vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Regulatory Complaint - Systemic Failure of Fraud Detection ( XXXX XXXX Violation ) & Unfair Practices I am reporting a gross failure of Bank of America 's security protocols regarding my business account, which resulted in a total loss of {$11000.00}.

1. Total Failure of Suspicious Activity Monitoring : My Online Banking dashboard ( " Top Outbound Cash Destinations '' ) confirms that a total of {$11000.00} was transferred to " KALSHI '' ( a high-risk gambling merchant ) without my authorization.

The fraudulent attacks began in late XXXX ( see attached XXXX XXXX ) and escalated to XXXX consecutive transactions on XX/XX/XXXX alone. 

No commercially reasonable security system should permit XXXX repetitive transfers to a new gambling merchant in XXXX hours without triggering a block or a single fraud alert. This suggests the bank 's AML and Fraud filters were non-functional. 

XXXX. Failure to Protect Deposits ( XX/XX/XXXX ) : On XX/XX/XXXX, I made a legitimate mobile deposit of {$4900.00} ( Statement Page XXXX ). Immediately after accepting my money, the bank 's system allowed XXXX more fraudulent transfers to XXXX on the very same day, instantly draining the funds I just deposited. The bank facilitated the theft by keeping the " back door '' open while I deposited money at the " front door. '' XXXX. Unfair Practice - Profiting from Fraud : Instead of stopping the obvious theft, the bank charged me Overdraft Fees ( {$40.00} total ) on XX/XX/XXXX and XX/XX/XXXX. The bank knew my account was drained to a negative balance but chose to authorize more fraudulent charges to collect fees, prioritizing revenue over security.

4. Admission of Flawed Algorithm : A bank representative admitted to me that ZERO alerts were generated for these transactions. The representative claimed the system ignored the theft because I use " XXXX. '' This is a fatal flaw : legitimate XXXX payments to known associates are not comparable to XXXX high-frequency gambling charges to a new merchant.

Conclusion : Bank of America failed to act in a commercially reasonable manner as required by UCC Article 4A. I requested an investigation report and IP logs, but the bank refused to provide them.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting one or more collection accounts on my credit report with inconsistent balances. The accounts were reported around XX/XX/year>. 

On XX/XX/year>, I sent Jefferson Capital Systems a certified debt validation request asking for proof of ownership, the original creditor, account details, and a breakdown of the amount claimed. The request was delivered and signed for, but no validation or response was provided.

Despite failing to validate the alleged debt, Jefferson Capital Systems continues to report the collection account ( s ) to the credit bureaus. Reporting collection accounts without providing validation makes the information inaccurate and unverifiable.

I am requesting that Jefferson Capital Systems either provide proper validation for the alleged debt or remove all related collection tradelines from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX customer of Wells Fargo ( account opened in XXXX at XXXX XXXX XXXX XXXX branch ) XXXX In XX/XX/XXXX, due to the XXXX holiday, my XXXX payment was delayed, resulting in XXXX overdraft fees. I am currently in a documented financial hardship ( mortgage assistance program ). 
I visited XXXX XXXXXXXX XXXX XXXX in XXXX, CA, to request a waiver. Without my consent or explanation of the consequences, the branch staff processed XXXX fee reversals ( {$70.00} ). I later discovered that by doing so, they triggered an automated 'block ' on my account that prevents any further reversals for one calendar year. This effectively trapped me into a partial resolution and blocked the remaining 4 fees ( {$140.00} ) from being addressed. 
When I attempted to escalate, the XXXX XXXX was hostile and raised his voice. I subsequently spoke with 'Charles XXXX in the XXXX XXXX XXXX Case # XXXX ), who confirmed that while he saw the hardship, the system block created by the branch 's unauthorized action 'tied his hands. ' The bank is prioritizing an automated algorithm over a XXXX relationship and a documented crisis. I am facing a XX/XX/XXXX mortgage relief deadline and my son 's XXXX XXXX  on XX/XX/XXXX. I have only {$200.00} to my name ; the {$140.00} being held is essential for my family 's survival.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
This complaint concerns unlawful collection and credit reporting practices by XXXX XXXX, which is reporting a collection account on my credit report as follows : XXXX : XXXX XXXX  Account Number : XXXX Balance : {$8100.00} Status : Collection I never received any written notice of this alleged debt prior to it being placed on my credit report, which constitutes a direct violation of FDCPA 1692g ( a ). Failure to provide the required written notice within XXXX ( XXXX ) days of initial communication is a statutory violation for which up to {$1000.00} in damages may be recovered, independent of the alleged balance.

After discovering this account through my credit report, I submitted a timely written request for debt validation. It has now been over sixty ( XXXX ) days, and RNT DEBT has failed to provide any validation whatsoever. Despite this, the account continues to be reported, which is unlawful. Credit reporting is considered collection activity, and under FDCPA 1692g ( b ), all collection activity must cease until proper validation is provided.

Because no validation has been supplied, RNT DEBT can not lawfully continue furnishing this account. Reporting unverified information violates FCRA 1681e ( b ) ( maximum possible accuracy ) and FCRA 1681s-2 ( b ) ( failure to conduct a reasonable investigation after dispute ). Additionally, XXXX XXXX reporting standards prohibit the continued reporting of accounts that can not be substantiated with competent documentary evidence.

Due to RNT DEBTs failure to comply with federal law and to provide even basic validation, I have filed complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. This CFPB complaint is being submitted so regulators and other consumers are aware of RNT DEBTs practices and pattern of reporting debts without proper notice or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am filing a follow-up complaint regarding the same M & T Bank account referenced in my prior complaint ( CFPB ID : XXXX ). 

In M & T 's XX/XX/XXXX response to my prior complaint, XXXX XXXX from Customer Advocacy confirmed that a " Tenant account ending in XXXX was opened on your behalf by XXXX XXXX XXXX, XXXX. '' M & T admitted the account exists. 

However, in that same response, M & T falsely stated : " our review shows that you were not issued a W-9 form or a 1099 form by M & T. '' This is false. My IRS Wage and Income Transcripts for XXXX, XXXX, and XXXX all show M & T Bank  reported Form 1099-INT interest income under my Social Security Number for an account ending in XXXX. 

On XX/XX/XXXX, I called M & T Bank to obtain records about this account. I spoke with a representative named XXXX in the XXXXXXXX XXXX XXXX call center. I have a recording of this call. 

After I provided my full Social Security Number, XXXX stated : " Unfortunately nothing comes up in my system with those numbers. So that means that I'm not locating any closed or open accounts for you. '' This directly contradicts M & T 's own XX/XX/XXXX response to CFPB, where M & T admitted the account exists. 

I requested to be transferred to M & T 's fraud department. XXXX refused, stating she had no way to transfer me and that M & T has no fraud department number. She then contradicted herself by saying a branch XXXX could connect me to fraud - acknowledging a fraud department does exist. 

To summarize M & T 's contradictions : XXXX. XX/XX/XXXX to CFPB : Account exists, opened by XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX to CFPB : No XXXX was issued ( FALSE - IRS transcripts prove otherwise ) XXXX. XX/XX/XXXX phone call : No account exists ( contradicts their own CFPB response ) I am requesting complete records for the account ending in XXXX, including all statements, the account opening documents, and an explanation for why M & T told CFPB the account exists but told me on the phone it does not exist. I also request a corrected response regarding the 1099 forms that M & T falsely claimed were never issued. I have IRS transcripts and a call recording available upon 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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am trying to get money back after being scammed by someone for {$400.00}. I was sent to XXXX different departments and no one at Chime seemed to want to help me get my money back that I was scammed out of. I talked to XXXX different people and not XXXX person was able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP
State: CO

Complaint narrative:
Im writing to address a pressing issue with KeyBank regarding our account. We made two separate payments totaling {$140.00} eachone for account XXXX and another for account XXXX. Additionally, we made a third payment of {$63.00} for account XXXX, which was supposed to total {$200.00}. 

Despite these payments, KeyBank claims they havent been received and is requesting further payment. I informed the representative, XXXX, about the payments, but she stated they arent showing in their system. When my son spoke with XXXX XXXX XXXX on XX/XX/year>, he refused to discuss the account with him, even after I explained that my son could provide additional information as the sender of the payments. XXXX XXXX hung up on him, which I found highly disrespectful. 

Upon reviewing the account, I noticed that KeyBank has incorrectly applied {$140.00} and {$63.00} to account XXXX and subsequently posted a late fee and {$100.00} in interest, marking this account as late as of XX/XX/year>, even though it isnt due until XX/XX/XXXX. This is clearly an error, and I have reported it to the CFPB due to improper posting and reporting practices. 

It seems that the payment of {$140.00} for account XXXX has been lost, and instead of rectifying this, your company continues to impose unnecessary fees and mark both accounts as late, which is inaccurate. 

I have recently made a payment to the credit card account but would like this issue cleared up with this incorrect fees and the location of the other check that was sent and delivered to the correct address as the other checks and Keybank refuse to take responsibility and stop pushing their error on to their consumers. 

I appreciate your prompt attention to this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I opened a Citibank debit account and thought I added my wife onto it. She had 4 checked deposited into the account when suddenly Citibank close the account. ( XX/XX/XXXX ) when I called and asked about the funds they advised a check was being sent and to wait 30-60 days. XX/XX/XXXX I called and tried to check on status and they advised me since the funds came from a 3rd party direct deposit with my wifes name on it they couldnt send a check to me. They advised me to reach out to her payroll department and ask them to recall the payment. When we did this they ( sure payroll ) advised they couldnt because it was last year. Im now stuck because Citibank wont do anything other. I have offered to send my wifes ID passport etc or even have her added to the account and have it reopened. The funds are not fraudulent at all they are just from my wifes job. 

Thanks

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 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I submitted a short sale request with PennyMac Loan Services in XX/XX/XXXX. The short sale review was opened on or about XX/XX/XXXX. 

On XX/XX/XXXX, PennyMac advised that the purchase price needed to be increased in order to continue the review. On XX/XX/XXXX, the buyer increased the offer to the level PennyMac required. The buyer remained at this price for the remainder of the process. 

From XXXX through XX/XX/XXXX, PennyMac repeatedly requested documents that had already been submitted, including the short sale addendum, updated XXXX statements, contract amendments, proof of funds, and listing agreement revisions. After each submission, PennyMac would place the file under review for several days and then re-request the same documents again, often citing new technical issues ( for example, requesting handwritten names instead of typed names, rejecting handwritten names as illegible, or claiming documents were not received when they had already been submitted ). 

Several documents, including the PennyMac short sale addendum, were executed and resubmitted multiple times at PennyMacs request. PennyMac also raised alleged deficiencies related to documents from XXXX after multiple full resubmissions had already occurred in XXXX. PennyMac never provided a single consolidated list of outstanding items or a clear explanation of why previously submitted documents were allegedly insufficient.

Throughout this period, PennyMacs responses were infrequent, often occurring about once per week, and the review did not progress in a timely manner despite my full cooperation. 

As a result of these repeated delays and rolling document requests, the buyer terminated the contract in early XX/XX/XXXX, citing the lack of timely response and meaningful progress from PennyMac. The short sale failed due to PennyMacs handling of the loss mitigation process, placing me at increased risk of foreclosure and financial harm.

I believe PennyMac failed to properly and timely evaluate my loss mitigation application and engaged in unreasonable delay by repeatedly requesting documents that had already been provided, in violation of federal loss mitigation servicing requirements..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding my student loans serviced by Nelnet Account XXXX. 

According to my recent credit report, late payments are being reported. However, after speaking directly with Nelnet, I was advised that my student loans are currently in forbearance and are not late. Nelnet further confirmed that the last and only instance of any late payment was in XXXX and that all payments since then have been reported on time and in good standing. 

Therefore, the continued reporting of late payments after XXXX is incorrect and does not reflect the true status of my account. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate information be investigated and that all incorrect late payments be removed from my credit file immediately. 

Please provide written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
This is ridiculous I have an account with current- mobile banking I filed a dispute about charges that happened on my account which where fraudulent transactions I did not authorize or allow anybody to do so these transactions include XXXXXXXX XXXX  {$250.00} XXXX  XXXX XXXX XXXXXXXX XXXX {$71.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$220.00} XXXX XXXXXXXX XXXX A total of {$550.00} these bank has been horrible denying my claims even after I gave them proof of a receipt and told them that I I have communicated with all 3 merchants. And that they would give a refund but it would have to be through my bank. I have also filed a police report! The case number is XXXX they have been horrible I want my money back in my account! I have done all that I could. And have not done there due diligence in correcting this for there customer. I will be making a complaint at the better business bureau and also look into a lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
This morning I received a text message from a company called XXXX XXXX with a PDF collection notice attached and link saying I owed SOFI on a personal loan. However, Sofi knows they sent this to Resurgent Debt Collectors and now they are having a second company harassing me for this debt that I am already paying Resurgent each month for. XXXX XXXX never sent me any written communication and was never authourized by me to receive a text. Secondly Sofi has no legal right to send my debt to multiple collection agencies at the same time to harass me. I think this was intentiomal and it appears SoFi has partnered with these two companies inorder to intimidate and harass consumers to pay off account sooner. In my call to XXXX XXXX the man I was talking to appeared to have knowledge of this tactic. I think if the CFPB digs deep they will find these companies are all owned by Sofi.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I filed a dispute with my bank regarding Dave app taking XXXX and XXXX on XXXX and XXXX in error. The app had a glitch and debited my bank account in error both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Receiving odd emails about XXXX XXXX  credit card from Wells Fargo Received odd text message about XXXX XXXX credit card supposedly from 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 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
I ordered a product from XXXX using Affirms buy now pay later system. I cancelled the order shortly after placing it. XXXX still shipped the item, HOWEVER they stopped the shipping and immediately returned it to sender. It never left the origin state. I never touched nor saw the product myself. XXXX neglected to answer any of my emails about a refund even 20 business days after the product was in their possession. Naturally I filed a dispute with Affirm. I never received the product. Shortly after activating the dispute, XXXX emails back trying to resolve the issue and stating they can not refund while the dispute is active. They went 20 days without a word after multiple attempts of contacting. To my surprise, Affirm sided with them even after I provided every bit of proof that I never received the product, they owed me the refund. Everything. Affirm still sided the dispute with them. Now they are expecting me to make monthly payment them and XXXX scammed me out of. This was a {$5000.00} purchase. Affirm now places the blame on XXXX, after they sided the dispute with them and XXXX blames Affirm. This company is a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation