vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
URGENT SUPPLEMENTAL EVIDENCE & ESCALATION TO COMPLAINT # XXXX This is a formal escalation of an existing complaint regarding Bank of Americas XXXX XXXX of the Expedited Funds Availability Act ( Regulation CC - 12 CFR 229.13 ). As of XXXX XXXX EST on XX/XX/year>, Bank of America has allowed my business account ( XXXX XXXX ) to remain in a negative balance ( - {$430.00} ) for the entire business day despite having no legal standing to maintain an exception hold. STATUTORY VIOLATIONS : FAILURE TO PROVIDE MANDATORY NOTICE : Bank of America failed to provide the required written " Notice of Exception Hold '' by the Day XXXX deadline ( XX/XX/year> ). Per Regulation CC, they have forfeited their right to maintain this hold. UDAAP VIOLATION ( UNFAIR PRACTICES ) : By withholding my operating capital without legal notice, the bank has caused documented financial hardship, including the inability to pay for food and critical business storage ( XXXX XXXX ). EVIDENTIARY RECORD : I have attached a sequenced, hour-by-hour timeline of screenshots from today ( XXXX, XXXX, XXXX, and XXXX ) proving that Bank of America willfully ignored multiple requests for compliance throughout the business day and the copy of the receipt from the Branch Financial Center. XXXX XXXX XXXX XXXX, XXXX XXXX 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 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash In Minutes
State: UT

Complaint narrative:
I was late with my payment, I told the company that I had recently lost my job & was coming up with the funds to get them paid with in the next few days, I was then threatened with repossession if my car ( which was not put up as collateral as it is not a title loan ) and threatened to be arrested if my payment was not in by the end of the day. I was then told my payment amount was higher than I was told, and sent them the picture of my contract and they told me no it was a higher payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I became aware that someone had created a fraudulent check from my commercial banking account. My bank reached out to the bank where the check was cashed and according to a response they mailed back, they seem to acknowledge that the check was fraudulent but will not return the funds because the account where the check was deposited has insufficient funds at this time. I believe the bank where the check was cashed is liable in part or in whole for the fraudulent check they cashed and should return whatever funds are in the account owned by whomever committed the fraud. Failing to do so is protecting a criminal and in my estimation makes the bank complicit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I received an email that my Cash App email and linked phone number had been changed. I did not do either. Someone was able to break into my account and claim it. Despite contacting them multiple times, and even having the case " escalated '', I have not heard anything from them. My account and money in there ( around {$800.00} ) is not accessible to me anymore. I can provide them anything they need. IDs, passport, account numbers etc. But what they ask for is the email and phone number, which as I said, has been changed from the original account. It is difficult to get through to someone who takes my matter seriously. The last contact I had with them they said they had no information to share at this time. I am attaching the emails I received, as well as emails I received before this, that prove I previously was the owner of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: IL

Complaint narrative:
I applied for the Bilt XXXX XXXX on XX/XX/year>. On XX/XX/XXXX, I received an email asking me to verify my ID to complete the application. When I clicked the verification link, it only showed that my application was under review and did not allow me to submit the verification. Since then, my application has remained pending with no approval or denial. I contacted Bilt Rewards support multiple times, including requesting a supervisor review, and was told my case was escalated for further review. However, I have received no follow-up or resolution, and the verification process is still not functional. More than 30 days have passed, and I am unable to complete my application or get a clear status update. I am requesting that Bilt provide a functional way to complete the ID verification and approve my application, or provide a written explanation of why the application can not proceed and what steps, if any, are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I returned the car to XXXX in 2022. They never sent paperwork when they picked the car and sold it at a car auction but sending collections letters with different amount owed. The was 1 month from being paid off but they keep changing interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My mortgage juat spiked by {$600.00} a month. I checked out why and my escrow says I have $ XXXX in it but it shows I have {$0.00} on tje graph. It aslo is projecting double my insurance premium this year which is why my payment went up. I tried calling for the past XXXX days and its just XXXX minutes of hold then the line goes dead. I cant talk to anyone about it and my payment is due next week. I dont know what to do. I have screenshots and the erroronus escrow analysis

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. 6. Surety bond information ( if required by law in your jurisdiction ). 7. A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 8. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : * 15 U.S.C. 1692e - False or misleading representations * 15 U.S.C. 1692f - Unfair practices * 15 U.S.C. 1692g - Failure to validate debt 1. If t his account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 2. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. XXXX. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
I have never got a 1099 when company sold off debt which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I filed a CFPB complaint against Bull City Financial Solutions on XX/XX/year>. On XX/XX/year>, Bull City responded that they instructed all 3 credit bureaus to remove the account from the consumers credit file and that all collection activity would cease. Despite this, TransUnion is still reporting the Bull CityXXXX XXXX account ( Acct # XXXX ) on my credit file dated XX/XX/year>. XXXX is reporting information that the furnisher has already declared inaccurate and ordered deleted, violating 15 U.S.C. 1681e ( b ) and 1681i. I am requesting immediate deletion and confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank checking accounts are now being charged a {$15.00} fee for accounts with balances below {$30000.00}, but they also claim to waive the fee so long as clients have auto deposits into the checking accounts in excess of {$250.00}. We have auto deposits in excess of $ XXXX monthly. Some months the charge would show up and other months it would not. When challenged to refund the charge, they have done so with a great deal of resistance and offered unacceptable explanations. Some of their documentation shows the fee waiver in effect while still charging the fee. It appears that this practice is deliberate and aims to capitalize on many consumers not noticing the charges given that they do not occur regularly. With millions of customers being exposed to the practice, Citi stands to earn millions in fees from customers that dont notice the fees being charged intermittently or just dont want to take the time to challenge the fees.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing this complaint against Capital One regarding the abrupt and unjustified closure of my Savor and Quicksilver accounts, which resulted in the loss of earned rewards. This is the second time Capital One has closed my accounts immediately prior to reward disbursement. In XX/XX/2026, I contacted Capital Ones AI assistant to request a credit limit increase to accommodate upcoming expenses. The AI explicitly informed me that I could exceed my current limit. Based on this guidance, I made purchases that Capital Ones system reviewed and approved. By late XX/XX/2026, I had fully paid off the balances on both the Savor and Quicksilver accounts. Despite my accounts being paid in full, my adherence to the guidance provided by their own AI interface, and Capitol One approving the purchases that were over my credit limit, Capital One closed both accounts. When I contacted customer service, I was told the accounts could not be reopened. Critically, on XX/XX/XXXX, XXXXthe same day as this filingCapital One sent me a marketing email with offers to open new Savor, Quicksilver, and XXXX accounts. It is contradictory and predatory to close established accounts for " risk '' after providing the AI-guided permission to spend, only to immediately solicit me for the exact same products. This sequence of events appears designed to trigger account forfeiture of earned rewards and/or get me to keep opening new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I am referring to the Citibank case ref. XXXX, previously ref. XXXX, reported to the CFPB under ref. numbers XXXX and ref. XXXX. Citibank responded on XX/XX/year>, stating that there would be a response within 15 calendar days. ( See the attachment titled XXXX Citi inquiry XXXX ). More than the time they offered to respond has passed, and they still have not responded. More than 90 days have passed since the initial fraud report, and they have not honored their commitment to resolve the issue within the time frame they offered. I am in a vulnerable situation because I have been stuck in my financial situation for so long.

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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My merchant account with XXXX XXXX XXXX XXXX XXXX ( a subsidiary of XXXX and acquiring bank Wells Fargo Bank , N.A . ) was placed on hold on XX/XX/year>. Approximately {$50000.00} in settled funds is currently being withheld. I have received no substantive communication since XX/XX/year>, despite multiple written requests for status updates. I have not been provided a written explanation of the basis for the hold, the calculated reserve amount, or a timeline for release. The continued withholding of 100 % of my funds has caused significant business harm, including a negative operating balance, interference with legitimate customer refunds, and risk of duplicate refund exposure. I am requesting immediate written clarification of the basis for the hold, confirmation of the reserve amount being maintained, and a defined timeline for review completion and release of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: PA

Complaint narrative:
The collection company, L J ROSS & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : ( XXXX ) XXXX, never contacted me about the debt to confirm it. They said they emailed me but the email address was not correct. The debt and amount were not correct because I never received a bill from the utility company. When I contacted the untility company, they said that amount was not right and it was not owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I had been using this leased vehicle as a daily driver to and from work. I called the finance company wondering what all this extra money I was paying on my monthly payments and they said I had a powertrain warranty. Not even a month later the car will not start. I had it towed to the dealership and they tell me it needs a new engine. I informed the finance company and they tell me my powertrain warranty has expired, and not helping me in any way to have the car fixed. Now theyre wanting me to voluntarily surrender my vehicle if I return it and the keys in drivable condition, when the vehicle does not even start. I have already paid over {$10000.00} on the loan and still owe {$7000.00}. The vehicle is only worth {$4000.00} working with the mileage that is has. Theyre not trying to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
And this is what happened, so I cash a check at bank of America from XXXX XXXX, which is their part of bank. Of america.That 's where the check was issued by XXXX XXXX by bank of america.So I cashed a check on XXXX the XXXX i check on XXXX the XXXX they close my account. I make a phone call.They said we closed your account.There 's nothing we can do.We detected fraud that you cashed in a legal check.That was then verified or something that doesn't make logical sense.Because they have to verify the check and when you cash, it, i even called the finance company. They checked their accounting. They told me everything is on up-and-up. We never put a stop on the check. We never did anything to the check you cashed the check, right? I said yes, I cashed it. There's no nothing wrong on our end. So Bank of America is railroading me and try to hold my funds as XXXX. And now this is why I want to make a complaint because I don't want to be locked out any other banks. Because of their computer glitch, and they tell you, wait XXXX to XXXX hours. But that's an excuse the cover. Themselves, so they won't be at fault. This is why i'm making this complaint now. I have performed all normal procedures for the payment and nothing was wrong with how I cashed a valid check, but after XXXX days my account was gone, closed by the bank.

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 2026-03-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Cordoba Legal Group, PLLC.
State: TX

Complaint narrative:
I am filing a complaint against Cordoba Legal Group and their payment processor Forth for deceptive, abusive, and misleading debt relief practices. I enrolled in their program in XX/XX/XXXX after receiving repeated calls from individuals who identified themselves as attorneys or legal representatives. I was promised that my credit would improve, that my debts would be negotiated, and that my financial situation would become more stable. I deposited monthly payments into the XXXX custodial account as instructed. My statements show that my money was used almost entirely for administrative fees instead of paying my creditors. For example, my XX/XX/XXXX statement shows : Deposits {$350.00} Payments {$0.00} Fees {$81.00}. This pattern continued for months. Very small payments were made ( {$25.00}, {$51.00}, {$98.00}, etc. ), while most of my money went to XXXX XXXX, XXXX XXXX XXXX, and Earned Fee. As a result, my XXXX XXXX fell to below XXXX, causing severe financial harm. Before enrolling, I was maintaining my accounts through Consolidated Credit, and my credit score was stable. I have recorded calls and emails showing that Cordoba representatives made false promises about improving my credit and resolving my debts. When I tried to cancel the program on XX/XX/XXXX, I called XXXX times. Representatives repeatedly claimed they could not hear me, even though my phone was working. This appears to be a tactic to prevent cancellations. Only after stating that I would pursue litigation was I transferred to a supervisor. During that recorded call, the supervisor admitted that the people who originally contacted me were from another company that recruits clients for Cordoba Legal Group. This was never disclosed and is deceptive. I was led to believe I was speaking directly with attorneys. I also explained that I am a XXXX individual of XXXX years, living on minimum Social Security income, and I feel I was targeted and exploited because of my age and condition. In total, I paid {$3100.00} into this program, and the services promised were not provided. My debts were not negotiated, my credit was severely damaged, and I was misled throughout the process. I am requesting a full refund, my complete client file, and an investigation into Cordoba Legal Group and XXXX for deceptive and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Wilber and Associates, P.C.
State: MD

Complaint narrative:
Wilbur group keeps constantly calling me and other family members. sending items in the mail to both me and other family members about a small rental insurance claim filed by someone else. I dispute this claims validity and instead of taking it to court they are harassing me daily several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: WY

Complaint narrative:
Today I tried to access money from Chime that was sent to my XXXX XXXX account. The prompts to get the money tricked me into opening a Chime account. I closed the account and they threatened to hold my money for up to 30 days. Even though the account was opened by mistake. They just do this to trick people into using their service. A robot processed my complaint and account closure. I took screenshots of the chat. Please stop Chime from tricking more people.

Company response to consumer: Closed with monetary relief