vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello, I deposited a check with a reasonably high value on XX/XX/XXXX in XXXX, CT at Bank of America. When I deposited it, they said some of the funds would be available the next day, XX/XX/XXXX, but no money was deposited. The rest was supposed to be available on XX/XX/XXXX, but today is XX/XX/XXXX and no money has been deposited. The bank says they need to perform verifications. The funniest part is that it was a check issued directly by the bank of the person who paid me ; there's no way it could be fraudulent when the person goes to the teller and requests a direct check to be issued. And yet, Bank of America is withholding my money. This is disrespectful to the customer. I am very disappointed with this. I know there are rules, but the money hasn't been in my client 's account since the XXXX, and it still hasn't been deposited into my account? This is a joke and a complete lack of respect. Bank of America is getting worse every year and leaving its customers without any support. I haven't received any email about a date change, and I'm still waiting for my money, and Bank of America won't release it. I am very disappointed ; I've had my account for over 10 years, and this is absurd.

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 2026-01-26 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: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Contract was signed with GoodLeap on XX/XX/XXXX to finance a new air conditioner unit at our home. The total contract amount was {$21000.00} which was signed with no interest for 12 months and no termination/pre-payment penalty. The same amount was included in the Truth in Lending Disclosure Statement on page 2. The contract was paid in full on XX/XX/XXXX. On XX/XX/XXXX a bill for {$40.00} was received and stated that it was overdue. Upon calling the company they referred us to page 5, paragraph 5 which authorized them to file a UCC filing in the county/state where we lived. I questioned why these charges were not identified in the Truth in Lending Disclosure Statement and they said that they were not known and that they needed the agreement in order to file the UCC filing. I stated I understood that they needed the agreement to file the UCC filing but did not understand why the amount was not identified in the contract. I asked for the amount to be removed, they referred me to the supervisor XXXX XXXX XXXX who stated that they would not be removing the charge until it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Received alerts from credit monitoring company that there had been a hard pull on my credit from Wells Fargo Auto. Contacted Wells Fargo and was told XXXX XXXX XXXX XXXX had requested it. This is on XX/XX/year>. I had not authorized a credit check and was not trying to buy a vehicle from them, I had looked into it on XX/XX/year> but did not proceed. I have tried to contact general manager at this dealership but he doesnt return my calls.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, The company is telling me I withdraw {$1000.00} out of my checking account on XX/XX/2025 and I did not make that withdrawal. I already called the fraud department from Wells Fargo and they said they were gon na investigate then they sent me a letter but they denied it because they said it was withdrawn with my pin and that is not true. They did not say who they saw in the cameras or if they saw anybody in the camera when I told them about the evidence. 

I went back to the bank, where apparently the withdrawal was made, and they sent me back to the fraud department at Wells Fargo. Then the fraud department at Wells Fargo sent me back to the bank location, where apparently the draw was made. 

I feel theyre going back-and-forth and I need an answer because I need my money. 

I am XXXX XXXX XXXX and the money I have in the bank is from my Social Security. 

I dont have anymore just what I get from the Social Security and I am very disappointed that this happened and Wells Fargo could not give me an answer.

If they said, apparently they was taking with my pin I want to see the cameras and find out what happened. I am 100 % sure I did not take out any money.

I would like another resource to help me find out what happened, which is why I am reaching out to your department. 



My full name is XXXX XXXX XXXX XXXX XXXX and I bank with Wells Fargo the incident happened XX/XX/2025 and it was for the amount of {$1000.00}.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
See attached Demand letter to provides specifics, but in essence Chase opened a checking and savings account for decedent XXXX XXXX who selected " POD 's '' or beneficiaries who are also Trustees on her Estate. They issued repeated instructions to Chase to remunerate the funds in the account, which Chase refuses to do, along with refusing to provide account statements etc. Chase has essentially converted the funds left in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/year>, I was on the phone with a Us bank checking account customer service like 30 minutes. I kept asking her about how I can waive for maintenance fee of US bank Smartly Checking Account. One their website they are specifically said that if you have a " personal XXXX XXXX XXXX XXXX for XXXX customers. Cards must be open and in good standing ( not past due or overlimit ) and you are the account owner. If a qualifying credit card is closed at any time, you will no longer be eligible for the monthly maintenance fee waiver associated with this card. No limitation on the number of U.S. Bank Smartly Checking accounts that can receive this benefit. '' will qualify for the fee to be waive. The lady over the phone name XXXX continue to lie or give me wrong information without able to back it up. She emailed me a brochure that is out of date or a snap shot. When I told her to go to the US bank website and read what they wrote on the website, she refused and redirected me back to old information. I found US Bank people has been lied to me many times. This is very sick and unhealthy for culture of a bank to be practice since they are working with money. I need you to investigate their culture of honesty and intergrity throughly and stop them from keep lying to customers for their schemes. For their general customer service line of XXXX ( XXXX ). If you can fine them, ask them to pay me {$100.00} for their wasted time and energy of mine today from XXXX XXXX  with their lies. 
The two staffs I talked to is XXXX and XXXX, which both is very unhelpful, and making the customers repeating many times and then asked to transfer somewhere else, refused to see the website with current, most updated information, emailed fake, outdated ones ( 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 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
Subject : Dispute regarding inaccurate collection reporting by XXXX XXXX XXXX of CA ( Reference : XXXX XXXX XXXX XXXX Invoice XXXX ) 1. Incident Background and Initial Dispute Between XX/XX/XXXX and XX/XX/XXXX, I rented a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX ( Transaction processed via my XXXX XXXX XXXX  ). Upon returning the vehicle on XX/XX/XXXX, the car was in the exact same condition as when I received itundamaged and without any incident. 

Months later, I received a shocking invoice ( XXXX ) for {$11000.00}, claiming " vehicle damage. '' Despite my immediate and repeated requests for evidence, neither the rental company nor the collection agency has provided a single photograph, police report, or third-party repair estimate that proves any damage occurred during my rental period. 

2. Insurance Involvement and Over-reporting To resolve this in good faith, I involved my insurance carrier, XXXX ( Claim # XXXX XXXX XXXX ). XXXX processed the claim and paid the repair portion ( approx. {$7600.00} ). However, the collection agency, XXXX XXXX XXXX of CA ( XXXX ), continues to report a balance of {$12000.00} on my XXXX  credit report ( Report # XXXX ). 

This reported amount is not only inaccurate but appears to include predatory " XXXX XXXX Fees '' ( {$2900.00} ) and inflated interest, failing to reflect the substantial payment already made by XXXX. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy of reported information. 

3. Failure to Communicate and Lack of Resolution Path I have made multiple attempts via email and through my assistants to resolve this matter. Specifically : Lack of Proof : The collection agency has failed to provide " Debt Validation '' as required by the FDCPA. They have not proven the validity of the underlying damage.

Obstruction of Credit Repair : I have asked XXXX multiple times for a clear path to resolve this and remove the derogatory mark from my credit report. They have been unresponsive or provided vague answers, leaving me in a position where I am being penalized for a " debt '' that is largely paid by insurance or consists of unverified administrative fees.

4. Desired Resolution I am requesting the CFPB 's assistance to : Compel XXXX XXXX XXXX of CA to provide actual evidence/photos of the alleged damage. 

Force the agency to update the balance to reflect XXXX 's payments accurately. 

Complete removal of this collection record from my credit reports ( XXXX, XXXX, and XXXX  ), as the reporting is inaccurate, the fees are predatory, and the original claim of damage is unsubstantiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
To begin with on XXXX XX/XX/year> My account was charge XXXX dollars, and XXXX those two different charges was maid without my consent or permission. I filed a dispute with my bank by the name of Chime. XX/XX/year> was when the claim was being investigate by chime, but it still has not being resolved. I never purchased or received anything from the company bye name of XXXX XXXX XXXX. Chime has also allowed people to take from my account without my knowledge, i never received my money back. 
My dispute # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I receive calls daily around XXXX XXXX CST, would like for them to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I contacted Chase Bank after noticing that multiple checks had been deposited into my account bearing signatures or names that I do not recognize and that do not appear to match either account holder or any authorized individual. 
I was on the phone with Chase for approximately 40 minutes. The representative provided the dates the checks were processed and then transferred me to the fraud department. A fraud claim was opened ; however, I was later informed that the claim was denied because the checks were reported outside of Chases 60-day reporting window.

While I understand Chases position regarding the time frame and am not disputing the denial of reimbursement, I am very concerned that these checks were accepted and deposited in the first place despite having signatures or names that did not match the account holders. This indicates a failure in Chases fraud detection and deposit verification procedures.

Additionally, I found Chases resolution unsatisfactory, as I was advised only to visit a local branch without any meaningful explanation or accountability for why these checks were allowed to be deposited. I am submitting this complaint to request a review of Chases internal controls, policies, and handling of this matter, as well as a formal explanation of how these deposits were permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, my auto loan payoff was sent to TD Auto Finance through XXXX XXXX XXXX. In XX/XX/XXXX, TD confirmed by phone that the loan was paid in full and that there was an overpayment of more than {$1000.00}, which TD stated would be refunded by check within a maximum of 15 days. As of XX/XX/XXXX, I have not received the refund check, and I have not been provided any written proof of when the check was issued or mailed. 

In addition, I requested ( twice, by fax ) a paid-in-full/payoff letter showing the payoff date and a {$0.00} balance, which I need to process my XXXX XXXX refund. TD has not provided this documentation. I have made repeated attempts to resolve this directly with TD, and I am exhausted from having to follow up for a refund and basic payoff confirmation that should have been handled promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: PA

Complaint narrative:
I received an alert that there was a hard inquiry on my account from Wells Fargo. After further review, it was noted that a checking and savings account was opened via Wells Fargo. I have never dealt with Wells Fargo! I was advised that it was a Retail account referring to XXXX. I am not aware of this at all and I did not open ANY accounts with Wells Fargo. I put a freeze/block on all accounts with XXXX, XXXX  and XXXX. Ive made multiple calls to Wells Fargo to have any accounts closed. The most recent call was today, XX/XX/XXXX. I have made calls or sent emails since XX/XX/XXXX. The 1st alert received was on XX/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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In XX/XX/year>, I paid XXXX in full at the counter for a shipment using a credit card. I was charged twice on the same day for {$36.00} and {$50.00}. XXXX issued a same-day refund of {$10.00}, resolving the duplicate charge. 

Approximately XXXX months later, I began receiving invoices for {$10.00}, which I discarded because the shipment had already been paid in full. 

I later received collection notices from Transworld Systems Inc. demanding {$24.00} and claiming to collect a past-due debt on behalf of XXXX XXXX XXXX XXXX The notices list invoice numbers XXXX and XXXX. 

I contacted XXXX XXXX Services to verify the alleged debt and invoice numbers. XXXX confirmed they have no record of any unpaid balance, stated that their invoices are XXXX digits and do not recognize the numbers provided, and advised that the collection attempt is not legitimate and that I should not pay. 

Despite this, Transworld Systems Inc. continues to send collection notices without providing valid verification. I dispute owing this debt and request that all collection activity stop and that no credit reporting occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I have previously disputed this debt and requested validation. Their response stating that the debt is verified is insufficient and does not meet the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, nor the Fair Credit Reporting Act ( FCRA ).

To date, they have failed to provide adequate documentation proving that I am legally obligated for this debt. I am formally requesting that they provide the following : ( 1 ) Documentation showing how and when this debt was assigned to Harris & Harris ( 2 ) Proof that they are authorized to collect this debt ( 3 ) Any identifying information used to verify that this debt belongs to me Until such documentation is provided, they must cease all collection activity and immediately stop reporting this account to all credit reporting agencies.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: FL

Complaint narrative:
There is not date or amounts, but they consistently contact me via phone call and message to my phone, and I have frozen my credit, also this debt 100 % not belong to me, indicating like a phishing message from Unifin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am filing a complaint regarding Synchrony Banks handling of a billing dispute on my PayPal XXXX XXXX account. 

I disputed a charge for merchandise that I never received. The merchant provided a XXXX tracking number as proof of delivery. XXXX subsequently confirmed that this tracking number corresponds to a shipment addressed to a different recipient at a different address and that it was correctly delivered to that other party. XXXX explicitly characterized this situation as fraud, not misdelivery. 

I provided Synchrony Bank with written documentation confirming that the tracking number does not belong to a shipment addressed to me and therefore does not constitute valid proof of delivery under card-network rules. Despite this, Synchrony closed the dispute and reinstated the charge, stating only that delivery was confirmed.

Synchronys response does not address the material evidence submitted and relies on delivery confirmation that XXXX has confirmed is unrelated to my address. This constitutes a failure to properly investigate a billing error involving non-receipt of merchandise. 

I am requesting that Synchrony Bank conduct a proper review of the dispute, disregard the merchants invalid delivery evidence, and correct the billing error consistent with applicable credit-card dispute standards.

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 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: ME

Complaint narrative:
LoanCare has repeatedly mishandled my escrow account. I filed a CFPB complaint on XX/XX/XXXX regarding escrow errors, which were not fully resolved. On XX/XX/XXXX, LoanCare received my Qualified Written Request ( QWR ) under RESPA requesting escrow history, escrow calculations, and correction of errors. As of XX/XX/XXXX, I have received no acknowledgment or response by mail or online. I also received a XXXX from LoanCare for {$43.00} related to escrow interest, without explanation.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a complaint against Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices. which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Requlation E. These actions have caused sianificant inconvenience and financial loss. and I seek appropriate redressA payment was sent to a merchant who did not have legal ownership of merchandise on XX/XX/XXXX. I reached out to the true owner on XX/XX/XXXX they stated that the item was wholesaled to a dealership in Indiana however when I contacted the Indiana dmv fraud investigation line on XX/XX/XXXX they stated that that the merchants claims were false as they havent issued wholesale licenses since XXXX. I contacted cashapp twice XX/XX/XXXX and XX/XX/XXXX with the information that proves i was scammed and they stated that they conducted an investigation but had no factual evidence behind their conclusion.

Company response to consumer: Closed with explanation