vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I am filing a complaint against U.S. Bank regarding a missing ACH transfer from my checking account. On XX/XX/year>, I initiated an online ACH payment from my U.S. Bank account in the amount of {$5000.00} to XXXX XXXX XXXX XXXX XXXX XXXX, and the transaction was processed as a sameday ACH. On or about XX/XX/year>, I was informed that XXXX XXXX XXXX had not received the funds and has since confirmed that the payment never appeared in their account. I contacted my local U.S. Bank branch, and the staff were cooperative but explained that the matter would be handled by U.S. Banks investigation and fundstracing team. I filed a formal complaint with U.S. Bank on or about XX/XX/year>. The bank took nearly two weeks to provide a trace ID and has not produced clear documentation showing where the ACH was deposited. In a letter dated XX/XX/year>, U.S. Bank denied my claim and refused to credit the {$5000.00} back to my account, even though the intended recipient has confirmed it never received the payment. The only possible explanations are that the ACH was never received, was delayed or misrouted, or was deposited into the wrong account ( though the name on the records matches the intended recipient ). I believe U.S. Bank should : Provide a complete explanation and documentation of what happened to the ACH transfer of {$5000.00} initiated on XX/XX/year> ; Provide the results of the ACH trace associated with the trace ID issued; and Credit the {$5000.00} back to my account, since the business did not receive the funds and the bank has failed to resolve this matter in a reasonable time. My preferred resolution is : refund of {$5000.00} to my U.S. Bank account, plus a clear written explanation of what happened to the ACH transfer.

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 2026-05-25 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: MN

Complaint narrative:
In XX/XX/XXXX, I received an official XXXX unclaimed property notice stating that my account with a {$350.00} balance would be sent to the Minnesota State Treasurer 's office by XX/XX/XXXX if I didn't log in, due to 3+ years of inactivity. When I tried password reset using the email listed on the notice ( XXXX, account # XXXX ), it returned " no account found, '' so I immediately emailed XXXX. Over 20+ emails across 8 different representatives ( XXXX XXXX XXXX XXXX Payal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I fully complied by submitting a full photo of my unexpired government-issued ID via their first upload link ( confirmed received ), a selfie holding the same ID via their second upload link ( confirmed received ), bank account last 4 digits XXXX, old phone numbers XXXX and one ending in XXXX, and old display names XXXX XXXX and XXXX XXXX three separate times that I used a fake name in XXXX for privacy while doing online work. However, their responses followed a deliberate stonewalling pattern : each new rep ignored my prior submissions and demanded the exact same ID again ; they repeatedly claimed " name on ID doesn't match '' despite my clear explanations ; XXXX specifically lied about having " reviewed all messages '' then copy-pasted the identical script for the third time ; and every single request for supervisor escalation ( made 5 times ), account name/status details, XXXX cancellation reason, or {$350.00} current location ( still with XXXX or already escheated ) was ignored amid endless handoffs. The account was cancelled in XX/XX/XXXX for unknown reasons. I've taken every action requested and more, yet XXXX has provided XXXX substantive information, no escalation, and no access to my verified funds despite total compliance, leaving me locked out as the XX/XX/XXXX deadline approaches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am filing a complaint regarding ongoing billing and communication issues with my PayPal credit account. This account was removed from my PayPal dashboard over a year ago, and I believed the account had been fully closed and paid off. However, I continue to receive emails claiming that I owe interest charges and late fees. I have contacted PayPal multiple times by phone and have received inconsistent information regarding the remaining balance on the account. During XXXX of these calls, I specifically asked the representative what amount I needed to pay in order to fully close the account and ensure that no balance remained. I was told that my final payment amount was {$18.00}. I made that payment over the phone and clearly confirmed with the representative that it would satisfy the remaining balance and close the account. The representative confirmed that it would. Despite this, I am now being notified of an additional {$2.00} charge on an account that has supposedly been closed for over a year. I have also repeatedly requested written confirmation stating that the account has been closed and that I do not owe any remaining balance, but I have never received such documentation.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I need to file a complaint on when I use debit card number ending in XXXX it keeping declining for moon pay for {$50.00} for today and I need that payment to be marked and set as authorized so it can go through fully and processed as successfully its not unauthorized or fraudulent I need the issue to be resolved and fixed so my debit card can work on the platform again and fully worked and successfully go through again without a issue without me having to keep calling in and in over again and never to to call in again to get it fixed and make it permanent for that transactions and other transactions and other transactions like that and and fix the issue that causing the decline or remove it as permanent and remove all debit card from all linked platform that is connected like wallets like XXXX XXXX or XXXX XXXX or XXXX wallet and other like that or other and delete it and remove it from yall severs and connections and yall end and on yall system so I can re successfully linked it back to those apps and reconnect it to those platforms without a issue and my payments can successfully go through and process without a issue or decline without having to keeping calling in and refresh the card when yall get it fixed and resolve when I called in more then one time today all the agents couldnt fix my issue or resolve it or understand what they say they was doing or understand me or understand what I was saying or understand my issue and claim it is a app issue when its not it is on their end so please fix it for me etc.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
consumerfinance.gov Time is running out to submit feedback on the companys response. Thank you for your participation in our complaint process. We previously contacted you to tell you that the company has responded to your complaint and the complaint process is now complete. We hope you have reviewed their response and would like to provide feedback. You have XXXX days from when the company responded to your complaint to provide feedback. You now have until XX/XX/year> to complete it. COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Checking or savings account ISSUE Safe deposit I do not believe the company adequately addressed my concerns regarding authorization procedures, access verification, and the records related to my account/safe deposit access. I remain dissatisfied with the response and continue to believe important questions and documentation requests were not properly resolved.

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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Subject : Formal Fraud Complaint and Failure to Properly Investigate Unauthorized XXXX Charges To Whom It May Concern : I am submitting this formal complaint regarding TD Bank 's handling of unauthorized and fraudulent transactions from XXXX that have repeatedly been charged to my account. These transactions have now caused significant financial hardship, including overdraft fees and approximately {$900.00} in unauthorized losses. I have repeatedly informed TD Bank that I do not have a XXXX account, I have never reserved a vehicle through this company, and I have never authorized these charges. Despite notifying TD Bank that these transactions are fraudulent, the charges continue to be processed against my account. What is most concerning is that this situation mirrors a prior dispute involving XXXX, where I reported fraudulent activity and TD Bank initially credited my account, only to later reverse the decision without providing me any supporting evidence, documentation, or proof that these transactions were legitimately authorized by me. I dispute TD Bank 's handling of these claims and believe the investigations have been inadequate. Under federal consumer protection standards, disputes involving unauthorized electronic transactions require a reasonable investigation. I have yet to receive evidence showing : Proof I created a XXXX account Proof I reserved or used any vehicle Signed agreements or authorization documents GPS usage records IP address verification Identification verification connecting me to these transactions Any documentation proving I approved these charges I am requesting the following immediately : XXXX. Reopen and fully investigate all XXXXrelated transactions. XXXX. Provide all evidence and documentation used to justify reversal of any credits. XXXX. Reimburse all fraudulent charges and overdraft fees resulting from these unauthorized transactions. XXXX. Block XXXX from charging my card and account moving forward. XXXX. Provide written confirmation of TD Bank 's findings. I am extremely concerned by what appears to be a repeated pattern of disputed fraud claims being reversed without adequate support or transparency. If this matter is not resolved promptly, I will consider escalating my complaint through the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and additional regulatory agencies. I expect a prompt response and immediate review of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Secure One Capital Corporation
State: AZ

Complaint narrative:
I received an unsolicited mailer from Secure One Lending ( NMLS # XXXX ) disguised as an official FHA government notice. The letter used official-looking formatting, a fake file number ( XXXX ), and high-pressure tactics including a XXXX deadline to call them. The letter stated they are not my current lender but was designed to look like an official FHA XXXX XXXX to trick me into refinancing with them. I did not call them or engage with them XX/XX/year>

Company response to consumer: Untimely response
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion remove and block fraudulent information from my consumer credit report within four business days of receiving this notice. The inaccurate and unauthorized information includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
In 2023, I was the victim of a XXXX XXXX XXXX situation involving XXXX, XXXX XXXX, theft of my vehicle, theft of my phone, and loss of access to my personal identifying information and financial accounts. During this period, another individual gained control of my SoFi account, cards, devices, and account access. I sought safety through a XXXX XXXX shelter and, while there, contacted SoFi to report that my account had been compromised. I warned SoFi that another person had access to my account, phone, cards, and financial information and that unauthorized withdrawals and transactions were occurring or about to occur. I repeatedly asked and begged SoFi to secure, freeze, or shut down the account to prevent further losses. However, because I no longer had possession of my phone, cards, or identifying information, I was unable to complete the normal identity verification process. Despite explaining the emergency situation and unauthorized access concerns, the account remained open and funds continued to be removed. After later attempting to recover my belongings and personal information, I suffered severe XXXX injuries related to the XXXX XXXX incident and was hospitalized in intensive care. Since then, I have repeatedly attempted to obtain account records, transaction history, and assistance regarding the unauthorized activity and losses connected to the compromised account, but I have struggled to obtain meaningful assistance or access to the necessary records. I believe SoFi failed to take reasonable action after being notified that my account had been compromised during an active emergency situation and failed to adequately protect the account from ongoing unauthorized access and withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: CO

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- COSTCO CITI credit card : I filled a disputeabout the break down/lump-sum damages ( Pannenhilfe/Schadenpauschale ) = EURO XXXX. I contacted COSTCO CITI card dispute department directly and the representative refused to provide any information, documentation or specific reason for there denial. Attachment : -ADAC Pannenreport ( ADAC breakdown report ) -Alamo/Enterprise final bill -- -- -- -- -- - Description of dispute -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- - Letter send to XXXX XXXX XXXX -- XXXX -- -- -- -- -- -- -- - XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Rechnungsnummer/Invoice # XXXX XXXX XXXX XXXX : XXXX Reservierungsnummer/Reservation # : XXXX Disputed Item : Break down/lump-sum damages ( Pannenhilfe/Schadenpauschale ) = EURO XXXX Reason for dispute : The rental car suffered an electrical failure " Anlage tot '' from an automated update, the rental company must treat it as a standard mechanical break down. By law the rental company must arrange and pay for " Roadside assistance & Towing '' obligated to deliver " A replacement vehicle '' and the car renter is " entitled to a refund or pro-rated credit ''. XXXX XXXX please accept that your free XXXX XXXX assistance program which covers against mechanical problems applies for car computer break down and not your optional road assistance insurance. XXXX please immediately reverse the unauthorized charges, issue a full refund of XXXX XXXX to my card on file, and cease these unlawful billing practices.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MA

Complaint narrative:
email sent on XX/XX/XXXX. I took out a loan on XX/XX/XXXX in the amount of XXXX the payment is XXXX with an interest rate of XXXX %. The payments are biweekly. I took this loan out because i needed fast cash and was going through a XXXX proceeding. these payments are not feasible. They are putting me in jeopardy of going into foreclosure and not being able to support my XXXX children. I will have ended up paying almost XXXX for a XXXX loan. I have paid to date XXXX but owe more than the original loan. Thank you email received from company on XX/XX/XXXX Our records indicate that your bank returned your recent payment of {$590.00} that was due on XX/XX/XXXX as XXXX. Your account is now in collections, and the current outstanding balance is {$4200.00}. The balance is XXXX more than the original amount and I have paid XXXX to date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX for engaging in deceptive, abusive, and unlawful debt collection practices. This agency has issued a written threat to place a judgment lien against real estate belonging to a deceased individual, despite the fact that the absolute statute of limitations for estate claims in Illinois has long since expired. The original account holder, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX years ago on XX/XX/XXXX. No probate estate was ever opened, no executor or personal representative was ever appointed, and there are no living cosigners on this unsecured loan. Heights Finance recently transferred this uncollectible account to XXXX XXXX XXXX XXXX XXXX On or about XX/XX/XXXX, the collection agency sent a written notice explicitly threatening to place a lien on the deceased person 's residential property if the past-due balance was not settled. Violation of the Illinois Probate Act ( 755 ILCS 5/18-12 ) : Under Illinois law, all claims against a decedent 's estate are strictly and permanently barred XXXX years after the date of death, whether probate is opened or not. Because XXXX years have passed, this debt is legally uncollectible, and no lien can legally be pursued or filed against the property. Violation of the Federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) : The collection agency is using false, deceptive, and misleading representations by threatening a legal action ( filing a property lien ) that they can not legally take. I request that the Illinois Attorney Generals Office investigate this agency for predatory collection practices. I demand that XXXX XXXX XXXX XXXX immediately cease all collection activities on this time-barred account, void the invalid debt, and stop harassing the surviving family members with fraudulent legal threats.

Company response to consumer: Closed with non-monetary relief