OF EACH MONTH. ON XX/XX/XXXX OF XXXX I DID NOT RECEIVED MY MONTHLY PAYMENT DUE TO A DELAYED. I KNEW I WASN'T ABLE TO PAY MY XXXX MORTGAGE PAYMENT SO I DECIDED TO CALL PENNYMAC AND HOPEFULLY GET A DEFER PAYMENT OR A PAYMENT ARREAMENT JUST FOR THAT MONTH. I CALLED PENNYMAC XXXX XXXX ON XX/XX/XXXX AND SPOKE WITH XXXX XXXX AND HE TRANSFERED ME TO XXXX BECAUSE HE DID NOT WORK IN THAT DEPT. XXXX DID NOT OFFER ANY HELP, HE JUST TOLD ME TO OBTAIN HELP FROM THE GOVERNMENT WHICH I DID NOT WANT TO DO DUE TO ONLY BE XXXX MONTH. I WAS HOPING FOR MY MORTGAGE TO HELP. I CONTINUED MAKING MY PAYMENTS BUT I WAS GETTING CHARGED LATE FEES. ON XX/XX/XXXX I MADE A PAYMENT OF {$2600.00} BY MONEY ORDERS AND ON XX/XX/XXXX I MADE ANOTHER PAYMENT OF XXXX HOPING THAT WILL COVER THE MONTH I WAS BEHIND.COPY OF BANK STATEMENT ENCLOSED. ON XXXX XX/XX/XXXX I CALLED PENNYMAC AGAIN AND SPOKE TO XXXX XXXX TO REVIEWED MY PAYMENT HISTORY AND TRIED TO UNDERSTAND MY PAYMENTS BECAUSE I MADE THE EXTRA PAYMENT. SHE WAS VERY RUDE AND BASICALLY TOLD ME JUST PAY. I MADE A COMPLAINT ONLINE, ON PENNYMAC PORTAL WHERE I INCLUDED A COPY OF MY BANK STATEMENT WHERE CLEARLY SHOWS THE CLEARED PAYMENTS TO PENNYMAC. SHE REFUSED TO ACCEPT MY BANK STATEMENT SO I SENT IT BY PORTAL. NO MATTER HOW MANY TIMES I CALLED TO OBTAIN HELP DUE TO ME BEING IN A XXXX XXXX AND NOT ABLE TO PAY THE MONTH I AM SUPPOSED TO BE BEHIND, THEY DON'T OFFER ANY TYPE OF HELP. I JUST ASKED TO DEFER XXXX PAYMENT OR ANY PAYMENT ARRANGEMENT. THEY ARE VERY FRIENDLY WITH PEOPLE WITH XXXX OR HAVE ANY EMPATHY. I AM PRETTY SURE I AM UP TO DATE WITH MY MORTGAGE AND NOT SURE WHAT IS GOING ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I had XXXX deposited into my savings account with sofi bank the bank made thousands of dollars worth of unauthorized transactions to a stock account and would not take responsibility for the money being moved nor did they refund the money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management is reporting and attempting to collect a {$67.00} collection account allegedly related to XXXX XXXX XXXX XXXX. I disputed this account and requested proper debt validation. Instead of providing lawful validation, Credence continues to send the same single billing invoice. A billing invoice does not constitute proper validation for a third-party debt collector. The documentation provided fails to include : Proof that I am the correct consumer responsible for the alleged account Any contract or service agreement showing I agreed to the debt Documentation showing Credence Resource Management has legal authority or assignment from the creditor to collect the account Documentation supporting their authority to furnish this account to consumer reporting agencies A full itemized accounting showing how the balance was calculated Credence also claims they mailed an initial validation notice before reporting the account. I never received such notice, and they have provided no proof of mailing or delivery. Despite multiple disputes, Credence continues to rely on the same invoice while reporting the account to credit bureaus. This conduct raises concerns regarding compliance with FDCPA 809, FCRA 607 ( b ), FCRA 611, and Metro 2 reporting standards, which require accurate and properly verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I have attempted open communication with the creditor and they refused to work a payment that I can afford XXXX have repeatedly been texting me even after I reached out to try to settle the debt by a payment that was in my budget but they refused any desire to work with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief