vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for the business checking account with a promotion offer deposit XXXX XXXXXXXX get {$750.00} bonus. After completing all the requirements Bank of America is saying my account isn't enrolled for the promo. I used this link XXXX XXXX XXXX. When I clicked open account, you can see the promo code in the address bar. But when filling in the application there is a little box that u have to click that will automatically fill in the promo code that was in the address bar. This is really misleading.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Complaint Against Truist Bank Returned Check Funds Not Received I am filing a complaint regarding a check deposit and return issue involving Truist Bank. On XX/XX/year>, I deposited a check issued by my employer into my account at Truist Bank. The check was drawn from a XXXX XXXX XXXX account. XXXX XXXX XXXX provides me with the letter that evidences the check has already been successfully processed/cleared. However, on or around XX/XX/year>, Truist Bank returned the deposited funds. As of today, XXXX XXXX XXXX has not received any returned funds related to this transaction. This situation has caused confusion and concern, as the funds appear to be missing in the transit returning process within Truist Bank. Additionally, Truist Bank has asked me to complete and sign an Affidavit of Fraud without providing a clear explanation or justification. This is concerning because : - The check was issued by my boss as part of a legitimate transaction. - I have no reason to believe this check is fraudulent. - Truist has not provided a return reason code or detailed explanation for the reversal. I have attempted to contact Truist Bank multiple times, but they have not provided sufficient information, including : - The exact return reason code - Confirmation that the returned funds were actually transmitted back to XXXX XXXX XXXX - A clear explanation for why this matter is being treated as potential fraud I respectfully request the following : 1. A full investigation into the location and status of the returned funds 2. Written confirmation of the return transaction details, including dates and method of return 3. Clarification on why I was asked to sign an Affidavit of Fraud without evidence of fraud 4. Prompt resolution to ensure the funds are properly returned to the originating account This issue is causing financial uncertainty, and I would appreciate a timely and transparent resolution. Thank you. Sincerely, 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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
I was charged {$510.00} on XX/XX/. Charge only says " XXXX XXXX XXXX ''. I disputed the charge and got an email from XXXX XXXX XXXX services saying, " XXXX XXXX, Your dispute case has been resolved and your claim was denied. The credit has been removed and the disputed amount plus any applicable interest has been added to your balance. You will be receiving a letter with more information regarding the details of your dispute resolution. '' My card is literally in my bedroom in Virginia not being used at all... ironically enough the card is still getting scammed - XX/XX/XXXX and XXXX charges from XXXX in {$1.00} amounts ... what is going on? THIS IS FRAUD. I want my {$510.00} returned asap as I never authorized a charge for XXXX XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Formal Complaint Regarding Denied XXXX Fraud Claim ( Claim # XXXX ) I am writing regarding the above-referenced claim ( Claim # XXXX ) to formally dispute a XXXX transaction made on XX/XX/year>, in the amount of {$98.00}, sent to XXXX ( XXXX XXXX ) . This transaction is unauthorized and involves suspected XXXX fraud. At the time of initiating the payment, XXXX appeared to have a system issue and did not clearly identify the recipient as XXXX XXXX. We included the XXXX XXXX to XXXX XXXX XXXX XXXX, believing the transfer was being made correctly. Immediately after the transaction, we contacted the recipient. The individual acknowledged receiving the funds but has refused to return the money. However, he indicated that he would be willing to return the funds if contacted directly by the bank. We promptly reported this issue to Capital One and filed a dispute under the above claim number. A representative initially advised us that the bank would contact the recipient and that the funds would be refunded within 10 business days. However, after waiting for an extended period with no updates, we followed up with customer service and were informed that our claim had been denied, without a clear explanation. Following this, we contacted XXXX directly and XXXX told us, our bank -Capital one can dispute this for me. We reopened the dispute and per customer service instructions, resubmitted our complaint via email on XX/XX/year> to XXXX. To date, we have not received any responseno email, no phone call, and no status update. This lack of communication and transparency is deeply concerning. As long-term customers of Capital One for nearly 20 years, this is our first dispute, and we are extremely disappointed with how this matter has been handled. We respectfully request that this matter be thoroughly investigated and that Capital One be directed to provide a full refund for the disputed transaction. Thank you for your time and attention. Please let me know if any additional documentation or information is needed. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX received my return but denied refund. Citi denied my dispute without reviewing my evidence

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 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This is a formal report of aggravated identity theft and Title IV financial fraud involving the loan servicer and the educational institution.1. Aggravated Identity Theft ( 18 U.S.C. 1028A ) : The school committed identity theft by certifying multiple loans using a forged, misspelled version of my legal name. This forgery was a deliberate act to bypass federal loan limits and secure over {$31000.00} in unauthorized debt. This is documented in XXXX Report XXXX. Violation of XXXX Disbursement Rule ( 34 CFR 668.164 ) : The school is in direct violation of federal law by withholding {$25000.00} in Pell Grants and loan stipends. These funds were credited to the student account between XXXX but never disbursed, which is a misappropriation of federal funds.3. Timeline Fraud & False Certification : Total enrollment was 2.2 years, ending in XX/XX/XXXX. The school falsified records to bill for three full academic years, " manufacturing '' an extra year of education to draw unauthorized federal aid.4. Servicer Misconduct & Breach of Contract : Despite a pending Borrower Defense claim ( # XXXX ) filed in XX/XX/XXXX, the servicer has moved the account into " Active Repayment '' in bad faith. They are attempting to collect on a debt that is the product of criminal forgery and a total breach of the enrollment contract. I demand a full discharge of all loans and the immediate return of all withheld funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am filing this complaint regarding Nissan Motor Acceptance Companys refusal to honor its own written payoff quote for my leased vehicle purchase. On XX/XX/XXXX, Nissan Motor Acceptance Company issued me a written payoff quote for the purchase of my leased XXXX XXXX XXXX. The written payoff letter specifically stated that my purchase option price was {$21000.00} and explicitly stated that this amount includes sales tax in the amount of {$1700.00}. The letter also stated that the amount included applicable fees. Relying upon Nissans official written payoff statement, I proceeded accordingly in good faith. Afterward, I contacted Nissan Motor Acceptance Company using the telephone number listed on the payoff letter to confirm payoff information. I spoke with a representative and then with a supervisor identified as XXXX at approximately XXXXXXXX XXXX. on XX/XX/XXXX. During that conversation, I was informed that the written payoff quote was allegedly incorrect and that taxes were actually NOT included despite the payoff letter explicitly stating otherwise. Nissan is now demanding an additional {$1700.00} before releasing title to the vehicle. This issue was caused entirely by Nissan Motor Acceptance Companys own written payoff documentation. I relied upon the official written payoff quote provided to me. Nissan is now attempting to retroactively change the payoff amount after issuing a written statement that specifically represented taxes and fees were included. I am requesting that Nissan Motor Acceptance Company : 1. Honor the written payoff quote it issued 2. Release title to the vehicle 3. Cease attempting to collect additional amounts that contradict its written payoff statement I have attached the written payoff letter supporting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
We experienced a loss of income, and I went several months without paying the rent. I contacted my mortgage lender to request a loan modification. I filled out the application, and after they approved it, they informed me that I would receive a letter in the mail to sign and return. That letter was supposed to specify the date on which I would resume making monthly payments. However, that letter never arrived. Weeks later, I received another letter stating that my application had been denied because I had failed to make my payment on time. I contacted them and explained that I had never received the letter I was required to sign. I then filed an appeal requesting a re-evaluation of the loan modification, but that was also denied. I am currently making my payments on time, but regarding the outstanding balance, they refuse to enter into a payment arrangement with me ; instead, they want me to come up with a lump sum of $ XXXX I do not have. Consequently, they are moving to foreclose on my home. I do not know what to do, and I feel desperate because I do not want to lose my house ; I have XXXX children, and I do not know where we would go if I were to lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: TX

Complaint narrative:
In XXXX I booked a hotel through XXXX at XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, financed through Affirm for {$1600.00}. I had initially made a reservation which I cancelled in order to adjust the dates. My second and final reservation was for XX/XX/XXXX to XX/XX/year>, which I officially cancelled on XX/XX/year>, eight days before check-in, and received written cancellation confirmation from XXXX. On XX/XX/year> XXXX issued only a partial refund of {$150.00} back to Affirm, leaving a remaining balance of {$1600.00}. I made multiple attempts to resolve this by contacting the hotel both via email and by phone on more than one occasion. When I called, I was transferred to hotel management and the representative was unhelpful and dismissive. On a subsequent call the hotel was still unable to provide refund transaction documentation. My emails also went unanswered. The remaining Affirm loan was charged off and sent to a collections agency called XXXX, damaging my financial standing despite the cancellation being confirmed in writing by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am filing a formal complaint regarding SoFi Bank, N.A. 's continued delivery of mail and packages to an address I do not reside at, despite having provided my correct address on file. The individual who resides at the incorrect address has contacted me no fewer than five times this week alone regarding mail and packages sent by SoFi being delivered to their home. This person has taken it upon themselves to open several pieces of mail in order to locate a contact number and has independently reached out to multiple senders and carriers to stop the misdeliveries, with success in several cases. SoFi is among the senders who have failed to correct this. This situation is unacceptable for the following reasons : 1. I provided SoFi with my correct address. There is no reason my correspondence should be routed elsewhere. 2. A third party, someone I do not know, is being repeatedly contacted and burdened by mail and packages addressed to me that SoFi continues to send to the wrong address. This constitutes harassment of an uninvolved individual. 3. I am being repeatedly contacted by this person, and they most likely have personal information as a direct result of SoFi 's failure to maintain accurate address records and act on prior notice. I have informed the individual at that address that they are within their rights to file complaints with every carrier and the State Attorney General 's office regarding SoFi Bank, N.A. 's continued delivery of unwanted correspondence to their home. I intend to do the same, so there is documentation of all incidents related to this matter, including dates and the number of contacts I have received from the third party. I want to make the full scope of this situation clear. The individual residing at the incorrect address made repeated good-faith efforts to stop this returning mail, notifying SoFi directly and contacting carriers. Despite those efforts, SoFi continued sending correspondence to that address. It was only after being repeatedly ignored that this individual began opening the mail in an attempt to find contact information to resolve the issue themselves. SoFi 's failure to act is the direct cause of my personal and financial correspondence being accessed by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My wife and I maintain a checking account with the Bank of America. We use the XXXX, Ma. branch. On XX/XX/XXXX, we were notified of suspicious activity with our account. We immediately contacted the Bank. Someone had tried to cash 2 bogus checks on our account, but they were denied. WE froze the account and opened a new account. We were assured that No Money would be paid out. On XX/XX/XXXX, the bad actors again tried to cash the 2 bogus checks, but this time, the Bank paid out the cash. The checks were for {$2000.00} and {$1800.00}, paid out to people we never heard of. We did not write these checks. Since we did not have $ XXXX dollars in that account, the Bank paid out the full amount, and now says we have an overdraft of {$1300.00}, and have notified us of that " debt ''. So after our checking account was frozen, the Bank of America paid out over {$3800.00} due to fraudulent activity, and is trying to hold us responsible.We have spent untold hours trying to get the Bank to resolve this issue. They tell us that the " unfortunate situation '' should be resolved in 90 days, but a month has passed and they haven.t yet assigned an analyst to our case.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> i submitted a dispute under # Dispute # XXXX for XXXX transactions that were for purchases made however the merchant did not ship or provide what I purchased. They were no help upon contacting them which is why I submitted a dispute via chime for good not received. After a few days chime came back stating XXXX out of the XXXX transactions were approved because the merchant provided a credit/refund for those XXXX, which is not correct they never did. Then the other XXXX they denied with no explanation as to why. When i requested the documents they used to make their decision they practically just sent me a copy of my statement and a copy of the charges which was useless and XXXX. Ive tried contacting them serveral times and explaining to them but they seem to have a hard time understanding even thos its pretty self explanatory. Please help recover my funds thnak you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
We have called From Monday the XXXX to today Thursday the XXXX and every time we call, we get the same runaround that they need verbal confirmation in order to release the hold on our funds mind you? These funds have already been removed from the business account and have been confirmed that they were removed from the account, but they're requiring verbal confirmation for them to release the hold, Our funds in the app say that they'll be released Friday the XXXX and his email confirmation says they'll be released Friday. When we call, they tell us the funds won't be released until the XXXX Which is next monday? We have not received an email confirming Why that they're holding it that long or anything. They will not release the {$270.00}. That they are required to release a day after. This was a settlement check and they are going to leave us in a dire situation of homelessness because this was for relocation, and we have until the XXXX of XXXX to get out and they're not going to release our funds until the XXXX, which is going to give us four days to get out with XXXX XXXX XXXX. They are going on the insumption that it's a new account.But the laws passed XXXX of XXXX say they can't hold funds unless they're over XXXX, this is XXXX dollar check that they are holding.

Company response to consumer: Closed with explanation