vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
On XX/XX/year>, I was a victim of a scam involving fraudulent inducement and manipulation. The individual contacted me and kept me on the phone while guiding me step-by-step. They gained my trust and instructed me to access my bank account and review my transactions under the pretense of verifying legitimacy. While on the phone, they directed me to send money through multiple platforms, including XXXX XXXX, XXXX, and XXXX. I was misled into believing I would receive a large sum of money ( approximately {$11000.00} ). The individual created urgency and told me that it would appear suspicious if I did not complete the requested payments. While under this pressure, I made multiple transactions within a short period of time, including a {$300.00} XXXX payment. I have transaction history showing multiple payments made in a short timeframe, as well as evidence that I was actively on a phone call during these transactions. After all funds were sent, the individual blocked me and became unreachable. I attempted to call multiple times but received no response. I filed a dispute with my financial institution on XX/XX/year> and provided supporting documentation, including transaction history and evidence of the phone call. I also submitted an appeal with additional details explaining the manipulation and coercion involved. Despite this, the company denied my claim twice, stating that no error occurred, without adequately addressing the evidence of fraud, deception, and coercion. This situation was not a normal authorized transaction, but one made under false pretenses and pressure. I am requesting that this be properly reviewed as a scam case involving fraudulent inducement. The company did not adequately consider the evidence showing real-time manipulation and coercion when making their final determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I am continuing my dispute regarding the {$330.00} charge from XXXX XXXX XXXX on XX/XX/year>. This purchase was made at an art festival under high-pressure sales conditions. I felt rushed and was not given adequate time to review the product details, including its size, ingredients, or any refund policy before completing the purchase. The salesperson represented that the product was a premium under-eye cream that would significantly reduce wrinkles and that a single purchase would last XXXX year or longer. Based on these representations, I agreed to the purchase. However, the product I received does not match what was described. It was packaged in a large box but contained only a very small amount ( approximately XXXX ounce ) of product, which was not clearly disclosed at the time of sale. Additionally, the product appears to be different from what was demonstrated and does not produce the results that were claimed. I would also like to note that while the receipt includes a " no refunds '' statement, this policy was not disclosed to me at the time of purchase. I was not given a fair opportunity to review or agree to this policy before completing the transaction. Additionally, no meaningful instructions or guidance were provided on how to use the product to achieve the results that were claimed at the time of sale. This further contributed to my reliance on the salesperson 's representations. I would also like to clarify that I was not provided with any return instructions or offered a return option by the merchant. Despite being contacted after the dispute was filed, the merchant did not request that I return the product or provide any process for doing so. Therefore, any indication that | declined or failed to return the product is inaccurate, as no such option was communicated to me. I believe I was misled about the quantity, nature, and expected effectiveness of the product. Had accurate and complete information been provided, I would not have made this purchase. I also attempted to resolve this with the merchant. However, when they contacted me after the dispute was filed, they did not ask for any details about my concerns or attempt to resolve the issue. For these reasons, I am requesting that this charge be reversed, as the product was misrepresented

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal had this promotion for their buy-now-pay-later product ( XXXX ) last XXXX. The promotion promised 20 % of purchase total amount back as Paypal points. At the time of placing the orders using the XXXX I was also shown how many points I should expect to receive. Below are the purchases I made and the pending points shown in my Paypal account. However, Paypal refused to honor the promotion and give me the points. I consider this an extremely deceptive practice by Paypal. Purchase XXXX : XXXX XXXX XXXX XXXX {$650.00} Purchase XXXX : Paypal XXXX XXXX XXXX {$42.00} Total pending points currently shown in my Paypal account : XXXX points ( pending since XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Urgent Dispute Regarding Account Closure and Unlawful Retention of Non-Disputed Funds To whom it may concern, I am writing to formally lodge a complaint against Bank of America regarding the abrupt closure of my account [ XXXX ] and the unjust retention of {$18000.00} USD. Executive Summary of Events : On XX/XX/year>, I received two identical payments of {$1800.00} each from two different accounts for a legitimate business transaction. Sensing suspicious activity when the sender immediately requested a refund via XXXX, I exercised due diligence as a client and informed the sender that I would wait 24 hours for the funds to clear before taking action. The following day, one of the {$1800.00} amounts was placed on hold, and subsequently, Bank of America chose to close my entire relationship without allowing me to provide evidence of the transactions legitimacy or the buyers suspicious behavior. Legal and Financial Grievances : 1. Lack of Due Process : The bank has refused to review my documentation, which proves I acted in good faith to prevent a potential fraud. 2. Unjust Enrichment & Improper Retention : While {$1800.00} is currently under dispute, Bank of America is holding an additional {$17000.00} of my liquidated funds that have no connection to the disputed transaction. 3. Significant Financial Hardship : These funds are critical for my business operations and personal obligations. Holding the entire balance for an estimated period of 3 to 6 months is a disproportionate response that causes severe financial prejudice and irreparable harm. Requested Resolution : I demand an immediate internal review of the evidence I am prepared to provide regarding the {$1800.00} transaction. Furthermore, I demand the immediate release and mailing of a Cashiers Check for the undisputed balance of {$17000.00}. I am a victim of an attempted " triangulation scam, '' and instead of being protected as a long-standing customer, I am being penalized. I reserve the right to seek further legal counsel if these funds are not released within a reasonable timeframe ( 15 business days ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
My information was involve in the data breach so therefore these companies has purchased my information without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I was induced through misrepresentation and false pretenses to transfer approximately {$960000.00} via wire transfers to a Bank of America account controlled by the recipient. These payments were presented as part of a legitimate personal development program operated under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, California. I later discovered that the organizations website and communications contained false and misleading representations, including unverifiable testimonials and claims that created a false sense of credibility. Communication was carried out using multiple identities/personas, raising serious concerns about misrepresentation. I was explicitly instructed in writing to label these transfers as personal or friends and family, which appears intended to bypass standard banking scrutiny and fraud detection controls. The funds were transferred into a personal Bank of America account in large amounts over a sustained period, which should have raised clear concerns given the unusual size and pattern of these transactions. I understand that the sending bank ( XXXX XXXX ) has already sent a notice to Bank of America regarding {$390000.00} transactions. However, I have been informed that there has been no response or meaningful action taken so far. Despite the seriousness of the situation, I have not seen evidence of timely investigation or follow-up by Bank of America XXXX I am concerned that, without prompt action, the funds may have been moved or dissipated, reducing the likelihood of recovery. I request that the CFPB review Bank of Americas handling of this matter and ensure appropriate investigation and action.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year> someone opened six accounts checking in my name

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 2026-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I paid off my solar loan in full on XX/XX/year>. The company issued a termination letter and initiated a XXXX termination filing ; however, the lien on my property remains active in county records. A title search conducted in XX/XX/year> confirms that the lien has not been released, which indicates that the lien release was not properly completed, recorded, or indexed. This has prevented me from proceeding with a time-sensitive financial transaction and has caused ongoing financial impact. I have contacted the company multiple times requesting confirmation of proper lien release, including proof of recording and document number. Despite these requests, the company has failed to provide adequate proof that the lien has been cleared from the county records. It has now been nearly three months since full payment, and the company has not fulfilled its obligation to ensure proper lien release. This represents a failure in loan servicing and payoff handling. I am requesting immediate corrective action to complete and verify proper recording of the lien release, ensure the lien is fully cleared from all title records, and provide official proof of recording. Continued delay may result in further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I was charged in accurately by a company for an unauthorized transaction per their policy after 10 business days of opening up a dispute. Im supposed to receive a temporary provisional credit while working on this dispute and I still have not received it and its been almost a month and I keep getting the runaround after Ive provided receipts and documentation that it was unauthorized and that I tried to reach out to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank has not correctly fixed my balance and left my account XXXX abandoned and overdrawn and charged it off I tried contacting the XXXX, and XXXX XXXX XXXX of Regions Bank I still do not see my money from the appeals nearly XXXX dollars you owe me in my checking account that is now negative and closed so Regions needs to clear the overdrawn amount and send a check for the remaining money the appeal owes me and they have refused to take any action and respond uselessly XXXX CONFIRM WHEN YOU SEND A CHECK FOR THE MONEY U OWE ME OR FIX MY ACCOUNT.

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 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Student loans put on pause for 1+ years. Never notified when resumed. Estimated XXXX or XXXX, Mohela sent notices about updated address which I gave them. Never received any forms of notices. Loan is now defaulted and given to another company.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Exto Inc.
State: CA

Complaint narrative:
I am filing a complaint against Atlas for misleading advertising and failure to provide required documentation related to my credit disputes. Atlas advertises services in a way that is misleading and does not reflect the actual results I experienced. I relied on these representations when signing up, but the service did not match what was promised. Additionally, I submitted disputes through their platform and, after receiving the results, requested copies of the documents and evidence used to determine the outcome. Atlas failed to provide this information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to obtain the method of verification and supporting documentation used in dispute investigations, which they have not provided. I am requesting that Atlas provide all documentation used in my disputes, explain how the results were determined, and correct or remove any information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against US Bank for unjustly closing my accounts and failing to refund my funds. Below are the details of the situation : Account Opening : I legally opened a US Bank checking account and, at the bank 's recommendation, I was also encouraged to apply for a secured credit card. I deposited {$1500.00} as a security deposit to open the credit card. Account Usage : I used both the checking account and the credit card in full compliance with the banks terms and conditions. Unexpected Closure : In early XX/XX/2026, I was unexpectedly notified that my accounts were no longer accessible. Upon contacting US Bank customer service, I was informed that my secured credit card had been closed, and subsequently, my checking account was also closed. Funds At Issue : At the time of the closure, my secured credit card deposit of {$1500.00} and approximately {$5900.00} in my checking account were left unpaid and inaccessible. Lack of Resolution : Despite multiple attempts to resolve this matter by contacting customer service, I have received no satisfactory explanation or resolution. I have not received the refund of my {$1500.00} security deposit, nor the remaining funds in my checking account. I respectfully request the Consumer Financial Protection Bureaus assistance in resolving this matter and ensuring that US Bank returns the funds that I am entitled to. The failure to refund my deposits and the improper closure of my accounts are causing me undue stress and financial inconvenience. Please let me know if you require any additional information or documentation to process this complaint. Thank you for your attention to this matter. I look forward to your prompt response and assistance. Sincerely

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 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX account open fraudulent and needs to be removed its is also older than 7 years so its is double violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding a loan serviced by OppLoans and originated by XXXX XXXX XXXX ( XXXX ). While OppLoans states that XXXX is the lender, all servicing, communication, and consumer interaction is handled by OppLoans, making this a concern involving both entities. I believe the structure and handling of this loan may involve unfair, deceptive, and potentially predatory lending practices. Specifically : XXXX. Excessive Interest and Cost of Borrowing The loan carries extremely high interest, resulting in a repayment amount that is significantly disproportionate to the original loan balance. Interest accrues rapidly, including daily accrual, which makes it difficult to make meaningful progress toward paying down the principal. XXXX. Lack of Reasonable Hardship or Settlement Options When I attempted to seek relief due to financial hardship, I was only offered limited temporary payment reductions ( half payments for a short period ), with no meaningful long-term solution such as a settlement, principal reduction, or structured hardship program. This creates a cycle where the balance continues to grow despite payments. XXXX. Refusal to Offer Payoff Flexibility The company does not provide reasonable options to resolve the debt, including settlement opportunities or reduced payoff options, which are commonly offered in the lending industry. XXXX. Potential XXXX XXXX Concerns OppLoans has stated that XXXX XXXX XXXX is the originating lender, but OppLoans appears to control the marketing, servicing, and overall loan experience. This raises concerns that the bank may be used to bypass state interest rate limits, including those applicable in New Jersey. I request that this arrangement be reviewed for compliance with federal and state consumer protection laws. XXXX. Unfair Loan Structure and Consumer Impact The structure of this loan places borrowers in a position where repayment becomes extremely difficult due to high interest and limited relief options. This creates financial harm rather than providing responsible lending support. The loan was marketed and serviced by OppLoans XXXX XXXX XXXX is listed as the originating lender I have already attempted to resolve this issue directly and through the XXXX XXXX XXXX, without a satisfactory resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/year> I have a letter stating that my account was 60 days past due but on XX/XX/year> was reported to all 3 credit bureaus as 90 days past due. A dispute as already filed with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a settlement agreement with this collection agency for {$1200.00} on a debt account. The settlement was set to expire on XX/XX/year>. On that date, I logged into the online portal to make the settlement payment and discovered the option had been completely removed without any prior notice or communication from the agency. I then attempted to contact the agency by phone multiple times over the course of a XXXX weeks using the number XXXX and XXXX. Each time I called, I was told either that someone else has the account or directed to another number. When I called that alternate number, an automated message stated no one is available with no callback option. I never had this issue prior to setting up the settlement. Always was able to reach someone now everyone is clueless and say they cant help. The portal now shows only full-payment options requiring the entire balance to be paid in installments, rather than the {$1200.00} settlement I had agreed to. I was unable to complete the settlement payment due to the removal of that option and the agencys unresponsiveness to my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I live in Florida was was affected by 2 hurricanes back to back that caused damaged and loss wages, I was told By company that I was protected by being affected by natural disaster and that late payments will not be reported to agencies

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