vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a formal complaint against Truist Bank regarding the mismanagement of my HELOC account ending in XXXX. 

I paid off this loan in full on XX/XX/XXXX. Since then, I have made numerous attempts to obtain closing documents. My requests were ignored for nearly a year. 

On XX/XX/XXXX, I finally received a letter signed by XXXX XXXX that is factually incorrect and legally insufficient : Wrong Account Number : It references an account that does not match mine ( ending in XXXX ), raising concerns that my specific account was not properly credited or closed. 
Wrong Name : The letter addresses me as " XXXX XXXX '' instead of my legal name, " XXXX XXXX XXXX. '' Wrong Date : It states the loan was paid in full on XX/XX/XXXX. The actual payoff date was XX/XX/XXXX. 

Truist claims verbally that the lien is released but has failed to provide the recorded Certificate of Satisfaction or a corrected Paid in Full letter. They asked me to go the the branch and pay a fee, which i did. This negligence prevents me from verifying clear title to my property and creates inaccurate financial records.

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 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
i have sent several request for this company to remove this debt. i am an identity theft victim and this account was open by someone other than myself. i ask for proof such as sign documents, copy of id or ssn card. this company could not provide anything showing i opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
REGULATORY COMPLAINT : FAILURE OF SUBSTANTIATION & BAD FAITH COLLECTION INVOLVED PARTIES : XXXX and XXXX STATEMENT OF FACT : I am filing this complaint to report a demand for payoff based on legally invalid and contradictory documentation. 

The institution was given a deadline to provide evidence to substantiate their demand for me to pay a disputed lien that was already unsubstantiated and cleared by XXXX in XXXX. 

FAILURE OF SUBSTANTIATION : In response to my request for documentation substantiating the asserted lien and payoff demand, the representatives XXXX and XXXX produced the attached records These documents are the same materials relied upon to justify the demand. As produced, they do not constitute evidence of a valid lien or debt obligation. The abstract provided names a different creditor than the creditor asserting the lien, originates from a different county than where the property is located ( XXXX XXXX ), and reflects an incorrect and inconsistent debtor name. 

The materials further improperly combine unrelated cases from different courts and years. Because the documents do not match by creditor, case , county, or debtor identity, they fail to substantiate the demand. This is a failure of proof, not a clerical error. 

SPECIFIC EVIDENCE OF PROFESSIONAL NEGLIGENCE & BAD FAITH : XXXX. IRRECONCILABLE ENTITY MISMATCH : The recordation ( Instrument XXXX ) lists XXXX XXXX XXXX XXXX as the Plaintiff, yet the underlying Abstract provided by XXXX and XXXX names XXXX XXXX as the Creditor. No Assignment of Judgment exists. 

XXXX. LACK OF JURISDICTIONAL FOUNDATION : The XXXX XXXX cites Case XXXX. Verification confirms no such case was ever docketed in the court of origin ( XXXX ). Jurisdiction is lacking for XXXX XXXX as well. And, the date of it is XXXX which is outside the statute of limitation. 

XXXX. WILLFUL DISREGARD OF PRECEDENT : This specific discrepancy was reviewed and cleared by XXXX in XXXX. By providing these specific documents as " proof, '' the named representatives have demonstrated they are in willful possession of evidence that confirms the mismatch, yet they continue to use these void instruments to demand payment. 

DESIRED RESOLUTION : Immediate removal of the unsubstantiated lien from the title report, a formal " Release of Judgment '' filed in XXXX XXXX to clear the title cloud, and an investigation into the practices of Navy Federal Title regarding the use of mismatched and undocketed court records to extract payoffs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
MOHELA notified me on XXXX that loans in forbearance will retrospectively accrue interest from XXXX until today. While loans were in forbearance MOHELA communicated loans were not accruing interest. This is simply wrong.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was the victim of a scam involving a {$130000.00} wire transfer on XX/XX/year> and ave filed this with XXXX and FTC Identity Theft. I am seeking written confirmation regarding a recovery of {$18000.00} that XXXX XXXX  returned to Bank of America on XX/XX/year> pursuant to a wire recall supported by a Hold Harmless Letter. 

XXXX Bank has provided a formal CFPB response confirming the funds were transmitted to Bank of America. When I previously contacted Bank of America, I was told agents could not locate the matter without a name match. 

I am requesting written confirmation whether the recall is now complete, whether any additional balance is alleged to be owed in my name, and whether any further recovery actions are planned.

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 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
TransUnion continues to allow XXXX XXXX to report inaccurate information that adversely affects my credit score, and it takes months to have it removed. I'm requesting that TransUnion remove the fraudulent account from my credit report. It should be noted to this Honorable body that TransUnion 's compliance should be audited because the organization is not ensuring that the information reported by third-party collection agencies is true and accurate, and that proper procedures are followed. I will also note that I received a letter from TransUnion stating that my personal information was compromised in a data breach, which the organization classified as a cyber event. Please order the organization to remove accounts. Thank you, 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 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I bought XXXX tickets from XXXX XXXX in the amount of {$610.00} using my Bank of America debit card on XX/XX/XXXX. Due to the snow storm that occurred in XXXX, we were not able to fly. We called XXXX who refused to refund our money. Then we opened a claims case via the BOA app around XX/XX/XXXX, and we have not received a refund.

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 2026-02-11 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: NY

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding their refusal to trace and credit a returned transfer in the amount of {$2900.00}. 
I initiated a transfer from my Chase account to a XXXX XXXX account. The XXXX XXXX account was closed, and XXXX XXXX has confirmed that they are not holding the funds. XXXX XXXX advised that the {$2900.00} was returned to the originating bank, Chase, and provided trace number XXXX for the returned transfer. 
Despite being the originating bank and responsible for tracing and crediting returned funds, Chase has refused to accept the trace number, refused to initiate an ACH/wire investigation, and instructed me to contact XXXX XXXX XXXX XXXX XXXX has clearly stated the funds were returned to Chase. 
Chases refusal to properly investigate this matter has prevented me from accessing my {$2900.00} and has caused financial hardship. 
I am requesting that Chase : XXXX. Immediately initiate a formal trace using the provided trace number. 
XXXX. Conduct a full investigation into the returned transfer. 
XXXX Credit the {$2900.00} back to my Chase account without further delay. 
XXXX. Provide written confirmation of the investigation and resolution. 
I am seeking prompt resolution and recovery of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NJ

Complaint narrative:
I would like file a complaint against XX/XX/XXXX. I am a conservator for my elderly father. I emailed XX/XX/XXXX as per their instructions on their website to add bank account information for my rep payee account in order to transfer funds from the XX/XX/XXXXcard to the bank account. I emailed a copy of my ID ( front and back ) and a recent bank statement on XX/XX/year>. I received no response. XX/XX/XXXX I initiated transfers on the website and both times funds were returned to the account. On XX/XX/year> I called the customer service number and was told that the request to add the bank account was denied because I did not provide the requested information. This feedback was provided XXXX weeks late and was factually incorrect as I confirmed to the representative by pulling up my initial email with the requested information. I was forced to wait on hold for XXXXXX/XX/XXXX in order to speak to a customer service rep who was not helpful and just repeated that I did not provide the requested information and to resend what I already sent on XX/XX/year>. They said they were not able to see the email I sent in order to explain what was not acceptable from the copies of my ID and bank statement that I had sent. 

I am very disappointed with the service provided by XX/XX/XXXXand I do not believe they are competent to do their job. They should not be entrusted with this responsibility. 

Please could someone get XX/XX/XXXX to immediately comply with my request in order to be able to transfer funds to my rep payee bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: SD

Complaint narrative:
For whatever reason I seem to be " stuck at '' owing XXXX. My car was wrecked and insurance wants to pay. I also have loan lease pay off. I thought it was at XXXX and was told today im at XXXX? Ive had this a long time and want to be done with it. Why does the amount keep going up? Why doesnt anyone ever answer the phone unless you call 30 times? Why am I struggling to get assistance with what I can do next as now im without a vechile and good chunk is going to get sent to One Main and yet yes I have to pay the remaining. Why is it STILL XXXX? Isn't there something that can be done? I was also told I was not offered insurance on the loan. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing a complaint regarding funds being withheld after my Chase account was closed. 

My employer deposited funds via direct deposit in XX/XX/year>2026. After the account closure, I visited a branch and was told the funds would be mailed as a check. I have made multiple visits and phone calls since then and received conflicting information, delays, and transfers between departments. 

I was told the account closed on XX/XX/XXXX and that a check had been issued and would arrive by XX/XX/XXXX, but it never arrived. I called again and was told identity verification was required and that the check would now arrive around XX/XX/XXXX. 

I am leaving my current residence on XX/XX/XXXX and leaving the United States on XX/XX/XXXX, making this timeline unreasonable. The amount being withheld is over {$1200.00} and the delay is causing financial hardship. 

I am requesting immediate escalation and resolution, including cancellation of the mailed check and disbursement via wire transfer as soon as possible. 

I am seeking prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XXXX XXXX I filed a complaint with XXXX stated why my account was closed for no reason and they replied back and told me when and why they stated to me on XXXX XXXX they wanted me to upload my i.d and debit card I've done that and they also stated that on XXXX XXXX my account got permanently banned my funds will be held up for XXXX days and they be up for withdrawal on XXXX XXXX so XXXX XXXX came still not able to withdraw my money and here it is today XXXX XXXX and the specialist team talk about they closed my account in XXXX XXXX and I won't be able to have my funds until XXXX XXXX which is not the information that was informed to me and I want my money or I'm filing a lawsuit for misleading information because this is starting to get in my nerves if my account is close just give me my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint Against Bank of America Regulation XXXX Violation I am filing a complaint against Bank of America for failing to properly investigate and resolve an unauthorized electronic transaction on my account in violation of the Electronic Fund Transfer Act ( Regulation XXXX ). 

On my account, a {$39.00} charge from XXXX XXXX was posted without my authorization. I promptly reported this transaction as unauthorized and filed a dispute. Bank of America denied my claim ; however, they did not conduct a reasonable investigation as required under Regulation XXXX ( XXXX XXXX XXXXXXXX ). 

Specifically : The bank failed to provide documentation or evidence supporting its denial. 
I was not provided copies of the materials relied upon in making the decision. 
The investigation appears to have been cursory and not compliant with federal standards. 
As a result of the denial, my account was left with a negative balance, causing financial harm. 

Under Regulation XXXX, financial institutions are required to conduct a reasonable investigation, provide written explanation of their findings, and supply supporting documentation upon request. Bank of America has not fulfilled these obligations. 

I am seeking : XXXX. Reimbursement of the {$39.00} unauthorized XXXX XXXX charge. 
XXXX. Reversal of any overdraft fees or negative balance caused by the improper denial. 
XXXX. Confirmation that a proper Regulation XXXX investigation has been completed. 
XXXX. Copies of all documents and evidence relied upon in denying my claim. 
XXXX. Statutory Compensation for violation of federal law. For damages and suffering. 


Bank of Americas failure to properly investigate and correct this error has caused unnecessary financial and emotional stress. 

I request that the CFPB require Bank of America to comply with Regulation XXXX and resolve this matter promptly.

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 2026-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
SUBJECT : INACCURATE CREDIT REPORTING I am submitting this complaint regarding inaccurate credit reporting and improper collection activity related to an account that resulted from misuse of my personal information. 
XXXX XXXX and it's collection agency, National Credit Systems XXXX XXXX have reported a debt to the credit bureaus that I do not legally owe. I did not reside at the property during the time period associated with the alleged debt, nor did I authorize the obligation as reported. I have tried contacting the leasing office as they very well know that I never resided there. Also, I've tried contacting the corporate office on several occasions, to no avail. 
This conduct has caused significant harm to my credit profile despite my attempts to have this resolved. The inaccurate information appears to violate the Fair Credit Reporting Act and the Fair Debt Collection Practices. 





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Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, at XXXXXX/XX/XXXXPST, I received an unauthorized sign-in alert with an XXXX XXXX ( XXXX ). This confirms that a third party attempted to breach my account. I immediately contacted Robinhood via phone and email to freeze and close the account. However, Robinhood refused to take manual action, instead sending automated emails ( Case ID : XXXX ) insisting that I " log in to the app '' to receive support. 

It is physically impossible and dangerous for me to log in to a compromised account where my credentials may no longer be secure. Robinhoods policy of refusing direct support to users who are locked out due to fraud is deceptive and places my financial assets at extreme risk. I demand an immediate permanent closure of this account and written confirmation of XXXX balance/liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed an account being reported by XXXX XXXX  because it does not belong to me. On XX/XX/year> and XX/XX/year>, I contacted XXXX XXXX, and they were unable to locate any account using my name, state, phone number, or Social Security number. I was advised to dispute the account because they have no record of it. I requested verification of the alleged debt, and none was provided. Despite this, the account continues to be reported on my credit file, and Experian did not remove it. Reporting a debt with no record and failing to verify it violates the Fair Credit Reporting Act.

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 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My XXXX auto payment was cancelled, I called numerous times but they had no understanding why the auto pay was cancelled XXXX accounts ( XXXX, XXXX and XXXX ) I can not be accessed at this time! I called again repeatly but Shellpoint had no explaination. 

Addtionally account XXXX has an addtional charge which was no authorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: Skopos Financial, LLC
State: VA

Complaint narrative:
Complaint Regarding Predatory Lending Practices I am submitting this complaint regarding a personal loan I obtained from Reprise Financial. 

I borrowed {$4000.00} with an additional {$220.00} origination fee at an APR of 35.51 %. Over approximately XXXX years ago, I have paid {$5400.00} toward this loan, yet I still have a remaining balance of approximately {$1400.00}. The loan structure resulted in the vast majority of my payments being applied to interest rather than principal, keeping me trapped in long-term debt despite consistent payments. 

I believe this loan constitutes an unfair and abusive lending practice due to : Excessive interest relative to the loan amount Disproportionate repayment compared to principal A debt-trap structure that made meaningful payoff unrealistic I am requesting that Reprise review this account for fairness, provide a full accounting of interest versus principal applied, and offer a reasonable resolution, including interest reduction or settlement. 

I am seeking relief through regulatory review and request CFPB assistance in ensuring this matter is addressed fairly. 

Thank you for your time and assistance. 

Sincerely, 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 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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