vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint against Truist for the improper freezing of my funds ( {$5100.00} ). 

Proof of Funds : I received a bank statement dated XX/XX/XXXX showing a positive balance of {$5100.00}. 

Refusal to Release : Despite this statement, the bank refuses to let me withdraw my own money. They claim the account is frozen ( {$990.00} XXXX negative code ) due to a XXXX XXXX XXXX XXXX order from XX/XX/XXXX. 

No Active Order : I have verified with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC ) that there is NO active civil judgment or forfeiture order against me or this account. The Federal case they refer to was declined/dropped in XXXX. 

Bank Error : The bank is holding my funds based on an expired, XXXX warrant that was never finalized. They can not produce a current legal order justifying this freeze.

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 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding repeated and inaccurate escrow analyses performed by my mortgage servicer, Newrez LLC. 
I switched homeowners insurance to a significantly lower-cost policy, yet my escrow payment has increased and the servicer continues to report a large and growing escrow shortage that does not align with the actual numbers. 

Here are the relevant facts : Prior homeowners insurance premium paid from escrow : {$3900.00} XXXX received the refund directly from the insurer New policy premium : {$2500.00} On XX/XX/XXXX, I made an escrow-only payment of {$2500.00} to cover the new premium Therefore, the maximum possible difference from the prior year should only be approximately {$1400.00} Despite this, Newrez has repeatedly calculated shortages exceeding {$3700.00} and has increased my monthly payment multiple times, even though my annual insurance cost decreased by nearly half. 

I requested : escrow analyses supervisor review and a full escrow ledger However, each new analysis appears to compound the shortage rather than correctly credit my escrow-only payment and lower insurance premium. 
Based on the math, my monthly escrow should be approximately : {$1000.00} base + about {$120.00} shortage repayment = roughly {$1200.00} Instead, I am being charged substantially more. 
My concern is not avoiding legitimate escrow obligations. I simply want an accurate accounting and confirmation that my escrow payments, refund deposit, and new insurance premium are being calculated correctly. 

I am requesting : A complete escrow transaction ledger A corrected escrow analysis that properly credits my {$2500.00} payment Written explanation of how the shortage was calculated Correction of any overcharges Thank you for reviewing this matter.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
A month ago in mid XX/XX/XXXX, my husband XXXX XXXX helped me submit a complaint to Discover. However Discover responded as unauthorized person listed in the complaint and refused to look into the problem. So now I'm submitting this same complaint again on my own. If Discover still doesn't want to look into this complaint they at least need to give valid reasons and approaches I can take so they can process the complaint. 

I had a Discover credit card that I rarely used. In XXXX from XXXX to XXXX there were many unauthorized purchases with a total of approximately {$9000.00}. Because I rarely used the card and checked the account, I didn't find this out until I was called by Discover at the end of XXXX. I was shocked and requested statements from recent years. Meanwhile I also requested to close this account. Discover did both : mailed the statements and closed that account ( balance was transferred to a new account ). After the statements were received at the beginning of XXXX, I had some interactions with Discover in order to solve the issue. However it was not efficient or effectively mainly because I was in bad mental conditions. I was struggling with XXXX and couldn't manage my finance even my daily life. In XX/XX/XXXX my husband decided to step in and help me communicate with Discover. We reported the unauthorized charges as fraudulent. After the first investigation Discover concluded there was no fraud around XXXX XXXX. Their main reasons were mainly 2 fold : 1 ) purchases from one merchant was valid while I reported them as fraudulent ; 2 ) I didn't react in a timely manner. We explained to them due to my mental conditions I couldn't react fast like a healthy person and I might mistakenly claim one merchant, but that was the only mistake while there were dozens of truly fraudulent purchases. We even found more evidence of fraud including our online accounts of some merchants showing no purchase records as in the credit card statements. In addition, I was not physically in the US while many purchases in local stores happened. Lastly we obtained one person with name, email and address from multiple online merchants who was responsible for purchases with those merchants. We supplied all the explanation and new evidence and the information of the possible fraudulent card user to Discover. However after the 2nd investigation Discover came to the same conclusion of no fraud in XX/XX/XXXX. Attached is the cover letter and evidence we sent to Discover before the 2nd investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On Thursday XX/XX/XXXX, I made a transaction at XXXX to purchase tickets totaling {$230.00}. I received a text message from Citi indicating the transaction was declined and asking was it me attempting to make the purchase. To which, I responded Yes. The message that followed read ; to complete the transaction please try your purchase-it is ready for use. As a result, I ran the card a second time. This time, I used a merchant credit in conjunction with my card, and the new total was {$150.00}. I received another text message from Citi indicating the transaction was declined, was it me attempting to make the purchase. To which a second time, I responded yes. The massage that followed stated, you are all set there is nothing more for me to do. Upon reaching out to Citi I was informed that both transactions went through. As I told several representatives in customer service and the dispute department. I only ran the card a second time because Citi told me to. I reached out to XXXX for a refund. Due to the nature of their business they confirmed they were unable to return any funds, and I would need to follow up with the credit card company. I have since paid my balance and closed my account as I have no further interest in banking with Citi. However, I have requested to speak with a manager or someone who can properly understand the fraud functionality and clarify. I have disputed the transaction as I should not be held responsible for since they informed me both transactions were declined.

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 monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX spoke to a representative by the name of French today about my concern on my account past due balance XXXX I suppose old on XXXX car note there were two payments made in XXXX one on XXXX of XX/XX/year> another payment was made on XXXX XX/XX/year> for {$780.00} now Capital one " saying '' overtime I make a payment they apply my payment toward the past due balance, which put me behind in my car now every month Capital one analogy payments that they received in XXXX, But on XX/XX/XXXX they tried to go into my Husband account so it was a return but they already got paid for the month of XXXX. I don't understand why I am responsible to pay the past due balance. If you can help me out greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Today XXXX I called three separate times to bread financial to obtain financial statements regarding the loan. Two people said that bread financial does not provide statements and dont have access to them. 1 send a photo that of payments he created in an excel spread sheet. 

They will not make a supervisor aware. The call center is not in this country. 

Im not what this company is doing but they are violating the truth lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/year> I sent a wire transfer of {$110000.00} to US BANK, NA. 
TO account # XXXX. 
This was supposedly for XXXX XXXX XXXX to remodel 3 kitchens in a home in XXXX, IL. 
This property had a XXXX family home to the front of the property, and a 1 family home to the back of the property. 
Beneficiary XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY account was with XXXX XXXX Bank, XXXX XXXX. 
MY name is XXXX XXXX XXXX. 

This wire transfer was allowed to go through until XX/XX/year> when US Bank NA refused to proceed and sent back a PARTIAL payment to the XXXX XXXX XXXX account of XXXX XXXX XXXX. 

XXXX received back {$78000.00}. 

The purpose of this complaint is to find out whatever happened to the remainder of the monies sent out. 

XXXX is requesting that US Bank return to her the remainder of the {$110000.00} that was wire transferred to US Bank on XX/XX/year>. 

Thank you so much for attending to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX 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 2026-02-17 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I am filing this complaint against Citibank , N.A . for failing to conduct a " reasonable investigation '' of a billing dispute ( Case ID : XXXX ) as mandated by the Fair Credit Billing Act ( FCBA ). 
On XX/XX/XXXX, I returned a rental vehicle to XXXX ( XXXX, XXXX ) at XXXX XXXX  to the short-term parking lot, per their instructions ( XXXX email attached ). The merchant charged me a {$3500.00} " full excess '' for damage they claim was found at XXXX XXXX, over three hours after I surrendered custody. I provided Citibank with irrefutable proof ( flight records, email stating where to return car ) showing I was inside a secure terminal and physically unable to have caused the damage during that window. 
Furthermore, I provided Citibank with evidence of fraudulent invoicing and bad faith documentation by the merchant : The merchant provided three conflicting financial demands for the same claim : XXXX, Pg XXXX ( XXXX ), XXXX, Pg XXXX ( XXXX ), and XXXX pg XXXX ( a non-itemized demand for " XXXX '' ). 

The car was not repaired for 6 weeks, and only a tire was repaired. 

Despite this, the merchant charged the full {$3500.00} ( excess ), with no evidence of repair. 
The merchant failed to provide a valid VAT invoice, a legal requirement for repair charges in XXXX, they also failed to show time-stamped photos with the Damage Evaluation Tool , per their policy, for the scratches/ scuffs. The merchant has 2 separate claims for the same incident. 
Citibank ignored these 10 documented material discrepancies ( attached Formal dispute summary ) and closed the dispute based solely on the merchant 's reports. I am requesting that the CFPB compel Citibank to reopen this investigation and address why they are permitting a merchant to charge over 10x their own documented repair estimate in violation of XXXX Merchant Rules .

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 monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Fairway Independent Mortgage Corporation
State: AR

Complaint narrative:
I am a 100 % XXXX XXXX XXXX XXXX Veteran ( XXXX ) reporting mortgage fraud and valuation manipulation by a lender ( XXXX # XXXX ). On XX/XX/year>, I served the lender an 81-page inspection and septic report documenting {$53000.00} in life-safety failures, including total septic collapse and structural pier failure. 

On XX/XX/year>, the loan officer admitted in writing that he " typically does not send '' such reports to appraisers to avoid " losing out on the transaction, '' violating 15 U.S.C. 1639e. Despite a formal " Hard Stop, '' a revised appraisal was uploaded on XX/XX/year>, within 11 minutes of my demand for accountability, fraudulently scrubbing all defects. 

I have filed an active XXXX Federal Tort Claim seeking {$470000.00} for damages resulting from this fraud. This matter is also under formal Congressional Oversight by the Office of XXXX XXXX XXXX ( XXXX : XXXX XXXX ). I possess a verified XXXX XXXX XXXX XXXX ( unedited audio and PDF logs ) documenting this collusion. Contact me immediately for a secure uplink to provide this evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
A customer sent money to my business email address via PayPal. I created a PayPal business account linked to this email address. The funds were sent from the customer to my PayPal account on XX/XX/year>. The funds show in my PayPal account when I login, but say they are on hold. I have tried every way possible to access them, including at least 3 calls in to PayPal customer service. The first call was around the 30-day mark from when the funds had been initially deposited. Research online had told me a 21-day hold is standard with new PayPal accounts XXXX The person confirmed they should have been automatically released at that 21-day mark and told me it was something they had only seen maybe 2 or 3 times in there many years there. They said they would submit a ticket to the tech department and the funds would be released within 24-48 hours. This did not happen. I called PayPal customer service again and again going over this whole scenario with them. Each time they assured me they would submit a ticket, and someone would be in communication with me. I told them over and over again I wanted to speak to someone above them, someone who could release the funds, etc. They told me each time they had no way to contact the other department other than submitting a ticket. They said they had no phone number or email or any other means of communication with that department. They did tell me the first person should never have stated a 24-48 hour release period, as they have no way of knowing when it would actually happen. I still do not have access to any of the funds deposited on XX/XX/year>. I have not gotten any communication from PayPal on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Discover Financial Services. 

My account had a XXXX balance for several months and no payment was due. An unauthorized transaction was posted to the account during XXXX, XX/XX/year>, which unexpectedly generated a minimum payment requirement. I did not receive any alert or notification that a payment was due. 

Because the balance was created solely by fraudulent activity, I was unaware a payment was required. After contacting XXXX, they investigated and confirmed the transaction was unauthorized and issued a refund/credit adjustment to the account. 

However, despite acknowledging and reversing the unauthorized charge, XXXX continues to report a late payment to the credit bureaus. 

The delinquency exists only because of fraud that the creditor corrected. Reporting a late payment caused by unauthorized activity is inaccurate and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) because it does not reflect my actual payment behavior or responsibility. 

I am requesting that Discover remove the late payment reporting from all credit bureaus and correct the account history to reflect accurate payment performance. 

I have already attempted to resolve this directly with the creditor, but they stated the reporting is accurate even though the balance resulted from confirmed unauthorized activity. 

I request a formal investigation and correction of the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PR

Complaint narrative:
I recently reviewed my credit report and discovered a collection account reported by your agency. I was never notified of this collection prior to its reporting, and I do not believe this debt is accurate or valid. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting full validation of the alleged debt. This includes but is not limited to : A detailed explanation of what this alleged balance is for. 
A complete audit trail and payment history showing how the alleged amount was calculated. 
A copy of any signed contract that allegedly binds me to this debt, including : My original, verifiable signature ; Documentation showing I gave permission for my private information to be accessed ; Proof I authorized you to report this to any credit bureau. 
Unauthorized use of my Social Security Number is a serious offense and may constitute identity theft, which I will report accordingly. 
A legal agreement or contract granting your company authority to collect on this alleged debt. 
A copy of your current state collection license, including license number, proving your authority to collect debts in my state. 
The original purchase agreement for this alleged debt. 
A signed affidavit under penalty of perjury stating that your agency was present or has first-hand knowledge of this alleged debt. 
Your failure to provide complete and verified documentation will be interpreted as an inability to validate the alleged debt. As such, I demand immediate removal of this account from all consumer reporting agencies. 
Violations of the FDCPA & FCRA You are currently in violation of several federal laws, including : 15 U.S.C. 1692d Harassment and abuse 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate within five days of initial contact 15 U.S.C. 1692j Use of deceptive forms 15 U.S.C. 1692k Civil liability for FDCPA violations ( I hereby demand {$1000.00} per violation for the damages incurred ) Your reporting of false or unverifiable debt is damaging my reputation and creditworthiness, which is a direct violation of the FCRA and FDCPA. You have also used symbols and language on envelopes that violate 1692f ( 8 ).

Company response to consumer: Closed with explanation