vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, we sold a house -- that was closing day. Fifth Third Bank was our lender ; that is who I am complaining about here. I was not given the ALTA until about 2.5 hours before closing, at which point I noticed right away that we seemed to be short about {$4500.00}. It turned out that they had made a " forced '' payment of insurance when we let ours lapse briefly. When called them on XX/XX/XXXX ( multiple times ), they admitted they owed us money for that, as we had only used about 2 months of the insurance and they were charging us for a full year, so I went ahead and signed the ALTA ( under extreme pressure from our real estate agent ). I have now spent about 7 hours on the phone with them, in the weeks since then, just trying to get them to send us our refund check ( see attached photos ). It has been a nightmare, with bungling from them at every turn. We changed our address on XX/XX/XXXX in their system ( See attached emails documenting this ). Nevertheless, on XX/XX/XXXX they sent a check to our old address. In two of about 18 calls that I have made to them, I was told by 2 different supervisors that the check was sent to the correct address, our new address. Only when I finally got through to our " case owner '', someone called XXXX, was I told, in late XXXX, that they had in fact sent it to the wrong address ( Maybe someone had put false notations in the record to cover their tracks?? ). By the time I heard that the check had gone to the wrong address, they were already in violation of RESPA ( 1034.24 ) : it had been more that 20 business days since we had closed. We are now on day 29 on that clock. I kept calling, and was informed that XXXX had been taken off my case and XXXX would now be handling it. That was on Friday, XXXX. The supervisor I spoke to, XXXX, assured me that XXXX would probably call me back before the close of business on that day. But he did not, and on Monday, XXXX, I called again and tried to get through to XXXX. I was given his direct number, where I left a voice mail. I have spoken to a lawyer. I will have to go ahead and retain them if we don't have the funds on Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I took out a vehicle title loan of {$910.00} secured by my XXXX XXXX XXXX. I never made a payment. The lender claims a Notice of Right to Cure Default was mailed XXXX XXXX, 2025. However, XXXX certified mail XXXX records confirm the notice was not accepted by XXXX until XX/XX/XXXX, arrived at my local distribution center XX/XX/XXXX, was marked Unclaimed/Being Returned to Sender on XX/XX/XXXX, and was delivered back to the lenders corporate office on XX/XX/XXXX. The notice was never delivered to me. The lender had confirmed knowledge that the notice was returned unclaimed on XX/XX/XXXX 56 days before repossessing my vehicle on XX/XX/XXXX. No follow-up attempt to notify me was made during those 56 days. On XX/XX/XXXX the day after the stated cure date the lender left me a voicemail stating it was in my best interest to call back before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On or about XX/XX/XXXX a levy was filed against my checking account for XXXX. On the XXXX TD fraud dept received a letter from the court to release the money back into my account, which should have never been taken out, regardless a court order was sent to TD to the levy dept twice from the court and a few times, from myself. I spent three hours on the phone, they never picked up, left a call back to the XXXX XXXX XXXX XXXX, and after eleven ( XXXX ) working days no action has been taken, this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
In XXXX 2020, I purchased my first home. About XXXX year later, on XXXX XXXX, 2021, I refinanced my mortgage in an attempt to secure a better rate and lower payment. At the time of refinancing, I also had purchased a vehicle, and the lenders informed me that my refinance might be affected due to my car loan. However, I was ultimately told that my refinance had been approved and the loan was successfully completed, with only a small reduction in my monthly mortgage payment. Approximately 11 months later, I was contacted by the lender and informed that they were attempting to whole sell or transfer my loan to another company. I was then told there was an issue preventing the loan from being sold due to my alleged failure to disclose my car loan. I was pressured to change or restructure my financial situation, including being told I needed to transfer the car loan into another persons name in order for the mortgage loan to be accepted by another company. Shortly after, I was told I would need to complete a second refinance. The new terms included a significantly higher interest rate ( approximately 6 % ). I refused this offer, at which point I was contacted by senior representatives, including executives and loan officers, who stated that I could lose my home and that foreclosure was a possible outcome if I did not agree to the new terms. I felt intimidated and pressured into agreeing because I had no prior experience or understanding of real estate or mortgage processes. I believed I was at risk of losing my home if I did not comply. As a result, I agreed to the new refinance under pressure and fear of foreclosure, even though I did not fully understand or agree with the changes being made. I am filing this complaint because I believe I was misled and pressured into restructuring my mortgage under unfair circumstances, and I am requesting a full review of the lenders actions and the refinance process

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Same issue with two different banks. ( XXXX XXXX XXXX XXXX Bank of America ) Around the same time. The latter I just gained access Friday XX/XX/year> after 2 years although I was able to XXXX the account to see if it was still open XXXX of this year. Initially with Bank of America ( BOA ) I needed an email change and update my phone number which I did over a year an a half ago in person at a Branch in XXXX, NC where I currently live. However I noticed that after I gave my new email & phone # in person after they verified my identity with the same debit card I had for 3 years and my Drivers License I still couldnt access my account. What makes it more discouraging is that you have to wait and hour on hold to get representative. Now I suspect they are cloning accounts or have someone else using my tax ID because after I gained access to my account on Friday its already Monday and theyre are saying that my phone number is no good and when I Itried to enter my SS # in the verification process it said it was the incorrect business account number, when I do not have a business account. Also when I requested a review of my accounts from IRS to check for back taxes it showed I had an account at BOA with {$7500.00} Ive never had a balance of {$1000.00} at one time. So something isnt smelling right. So when I provide all the necessary verification points they seem to just ask questions that tend to be more identity theftish like than giving me access based upon proper security checks that Ive already passed and given. So when I have my access codes set up or email to get into my accounts with same phone and number, a number pops on screen to call in for an access code. Same issue with XXXX to the point Im in the process of closing my account with both banks but its become a task where they wont let me close it out. Im concerned about these accounts being used in my name for nefarious purposes. So just a little history these issues with BOA started about XXXX years ago and XXXX just started last year. They make it extremely difficult to gain access of my accounts and Im concerned that my name and tax id is being used by these institutions for nefarious reasons. Imagine Im not the only one for I remember over a year ago walking into BOA to gain access to my accounts there was an elderly women extremely frustrated for the same issue and she was hollering she was done with BOA and they just brushed her off when she wanted to close her accounts.

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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
* * Formal Federal Consumer Protection Complaint Letter Regarding Messerli & Kramer P.A . * * Re : Violations of FDCPA, FCRA, and Unfair Collection Practices To Whom It May Concern : I am submitting this complaint regarding the conduct of Messerli & Kramer P.A., a debt collection law firm acting on behalf of XXXX XXXX. Their actions raise serious concerns under federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX. Failure to Provide Required Validation ( FDCPA 1692g ( b ) ) I submitted a timely written dispute to Messerli & Kramer regarding the alleged balance. Despite this, the firm : did not provide a complete accounting, did not provide original contractual documentation, and did not provide verification from the creditor confirming the accuracy of the amount claimed. Under FDCPA 1692g ( b ), Messerli & Kramer was required to cease all collection activity until proper validation was provided. They continued collection efforts without meeting this requirement. This is a direct violation of federal law. 2. Failure to Investigate and Report Accurate Information ( FCRA 1681s2 ( b ) ) After receiving my dispute, Messerli & Kramer was obligated to : conduct a reasonable investigation, correct or delete inaccurate information, and report the account as disputed to the credit bureaus. Messerli & Kramer failed to mark the account as disputed and continued furnishing information without resolving the dispute. This may constitute a violation of FCRA 1681s2 ( b ). 3. Attempt to Initiate Litigation Without Proper Investigation Instead of resolving the dispute or providing the required documentation, Messerli & Kramer escalated the matter toward litigation. This conduct suggests an attempt to : pressure me into a default judgment, bypass the validation process, and proceed without confirming the accuracy of the alleged balance. I want to make it clear that I am fully prepared to defend myself, and I will also pursue Messerli & Kramers violations in federal court if necessary. 4. GoodFaith Negotiation Attempts ( Federal Rule of Evidence 408 ) I made goodfaith efforts to resolve the matter and attempted to negotiate under Federal Rule of Evidence 408. These efforts were not reciprocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One XXXX engaged in a deceptive marketing bait-and-switch and subsequent account retaliation regarding a major consumer purchase. I activated a 11 % cash-back ( {$1000.00} max reward ) promotional offer which Capital One XXXX sent to me, for an appliance purchase at XXXX. XXXX & XXXX totaling approximately {$10000.00}, expecting a {$1000.00} reward. I followed all terms explicitly and captured a continuous video screen recording of the entire process from activation to checkout to ensure proof of compliance. Capital One subsequently denied the reward, claiming it was ineligible. When I protested, Capital One XXXX issued a partial {$250.00} credit. When I continued to dispute the missing {$750.00} balance, Capital One retaliated by banning my account, cutting off my access to my earned rewards. Capital One is using account deactivation as a tool to silence consumers who contest high-value reward tracking failures. I have complete video evidence of my compliance. I am seeking the immediate unbanning of my account and the payout of the remaining {$750.00} owed to me under the advertised promotional terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX of 2025, my PayPal account was hacked for approximately {$3500.00}. I reported the Fraud to PayPal. They pushed all but {$600.00} over to my default credit card with XXXX bank. XXXX wrote off all of the charges. PayPal continued to harass me for payment of the {$600.00}. Then I receive an unsolicited credit card from XXXX Bank with a {$600.00} balance. I explained the circumstances to XXXX. They are continuing to call, Email and Text me demanding payment. I continue to refuse payment for a debt that was not incurred by me. My bank notified me there had been a negative report issued by XXXX for a payment more than 30 days past due. My FICO rating was lowed XXXX points. This situation has been in the works for approximately 8-9 months now. I believe the action by both PayPal XXXX XXXX are in violation of Federal laws regarding truth & lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credova Holdings Inc
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I purchased ammunition and accessories totaling {$850.00} through ammunitiondepot.com and selected " Pay over time with Credova '' as my payment method. At no point during the XXXX XXXX checkout process was I informed that I was entering into a closed-end consumer product lease. The checkout flow displayed only item prices, an estimated total of {$880.00}, and a payment option labeled " Pay over time with Credova. '' The words " lease, '' " rent-to-own, '' " total of payments, '' or any disclosure of the true total cost of {$1800.00} were never presented before I placed my order. Only after submitting my personal information including my Social Security Number did I learn I had entered a lease. The true total cost nearly double the purchase price was only discovered when I logged into my.credova.com to make a payment. I did not receive a copy of the lease agreement via email at the time of signing. This violates the Consumer Leasing Act ( 15 U.S.C. 1667 ) and Regulation M, which require all material lease disclosures to be made clearly and conspicuously before the consumer is obligated. Describing a closed-end lease as " pay over time '' without disclosing the lease nature or total cost is a deceptive practice. The lease servicer is Credova XXXX XXXX XXXX, Lease # XXXX, XXXX XXXX XXXX XXXX, XXXX, MT XXXX. I am requesting investigation of both XXXX XXXX and Credova XXXX and cancellation or reduction of the lease obligation to reflect the actual purchase price of {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In early 2024, I agreed to serve as an authorized signer on a business checking account for a company called XXXX XXXX XXXX XXXX as a personal favor. Without my knowledge or consent, someone used my personal information to apply for a Chase business credit card. I never applied for this card, never signed any credit agreement, never received or activated it, and never authorized anyone to apply on my behalf. XXXX XXXX In XXXX 2026, I discovered a delinquent Chase credit card account listed under my name on my credit report with approximately {$23000.00} in unpaid charges, already XXXX months past due. I had never received any card, statement, or notification. XXXX XXXX I sent a formal dispute letter to Chase 's Fraud & Identity Theft Department. Chase initially removed the account from my credit report. However, approximately one month later, the same account reappeared on my credit report under my name with the same delinquent balance. I have filed an FTC Identity Theft Report ( No. XXXX ) and a police report with the XXXX XXXX Police Department ( XXXX. XXXX ). I am requesting that Chase permanently remove this fraudulent account from my credit profile and provide written confirmation that I bear no liability for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
I moved out of XXXX XXXX on XX/XX/year>. The landlord never sent the required XXXX itemized list of deductions and never returned my security deposit as required under Pennsylvania law ( XXXXXXXX XXXX XXXX ). I provided my forwarding address on XX/XX/year> and received no itemized list, no bill, and no communication. Months later, I discovered a collection account on my credit report with no prior notice from the landlord or the collection agency. I never received any written notice, itemized charges, validation, or documentation explaining the amount. The only communication I ever received were automated text messages repeating a balance with no explanation. I disputed the account with the credit bureaus and sent a debt validation request and certified letter to the collection agency. They have not provided any validation or documentation. The company is attempting to collect a debt that is legally invalid and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was told my account is gon na close but I still have XXXX XXXX from a XXXX for work thats frozen in the account while they do a investigation even tho I provided proof and proof and proof of it being a legitimate transaction, I just want them to either send the money back to the sender or close my account already and give me my check, its been long already since early may where this has been going on. Please help my bank is capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year>, I discovered I was locked out of my PayPal account due to an unauthorized hack and account takeover. Upon regaining access with support, I found the perpetrator had executed many ( dozens if not hundreds ) unauthorized transactions to completely deplete approximately {$3900.00} of my cryptocurrency balance. PayPal support initiated a fraud investigation. To track this issue and ensure compliance, I maintained rigorous, proactive contact with PayPal support. According to my phone carrier records, I placed outbound calls to PayPal support on the following dates in XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Throughout this multi-month period, I received highly inconsistent and conflicting information from PayPal. When automated negative balance alerts began appearing on my account, PayPal 's human support agents explicitly reassured me during our telephone conversations that the balance was merely a temporary " hold '' in place while the fraud team finished their investigation. When I mentioned the negative balance alerts I was receiving, I was explicitly told by support staff to ignore the " automated '' alerts. Relying on these official verbal assurances, I waited for a formal, conclusive update on the fraud investigation while my account remained XXXX. On XX/XX/year>, I called for a status update and discovered for the first time that PayPal had concluded the investigation on XX/XX/year>. PayPal failed to send a clear, official notice explaining the outcome of the investigation, leaving me to rely on the false assurances of their phone agents who, as late as XX/XX/XXXX or XXXX, were still telling me the case was an open " hold. '' PayPal has sustained a fraudulent negative balance of {$4900.00} against me and is blocking my access to the account, refusing to provide the documents necessary for me to audit what I am being held accountable for. When transferred to PayPal 's " Negative Balance Team '' on XX/XX/XXXX, agent admitted that while the majority of micro-transactions were confirmed fraud, they were attributing {$4900.00} of crypto purchases to me. They could not explain where the assets went or provide documentation, and instead stated I should pay the balance before the debt is sold to outside collectors. PayPal is in direct violation of the Electronic Fund Transfer Act ( Regulation E ) by failing to shield me from liability for a documented, unauthorized account takeover. They are attempting to hold me financially responsible for losses stemming directly from a criminal cyber breach. Furthermore, PayPal compounded this issue by providing deceptive, conflicting information through their support agents, which actively prevented me from understanding the true status of my account and responding within their timeline.

Company response to consumer: Closed with monetary relief