vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My credit card with an {$11000.00} limit was closed due to inactivity on XX/XX/XXXX. This account was in good standing and never had any late payments. This account was long standing and was opened XX/XX/XXXX. I am signed up for email and text alerts and always checking my accounts and emails. I never received an alert that the account was to close. If I did I would have utilized the card to ensure it remained open. I have been a long standing bank member of US Bank for XXXX XXXX now and this card positively effected my XXXX XXXX with its long history, on time payments and keeping it low to {$0.00} for low utilization credit. U.S. bank said it was auto closed and they cant open it. They did not offer a dispute option or to file a grievance. They said they could take a general complaint. Since it has been less than XXXX days, I am requesting US Bank reinstate/reopen the account? '' I can Commit to XXXX, like a reoccurring charge on the card to ensure it stays active. Otherwise, XXXX need to change both my savings, checking and business accounts with them and move to another bank that gives proper notification prior to closure and an appeal process. I had done this with my XXXX XXXX card recently and they ensured my card would stay open.

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 2026-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The last year, XXXX XXXX XXXX, put in my credit bureaus a collection, Never validated this debt, was in XXXXthis account was deleted but this year the same account appears Transworld System inc XXXX XXXX called to XXXX XXXX XXXX XXXX Department XXXX XXXX and Fraud Department confirmed that this account is not mine, Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
i filed a complaint previously about portfolio recovery looking at my credit report XXXX times when i have no collection accounts or defaults. XXXX XXXX and XXXX reports all show paid as agreed across all account. In there response to complaint number XXXX they satate under " FCRA they have permissible purpose to pull consumers reports as it relates to the collection of debt. '' I have no defaults or collections so theres no debts to collect. which violates 15 u.s.c 1618b ( a ) ( 3 ) ( A ) there is no past due accounts or collection actions. I'm also filing this same information with XXXX XXXX and FBI XXXX for potential cybercrimes. Please tell me the Account you are trying to collect failier to comply will result in legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
My friend from XXXX sent money to my account in XX/XX/year> which I have never received in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NC

Complaint narrative:
I had a cash up account that got hacked I reported it and ever since then I've not been able to have an account I would like to have an account with my credentials

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
Re : Complaint Against LoanCare , LLC To Whom It May Concern : This complaint concerns LoanCare 's failure to timely reconcile an escrow account after substantial payments were made, resulting in delinquency reporting, credit damage, and foreclosure-related servicing activity despite subsequent escrow adjustments. On XX/XX/XXXX, I submitted a formal Notice of Error to LoanCare requesting a complete investigation and reconciliation of my account since XXXX. While I understand LoanCare remains within its formal response period, the issues raised in that Notice have existed for many months and remain unresolved. In XXXX, LoanCare increased my monthly mortgage payment from approximately {$1700.00} to {$4400.00} based on an ALLEGED escrow shortage. In response, I made substantial payments totaling approximately {$18000.00} in XX/XX/XXXX and XX/XX/XXXX toward the alleged deficiency and have continued making mortgage payments throughout XXXX. After my Notice of XXXX was submitted, LoanCare eventually performed a new escrow analysis in XX/XX/XXXX and reduced my monthly payment to {$2600.00} for XXXX but disregarding the adjustments needed for XXXX. This adjustment occurred only after my account had already been reported as delinquent, my credit had been negatively affected, and I had been placed into loss mitigation and loan modification programs. LoanCare 's most recent escrow analysis also reflects an escrow surplus of {$2500.00}, which is being retained because the company continues to classify my account as delinquent. County records reflect that my XXXX property taxes were paid on XX/XX/XXXX by me. However, LoanCare 's records reflect a tax disbursement of {$10000.00} in XX/XX/XXXX. To date, I have not received explanation or reconciliation of my account for XXXX. This timimg is concerning. I respectfully request that your office review LoanCare 's handling of this account and determine whether the servicer has properly administered the escrow account, accurately applied payments, appropriately classified the account as delinquent, and complied with its mortgage servicing obligations. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX. XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, Florida 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 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CT

Complaint narrative:
I sent a remittance transfer from the XXXX to XXXX through XXXX on XX/XX/XXXX, transaction ID XXXX. Their standard timeline is XXXX business days, but it has now taken over a month and the transfer still has not been completed. I have repeatedly asked for a trace package, transfer status, and any additional details about where the money is within XXXX, but the company refuses to share any meaningful information and only responds with a generic message telling me to wait XXXX business days because they are working on it. I am requesting immediate completion of the transfer or a full cancellation and refund, along with a clear explanation of the delay and the current status of my funds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am writing this because my bank completely took advantage of me when I was going through a stressful fraud situation. Someone stole and cashed a fake {$5000.00} check from my account in another state. As soon as I saw it, I called the bank and they told me to go into a branch to fill out fraud paperwork and get it sorted out.When I went into the branch, the employee was supposed to close my hacked account and set me up with a brand-new checking account to protect my money. Instead, they just froze my old account and never actually opened a new checking account for me. Because they messed up the paperwork so badly, it took months of delays just for me to get my stolen {$5000.00} back, which caused me a lot of stress.To make matters worse, instead of giving me a new checking account like I asked, the banker snuck an unauthorized line of credit ( ending in XXXX ) into the stack of papers. They told me to sign the paperwork, making me think it was just for the fraud investigation and a new deposit account. I still had my own money and I did not need a loan. The banker completely tricked me and forced a credit product on me just to meet their own sales goals and metrics.Because they opened a loan account that I never wanted, asked for, or needed, they ran a hard credit check on me. This dropped my XXXX XXXX XXXX points, knocking me down from an XXXX into the 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 non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am requesting the immediate return of my {$2900.00}. At this point, I have not received a clear explanation of where the funds went, nor have I been provided with any evidence showing that the money was applied to pending charges. Based on the information available in my XXXX account, there is no record indicating that I spent or authorized the use of these funds. As a result, I believe XXXX is responsible for resolving this matter and reimbursing me for the missing funds. I should not have to continue waiting without answers while my money remains unavailable. If XXXX can not provide documentation supporting its position or return my funds promptly, I will pursue all available remedies, including filing complaints with the appropriate consumer protection agencies and proceeding with legal action. Please provide a written explanation and supporting evidence regarding the location of my funds or issue a reimbursement of {$2900.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Hello, Capital one has been holding my money for months now. ive reached out every way possible & i keep getting the same runaround. My account is still being investigated. Its been months and no access to my funds that are just sitting there in my closed account. {$4000.00} that i dont have access too.My account has been closed for over a month now and they still wont tell me when ill have access to my money or when the funds will be mailed to me in a check. Theres no way this process takes this long. Please help me get my funds recovered & this account completely closed down. This has been the worst banking experience ive ever had and i dont know where else to turn for help, they arent helping me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I submitted a promissory note to Navy Federal through their online portal, accompanied by an instruction letter stating that the note was for payment in full of my vehicle. The instructions requested that they : Balance both ledgers pursuant to UCC 3-306, Provide a cash receipt under UCC 3-309 , Transfer the vehicle title, and Update my credit profile to accurately reflect the transaction. Navy Federal informed me that the note I submitted was not valid and requested that I sign and submit a new note. I agreed and asked them to return the original note, stating that I would provide a new one if necessary. They never returned the original note, so I refused to redo it. Subsequently, I filed a federal lawsuit against them for failing to : Send me the title, Update my credit profile, and Stop claiming and reporting that I owed a balance without a valid contract. During the federal case, Navy Federal submitted a copy of the original promissory note as evidence, claiming it gave them the right to enforce payment. This appeared to me to be fraudulent or misleading, because they had privately told me the note was invalid and required a replacement, yet in court, they attempted to enforce it as if it were valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have a prepaid visa gift card and part of the 3 digit security code is rubbed off. I have verified the card with the 16-digit card number and the 30 digit barcode number as well as the state it was purchased in. I am not able to register the card without the 3digit code. When i first called I was told that i could just go online and put in name and address and the card number and they will mail me a new card. This was FALSE there is nowhere to do this. Then I called back and they said i would have to fax or mail them a copy of my drivers license and pictures of the card. I explained i would absolutely not send them a picture of my drivers license because it has private information and they said that would be the only way to get it. I think this is entirely a scam and my private information would be stolen. Also i am pretty sure i can tell what the 3 digit security code is just by looking at the rubbed off number and it doesnt work. There are multiple reports online of people having the same issue. So i do not trust that it just isnt working at all.

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 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The original creditor ( XXXX XXXX ) charged off the debt in XXXX, then transferred and sold to Midland Credit Corp. XXXX XXXX charged this off in XXXX XX/XX/XXXX, I filed a complaint with CFPB, the collector claimed they could not respond on this platform. Although it's beyond the statute of limitations, they're sending threatening letters, demanding payment. XXXX & The Federal government have changed the Statute of Limitations from 7 years to 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery etc is unable to verifiy the debt, Under the FCR they must verify the debt. Portfolio sent me a letter and I sent it to XXXX and they have continued to ignore my request to remove that debt from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I went to ATM and I tried to get out XXXX dollars and no money came out, on the screen it said I exceeded the daily limit amount then I looked at my cash app on my phone and it took my money, the worker at the store was looking at me when this happened and I ask her what is going on with this ATM machine she said she doesn't know.So then we contacted the owner of the store and he said to contact the number on the ATM and contact my bank Cash app.I contacted the AtM vendor and she sent me proof tht they did not receive the money in error but also that the money was retrieved by my bank Cash app I went in and filed a dispute with Cash app and they denied it, then I filed an appeal with cash app and they still denied it.I did ask Cash app to go pull up the video from that transaction but they have not retrieved it.I can get the owner of the store to show u the video as well as he would testify that no money was retrieved on my end that day.Cash App is responsible for taking my money, and I need my money back asap.I will provide evidence from ATM vendor in this claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: UT

Complaint narrative:
Chime let someone make multiple purchases on a credit card in my name that I have no knowledge of and when I realized and called them to dispute, they deny me in less than 24 hours. I have made police report filed with ftc and know cfpb because they are not investigating and I can not even speak with investigator. The total amount is {$4300.00} I have asked for there findings for denial and they ignore my request. I have proof that charges were made in another state at the time I was in Utah

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: U.S. BANCORP
State: MN

Complaint narrative:
I have an FHA-insured mortgage serviced by U.S. Bank . My home was sold at a sheriff 's sale on XX/XX/XXXX. That sale was later vacated and annulled by court order on XX/XX/XXXX, restoring the parties to pre-sale status. Following the vacated sale, I repeatedly attempted to work with U.S. Bank to resolve the loan through FHA loss-mitigation options. Instead of restarting the process correctly, I received inconsistent information, defective loss-mitigation documents containing incorrect dates, and repeated responses stating that my concerns had already been addressed when they had not. I have repeatedly requested information regarding the application of Homeowner Assistance Fund ( HAF ) payments, loss-mitigation decisions, servicing records, force-placed insurance, foreclosure activity, call recordings, and account history. U.S. Bank has not provided complete answers. I was recently informed that the mailing address on my account was changed in XX/XX/XXXX to an address associated with a former co-borrower who has not lived at the property since XXXX. I was also informed that legally required notices were mailed to that address and returned. I was further informed that bankruptcy coding related to my prior XXXX XXXX discharge no longer appears on the servicing system. When I contact U.S. Bank, I am routinely referred to foreclosure counsel, who will not discuss the loan because they do not represent me. I am unable to reach the departments issuing complaint responses and have no meaningful way to obtain clarification or resolution. I have now been informed that a new foreclosure sale is scheduled for XX/XX/XXXX. I am requesting review of U.S. Bank 's handling of FHA loss mitigation after the vacated sale, the XX/XX/XXXX address change, the removal of bankruptcy coding, the application of HAF funds, force-placed insurance, and the decision to proceed with foreclosure while these servicing issues remain unresolved.

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 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I lost my wallet, downtown XXXX New Jersey, bye XXXX and somebody use my information to to open up a account in my wallet it had my Social Security card, my identification, important papers with my signature on it. I made a police report. The person has been arrested in XXXX you try to cash an {$8000.00} check in my name using my signature I would like Bank of America to close all fraudulent accounts. Remove me from early warning services. Due to fraudulent activities. I have police report copies that identifies the suspect an picture of the suspect. On a date of the arrest what he was arrested for. Whats a multiple cities or fraudulent activities in the account ending at 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