vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Improper investigation and violation of federal regulation E on my XX/XX/XXXX claim and present cfpb complaints i have filed over XXXX complaints.the bank provided me with journal logs showing code XXXX malfunction but still is refusing to credit my account or review surveillance footage. This is a willful violation of my consumer rights under 12 C.F.R 1005.11. It has now been XXXX months code XXXX is evidence that the bills never reached the main cassette. If they check internal transport and reject or diversion bins im sure this would have been resolved. Code XXXX is a documented mechanical failure during the time of my deposit their prior investigations are unreasonable under regulation e because they ignore mechanical proof and the {$0.00} placeholder receipt. The system also timed out which would cause the transaction to not show. There is documented proof of the mechanical error denying my claim despite this proof constitutes a failure to conduct a reasonable investigation under 12C.F.R 1005.11 REGULATION E. My claim is for XXXX $ XXXX received XXXX $ this last time after XXXX or more complaints now I would like the remaining XXXX $ The customer behavioral data show XXXX deposits in the transaction log i talked to XXXX the resolution manager he told me there was not a reason to file another complaint and he was disrespectful and hung up after I told him I wanted my remaining deposit as it has been XXXX months of denials leading up to this resolution of XXXX XXXX XXXX also thought i deposited checks and this was a cash deposit.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against Truist Bank regarding an account hold/restriction that was placed on my checking account without proper notice or explanation. I received a back pay check from my former employer, XXXX. The first check was originally mailed to my old address. Because my address had changed, a new replacement check was issued and mailed to my current address. Before I realized what happened, I later received the original check from my old address and mistakenly believed it was the valid replacement check. I deposited that check into my Truist account without knowing it had already been voided and replaced. The next day, I received the actual replacement check in the mail and immediately realized the mistake. I contacted Truist customer service right away to explain the situation. The representative instructed me to contact XXXX and request that they stop payment on the voided check, which I did immediately. Shortly afterward, I discovered that Truist had placed my account on hold/restricted my access to my funds. I was never provided with a clear explanation, written notice, or timeline regarding the restriction. I then visited a Truist branch in person with the replacement check and explained the entire situation to a bank employee. The employee scanned the replacement check and informed me that someone would follow up with me. However, I still have not received a meaningful update or resolution. I was paid through direct deposit on XX/XX/year>, but I can not access my legitimate payroll funds because of this restriction. As a result, I have been unable to pay essential bills, including : * Phone bill * Car payment * Insurance * Groceries and daily living expenses I voluntarily reported the issue to the bank myself as soon as I realized the mistake and fully cooperated with both Truist and XXXX. At no point did I attempt to commit fraud or intentionally deposit a voided check. I believe Truist has improperly restricted my account and failed to provide proper communication regarding the hold. I am requesting that Truist : XXXX. Immediately review and release my legitimate funds XXXX. Provide a written explanation for the account restriction XXXX. Provide documentation regarding any hold placed on my account XXXX. Reimburse any fees or damages caused by the restriction, including late fees or financial hardship resulting from lack of access to my money I am requesting assistance from the CFPB to help resolve this matter as quickly as possible.

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 non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
I have twice requested Military Star apply the Louisiana SCRA law to my account and my wife 's ( XXXX XXXX ) accounts. We provided a copy of the law, a request, and a copy of my orders showing my wife was included. Military Star denied our requests stating that the LA law does not apply. Louisiana Statute Title 29:312 clearly applies to charge cards.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I first sat with a banker and inquired what I needed to change my name on my accounts as I had gotten married. He said old license and new one would be fine. I came back when I had both. Was told I had to have my new social. Ok fine. I bring it back. I get told then they need my bank card they can not access my account. Ok fine. I bring it all in they tell me I can make an appointment they cant help me. Then continue to be rude and unkind through the entire process. The banker was aggressive and should not be in customer service. This is discrimination against me and racism. They had time to help other customers in front of me immediately I heard the banker say no its ok you dont need an appointment come on back to the guy in front of me who needed to be seen. But I can sit in there and wait XXXX hours or come back another day. This bank is unprofessional & I no longer feel comfortable banking here due to their discrimination.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
This is fraud on this account. I dont know anything about this account

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: TX

Complaint narrative:
I noticed my XXXX account was saying that I had a balance on a different account of {$120.00} to contact customer service. Whenever I contacted them, they basically were telling me that it is my name, my date of birth, and my Social Security number attached to the account however, it shows a different email, phone number, and address that they wouldnt disclose. They told me that they couldnt dispute it or close it because it looks like theyre paying towards the debt with a debt collector called XXXX and then I needed to contact them. So I contacted XXXX and they told me relatively the same thing but they gave me all the information for the person that was using my personal information for an XXXX back in XX/XX/year>. They also recommended that I reach out to credit bureaus as well as submitting a report for identity theft. Im still waiting on disputes from the credit bureaus. I also contacted the number that was given to me from XXXX and it turns out it was the suspect sister that told me that she had the same name as me same birthdate except for a different year and confirm the email address. She also claims that the sister passed away but submitted no identification and states that shes talking with somebody about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This inaccurate collection account is unfairly damaging my credit and making it extremely difficult for me to secure stable housing and provide a safe home for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XXXX, XXXX, I enjoined Synchrony Bank to assist me in a dispute with XXXX XXXX in Virginia, because they financed the purchase through PayPal credit. I provided the bank with a 14-page document consisting of payment records, emails, and phone records concerning the shipment and finally requesting a refund. On three occasions the bank sided with the Vendor and offered no evidence of having conducted an investigation. On XX/XX/2026 they said the " service or merchandise was received by you and delivery was confirmed ''. ( No documentation provided ) On XX/XX/2026 they said " The transaction is charged when the order is placed, rather than when it is delivered... please contact the merchant ''. ( The issue was never when a transaction should be charged it was that a refund were not returned when the transaction soured ). On XX/XX/2026, they said '' We have recieved no proof that a credit is due on the account from you and or the merchant ''. ( What I presented was evidence, they decided that proof was needed ). The bank has decided that the vendor is to be protected and the consumer is to be rejected.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: AZ

Complaint narrative:
I went to a store on XX/XX/XXXX to attempt to transfer money from my us direct express card to my XXXX card. First attempt was denied so I called XXXX XXXX they said try again, so I did. that didn't work either. I went home angry but had no idea what was bout to happen on the XXXX of XXXX. they took {$600.00} from my account and gave to XXXX. I have disputed the failed transaction and even got paperwork from XXXX showing it was a huge mistake and us XXXX XXXX wont give the money back., my complaint number with us XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
A deposit was made into my Savings account for {$17000.00} on XX/XX/year> .. I returned to Wells Fargo XXXX XX/XX/year> to withdraw {$6000.00} .. While I waited for the remaining {$11000.00} to post to my account, I transferred money back-and-forth from my savings account to my checking account .. When I make transfers through the app, they are instantly applied and deducted from each accountThe remaining balance was taking an unusually long amount of time to post to my account so I went to the bank to file a complaint.. When it finally posted it to my account, the transfers that I had made, and were already completed were wrongly deleted from my balance .. The dates that show in my account for my transfers are not accurate I called Wells Fargo to discuss the difference in the dates that I had logged, and the dates that they posted on my account to make it look like my transfers were done after the {$11000.00} was posted to my account .. It was concerning to me that when I called the bank, they did nothing to verify my accountno security questions, no verifying my account number, the last 4 of my SSN .. nothing .. I believe that Wells Fargo stole money from my Savings account, and I would greatly appreciate your help investigating this matter .. 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 2026-05-27 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I successfully completed all terms of a 90-day Trial Period Plan ( TPP ) instructed by Shellpoint, including making all escalated trial payments on time and executing all required documentation via Shellpoints designated online notary system. Despite full compliance on my end and explicit, documented assurances from my Shellpoint Account Manager that " everything was fine, '' my application was denied at the final hour due to an alleged paperwork defect on Shellpoint 's part. I require Shellpoint to take immediate accountability for this operational mishandling, halt all foreclosure activity, and honor the permanent loan modification.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, my company sent an ACH payment for just over {$5700.00} USD from their bank, XXXX in XXXX, to my account at TD Bank - US. Funds were supposed to post on XX/XX/XXXX. These funds are for reimbursing travel expenses from my employer, a process which has worked for the past 6 years with no issues. On XX/XX/XXXX, I inquired with my company first, that the ACH went through, XXXX XXXX provided information that it had, was not rejected and provided a ACH tracking number. I then called TD bank, eventually was told, yes its here, but its on hold and we can not tell you why. I escalated the claim, spoke to a manager, no better result. I asked to escalate the claim, had to wait three business days, or 6 human days, for them to call me back, with no new information. On XX/XX/XXXX I went to my local branch gave them the case number, they called, and received the same information, do not know why the funds are being held, but they are- too bad for you. Took it upon myself to start emailing executives at TD Bank, including XXXX XXXX, Regional President at TD Bank, who to his credit replied fairly quickly and promised to escalate the matter. XXXX 's contact has called and shared with me that there is some process change at TD, but they were really sketchy on details ; but again, I'm still out over {$5700.00}. As of this writing, I still do not have my money, which seems to be a clear violation of Regulation CC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid {$5200.00} over two months for an XXXX in XXXX New York that was advertised as a legal private accommodation. The unit was an illegal cellar conversion a single basement divided by drywall into two units with no Certificate of Occupancy, no proper egress, and no fire rated separation. This violates XXXX XXXX XXXX and NY Multiple Dwelling Law. The unit flooded through an unapproved uninspected shower drain a direct result of the illegal conversion having no permits or inspections. I was never informed I was renting an illegal cellar or sharing a divided basement with another family. XXXX has refunded only {$320.00} for unused days. The remaining {$4900.00} represents two months of payments for an illegal misrepresented dwelling. I filed a dispute with Wells Fargo. Agent XXXX denied my provisional credit request without legal justification and attempted to close my claim describing it only as a flooding issue. Under EFTA Wells Fargo is required to provisionally credit my account within 10 business days. They have failed to do so. I have filed complaints with the NY State Attorney General and am currently homeless and displaced

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This inaccurate collection account is unfairly damaging my credit and making it extremely difficult for me to secure stable housing and provide a safe home for myself and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been a Wells Fargo customer for over 14 years. Theyve been failing me every time. On XX/XX/XXXX when I get home from work and I see my checking account was negative and I see some chargers from XXXX XXXX and I looked even more. There was more charges from XXXX XXXX. Couple of these transactions were even from last year. I couldnt believe it. I called the bank right away and I stopped the card. Ive been calling them almost every other day regarding the fraud and now theyre telling me since its more than 60 days we cant help you with those funds. They took over {$1400.00} from me. I work almost every day. I cant always check my transactions 24 seven and the bank didnt notify me about any of these charges. They did not provide temporary credit. Financially, its truly affecting me. I dont feel safe, keeping my money with WellsFargo. Please help me out.

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 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently discovered that XXXX XXXX XXXX reported and/or accessed my consumer credit information without my written authorization or permissible purpose as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I never knowingly provided written consent authorizing XXXX XXXX XXXX to obtain, furnish, or use my personal consumer information. Despite this, the account and/or inquiry appeared on my credit report. I requested validation and proof of authorization, including any signed application, contract, or written consent bearing my signature, but this information has not been properly provided. I am requesting a full investigation into this matter and immediate removal of any unauthorized inquiries, accounts, or reporting associated with XXXX XXXX XXXX that can not be verified with proper documentation and permissible purpose under federal law. This inaccurate and unauthorized reporting has negatively impacted my credit profile and lending opportunities.

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 non-monetary relief