vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company : Wells Fargo Product : Checking or Savings Account Issue : Problem with deposit ( ATM ) On XX/XX/year> at approximately XXXX XXXX Eastern Time, I attempted to deposit {$500.00} in cash ( XXXX {$50.00} bills ) into a Wells Fargo ATM located at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX The transaction was completed using my digital wallet ( not a physical debit card ). During the transaction, the ATM displayed an error message stating it was unable to process the deposit. The machine continued scanning and did not return my cash. The funds were not credited to my account. I immediately contacted Wells Fargo at XXXX XXXX Eastern Time and remained on the phone for approximately XXXX minutes to report the issue. A secure XXXX XXXX link to video evidence XXXX XXXX XXXX XXXX Wells Fargo later denied my claim and stated the transaction was invalid. After escalation, I was informed that this was a final decision and that no appeal would be allowed. I was not provided with a sufficient explanation of the investigation or any supporting documentation, such as ATM cash reconciliation records or error logs. This appears to be an ATM processing error in which the machine accepted and retained my cash but did not complete the transaction or credit my account. Despite immediate reporting and supporting evidence, Wells Fargo denied the claim without demonstrating that a reasonable investigation was conducted, including review of ATM error logs, cash balancing records, or surveillance footage.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
On the day of XX/XX/year> my account was compromised and funds were withdrawn from my account the first transaction was for {$1000.00} at XXXX XX/XX/year> {$260.00} at XXXX XX/XX/year> I called support instantly and opened a case they gave me 10 days to investigate my account I got a email stating I will not be receiving my funds back because they are assuming I was the one who make the transaction but that is not true I have screenshots and many more information stating that my account was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
i had a mortgage with rocket mortgage. I have an escrow balance of about {$980.00}. I called to request it back by wire. They told me to send handwritten instructions by email. I sent them this and then they said it has to be a voided check. I provided them a voided check with wiring instructions by email and they have just been ignoring my emails. It's been a long time now and I still haven't received my escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an auto loan with Capital One. I have stated to them that paying XXXX a month is going to be very hard on numerous occasions. I have begged for a newer payment plan for years now. I live alone and pay bills all by myself. I desperately need more time to pay. I had this loan since XXXX for a XXXX XXXX XXXX XXXX. I have paid as much as I could, it has gotten too difficult to pay, and I need the vehicle. They insisted there is nothing that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I filed a dispute regarding a transactions on my account that I believe to be unauthorized. Despite submitting my claim multiple times, the bank has denied my dispute without providing sufficient explanation or evidence. I am requesting a full review of this matter, including all documentation used in their investigation. I believe my rights under the Electronic Fund Transfer Act were not properly followed. I would like my funds returned and a detailed explanation of how this decision was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I'm filing a complaint regarding PayPals restriction of my account and refusal to release my funds. I currently have {$1000.00} in my PayPal savings account that I am unable to access due to account limitations imposed by PayPal. I have made multiple attempts to resolve this issue by contacting PayPal customer support ; however, their system relies on automated ( AI ) responses and I have been unable to speak with a live representative. The information provided to me has been repetitive and has not resolved the issue. I have already confirmed my identity and updated my security information, but PayPal is requiring me to verify a card that is no longer active. The card in question was a debit card linked to my bank account, which I had to close after being scammed. PayPal is requesting a card statement, but this is not possible because debit cards do not generate separate statementstransactions are reflected on a checking account statement. Additionally, PayPal has incorrectly requested a credit card statement, even though the card was never a credit card. I also escalated this matter by emailing PayPals executive office on XXXX XX/XX/XXXX, but received the same generic response and no meaningful assistance. Due to these unreasonable and impossible verification requirements, I am being denied access to my own funds. I am requesting that PayPal immediately release my {$1000.00} or provide a reasonable alternative method of verification that reflects the fact that the card is a debit card and no longer active. This situation has caused significant financial hardship, and I am seeking prompt resolution.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction on my Cash App account. On XX/XX/year> {$170.00} was sent from my Cash App account without my authorization. I did not initiate or approve this transaction. My account appears to have been accessed by an unknown party ( account takeover ). I immediately reported the issue to Cash App and requested a refund. However, my claim was denied, and the company treated the transaction as if it were authorized, which is incorrect. This was not a voluntary payment or a scam that I participated in. This was an unauthorized transaction resulting from a security breach of my account. I have since secured my account by changing my PIN and login credentials. Despite this, Cash App has not provided a sufficient explanation of how the unauthorized access occurred, nor have they refunded the stolen funds. I am requesting that Cash App : * Reopen and properly investigate this case as fraud * Review login activity, including devices and IP addresses used * Refund the {$170.00} that was taken without my authorization I am seeking resolution and reimbursement for this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
It is now XXXX months I have been trying to fix my credit with XXXX XXXX XXXX because my student loan lender did not allocate payment correctly, negligently said they would but did not, the account status showed missed payments inaccurately but consecutive months therefore reducing my credit for over XXXX points due to false information of the account. They said they fixed it and submitted it to both companies but both are denying my disputes even though account payment history is clearly depicting no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting on my Wells Fargo Auto account. The account was last active in XX/XX/XXXX and has since been charged off. However, it continues to be reported as past due and updated monthly through XXXX, XXXX, and XXXX. This creates the false appearance of ongoing delinquency, even though there has been no recent activity or payments. Additionally, the account reporting dates and status updates are inconsistent with the actual timeline of the account closure and last payment. I have disputed this with the credit bureaus multiple times, and the account continues to be verified without proper correction. I am requesting that this account be corrected to accurately reflect its status or removed entirely if it can not be properly verified. This inaccurate reporting is negatively impacting my creditworthiness. Thank you.

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 2026-05-06 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: OH

Complaint narrative:
Product : Checking or Savings Account ( Business ) Issue : Account opened without authorization / Identity Theft Company : Bank of America Claims : XXXX Complaint : I am filing a formal complaint regarding a fraudulent business bank account opened in my name and my companys name without my authorization. I recently registered my business with the Secretary of State. Shortly thereafter, I received a debit card at my home address for a Bank of America business account that I did not open or authorize. I contacted Bank of America, and they confirmed the following : The account is active It was opened using an incorrect tax identification number The only accurate information used was my name and publicly available business address This indicates a clear failure in Bank of Americas identity verification and account opening controls. Despite acknowledging the fraudulent nature of the account, Bank of America is now requesting that I provide sensitive personal identification and corporate documentation in order to close the account. I have significant concerns with this request, given that : I did not open or authorize this account The bank failed to properly verify the identity of the individual who opened it Providing additional sensitive information creates further risk of exposure I am willing to cooperate in resolving this matter ; however, I should not be required to assume the burden of correcting a failure in the banks onboarding and verification process without clear safeguards.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Discovered a XXXX balance on my Paypal account when I had a balance a few days earlier of over {$900.00}. Contacted Paypal and filed a claim for fraud as they said they transfered money to a debit card on my account. I had no debit card on my account. They denied claim and also the appeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
I am filing a complaint regarding my mortgage servicer, Rocket Mortgage, related to escrow requirements and insurance handling. In XX/XX/XXXX, my homeowners insurance lapsed unintentionally. I restored full homeowners insurance coverage in XX/XX/XXXX and currently maintain an active policy. After restoring coverage, Rocket Mortgage placed my loan into escrow. When I contacted their representative to ask about removal of escrow, I was explicitly told that because my insurance had lapsed for more than XXXX months, escrow would be required for the lifetime of the mortgage and could never be removed. I requested clarification on whether this requirement is based on my loan agreement or a written policy. No documentation was provided. I was only given a verbal statement. My concerns are : XXXX. I have not been provided any written clause in my mortgage agreement that requires permanent escrow due to a past insurance lapse. XXXX. I have restored continuous homeowners insurance coverage. XXXX. I am concerned that I am being denied the ability to request an escrow waiver without a valid contractual or regulatory basis. I am requesting : * Written documentation showing the contractual or regulatory basis for requiring lifetime escrow * Clarification of any conditions under which escrow may be removed * Confirmation that lender-placed insurance is no longer being charged now that I have my own active policy I believe I am being given inconsistent or potentially inaccurate information and request formal review and correction if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: LA

Complaint narrative:
Play offer a {$100.00} sign on bonus if you get a {$200.00} direct deposit and they also offer a {$200.00} sign on bonus for the person that invited you to the App after you deposit your first {$200.00} XXXX first deposit it {$49.00} it counted as a direct deposit. I secondly deposited {$200.00} as required for the {$100.00} sign on bonus. I deposited the exact same way using my routing number and direct deposit. They claim that it wasnt a direct deposit and are refusing to give me my sign on bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check on XX/XX/year> from my school reimbursement and have not been able to access my funds since. I had XXXX accounts that were restricted and had balances. The problem really started when I tried to cash it at a cash checking store and the agent they called to verify said the check number didn't come up. I had no choice but to deposit the check, this way I can pay what I owe and make good on the accounts. It took XXXX days for the check to clear, then I was told it would take XXXX days to close each account out but XXXX days each, so really XXXX days. Then Monday the XXXX I noticed the accounts were closed and my funds were transferred to the savings account. Then I was able to open a new account and was told that a virtual card would be created and I can use the card to make purchases. Today, XX/XX/XXXX I was told that I am not eligible for the virtual card and I will not receive my card until the XXXX of XXXX. That is crazy that will be over XXXX days with out my funds. I have no money for food and Capital One has left in a a hardship situation for all these days. The customer service reps don't take the time to read the notes about the XXXX calls I have made to them and what mistakes had occurred during the process. Every time I call back I get a different story. I went to the Capital One XXXX and they did what they could but still walked out with not being able to access my funds. They are not a branch and I am unable to get a debit card, I would have to go to Louisiana just to get XXXX. I am very upset about this and how they just don't care about their customers. I need access to my funds. Once I do, I will never, ever use Capital One again. Never.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Sir/Madam, I originally opened the account with an agreement where I would be reimbursed ATM fees : I was charged XXXX XXXX XXXX XXXX$35.00} XX/XX/XXXXXXXX XXXX XXXX$35.00} XX/XX/XXXXXXXX XXXX {$34.00} Total XXXX {$100.00} I spoke to an agent and supervisor who informed me that ATM withdraws are considered international purchases and I was charged three percent ( 3 % ) accordingly. This ATM charge first appeared on my account in XXXX and has never been attempted on any years previous. I would kindly ask TD Bank to honor our initial agreement where all ATM fees would be reimbursed at the end of the billing cycle. Thank you much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I discovered that someone had accessed my banking information and transferred XXXX dollars from bank account to my XXXX XXXX account and then proceeded to change all of my information to theirs allowing them to transfer my funds to their own personal accounts. None of these transactions were authorized by me. I immediately contacted my bank, started a dispute, changed my bank cards, and filed a police report. I also contacted the merchant XXXX XXXX and they informed me that someone had accessed my XXXX XXXX changed my information to theirs and then transferred the funds after transferring the funds they deleted my account permenantly. I have my police report, the files I aquired from XXXX XXXX showing the money was deposited into someone elses account as well as the case number for Chime to access during their investigation. This was fraud by deception and identity theft. I did not give anyone permission to my account or my funds. Even with all of this information Chime claims to have found no error and is not acknowledging any of the facts provided to them and refuse to grant me my money back. I do not believe they handled my dispute ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was in a settlement with Citi Bank for a Best Buy store card. The agreement was 2 payments of {$190.00} & 1 payment of {$190.00}. the last payment was due by XX/XX/XXXX. I set the payments to auto withdrawal. I was going on thinking everything ok with payments. Until I received a call and text saying my account needed attention and I needed to make a payment. On XX/XX/XXXX around XXXXXXXX XXXX I called Citibank Credit Card customer service & spoke with an agent who informed me there was nothing wrong with my account, all 3 payments received and to allow 30 days for system to update. On XX/XX/XXXX I find out my account has been charged off and it's now delinquent because the XXXX payment wasn't received. I would have made that XXXX payment on XX/XX/XXXX if that agent hadn't told me everything was received and I didn't owe anything. I never received any email or mail letting me know there was an issue with the XXXX payment. The agent told me to ignore the call and text message.

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 2026-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am filing this complaint against AmeriHome Mortgage because the company has failed to properly address multiple issues affecting my mortgage account and monthly payments. First, AmeriHome incorrectly increased my escrow and mortgage payment based on inaccurate property tax information. The company claimed my annual property taxes were approximately {$12000.00} per year ; however, my taxes were reduced to approximately {$7900.00} annually. In addition, I moved into the property in XX/XX/year>, making the escrow calculations and alleged shortage appear inaccurate and overstated. Despite notifying the company of these discrepancies, the issue remains unresolved. Second, I applied for mortgage hardship assistance due to disability and provided supporting documentation, including my XXXX XXXX XXXX award letter. Instead of properly reviewing and addressing my hardship request, AmeriHome failed to provide meaningful assistance or clear communication regarding available loss mitigation options. Third, I requested communication primarily through email for documentation purposes, but the company has continued handling matters inconsistently and has not adequately responded to my concerns in writing. I am requesting that XXXX : XXXX a full escrow and payment review using the correct property tax information. Correct any inaccurate escrow shortages or payment calculations. Properly review my hardship application and disability documentation. Provide clear written explanations and communication regarding my account status and available assistance options. Stop reporting inaccurate payment obligations while the dispute is under review. I am seeking a fair resolution and accurate servicing of my mortgage 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