vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 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: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/year>, a merchant ( XXXX XXXX XXXX XXXX XXXX charged {$31.00} to my credit card account. The merchant 's publicly posted policy states that parking is completely free on weekdays between XXXXXXXX XXXX and XXXX XXXX. Because I misplaced my physical paper ticket during the visit, the on-site operator forced me to pay an inflated premium rate of {$31.00}, refusing to verify my actual time of entry.I filed a formal billing error dispute with Wells Fargo for the full amount of {$31.00}. I provided the bank with irrefutable, state-issued evidence : an official XXXX XXXX XXXX XXXX! electronic toll log proving my vehicle crossed the XXXX XXXX XXXX XXXX approximately XXXX XXXX on XX/XX/year>. This proves it was physically impossible for my vehicle to have occupied the parking structure during paid daytime hours.Wells Fargo denied my billing error claim. The phone representatives used a baseless stalling tactic, claiming " someone else could have been driving the car. '' This excuse is legally irrelevant to a merchant overcharge under Federal Regulation Z. Furthermore, the phone representatives handling my calls have been completely unhelpful and openly mocking of my situation instead of conducting a professional investigation. I have uploaded my full 2-page Formal Charge Dispute Statement and evidence logs to this complaint. I demand a full reversal of the {$31.00} charge and a review of the bank 's broken dispute handling process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home 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: TRUHOME SOLUTIONS, LLC
State: SC

Complaint narrative:
I fell behind in my mortgage payments after being diagnosed with a XXXX XXXX that was causing XXXX XXXX XXXX. I was put on work restriction and tried to work with my mortgage company for a forbearance or medical forbearance. I went through the process working with one of their specialist who confirmed the {$18000.00} payment would help sell the restructure to the credit union. The payment was ach debited from my account on XX/XX/year> but was not applied to my mortgage. I waited a few weeks to hear back from the lender and didnt hear anything. In XXXX I was told he had worked out a plan to submit to the back and we would be good and current, rolling remaining payments to the back of the loan. I didnt hear back until XXXX when they said I had a {$1000.00} lien and the back couldnt do anything with the standing lien . Then no contact from anyone. I call, emailed and mailed in info and received no response from Truhome Solutions or XXXX XXXX XXXX. Then last week I was served with foreclosure papers and still no explanation of where the {$18000.00} went or what happen after the lien was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
The following accounts have been reported to the credit bureaus to be removed from my credit report. I am a victim of Identity theft. Please note that I am reporting the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VANCE & HUFFMAN LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NY

Complaint narrative:
FORMAL CONSUMER COMPLAINT WAY2GO CARXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXm filing a complaint regarding improper handling of a fraud dispute, provisional credit, and reversal of funds on my XXXX XXXX XXXX XXXX Way2Go Card account. On or about XX/XX/year>, I reported unauthorized transactions totaling approximately {$320.00}. During the investigation, multiple provisional credits were issued to my account through approximately XX/XX/year>. The provisional credit notice I received stated that funds would be available within XXXX days. However, it did not clearly state that the credit was temporary, conditional, or subject to reversal, nor did it clearly explain that I could become responsible for repayment based on the outcome of the investigation. At no point did I receive a determination letter, investigation result notice, or advance notice that any provisional credits would be reversed. Without warning, the credited funds were removed from my account and my balance was reduced into a negative amount exceeding approximately {$650.00}. As a result, subsequent child support deposits were applied toward the negative balance instead of being made available to me. This caused significant financial hardship and resulted in a delay of more than XXXX month in receiving accessible child support funds. I relied on the available balance displayed in my account in good faith, based on the provisional credit notice and account activity showing funds as available. The reversal occurred without prior notice or explanation, and I was not given an opportunity to respond before the funds were withdrawn. I request the following : XXXX. A complete investigation file for my dispute, including all transaction reviews and determinations. XXXX. Copies of all notices, letters, emails, or electronic messages allegedly sent regarding provisional credit, investigation status, and reversal. XXXX. The specific date the investigation was completed and the basis for the determination. XXXX. Documentation showing compliance with Regulation XXXX error resolution and notice requirements. XXXX. An explanation of how the provisional credit was represented as available within XXXX days while still being subject to reversal without clear disclosure. XXXX. Correction or reimbursement of any financial harm caused by the reversal and resulting negative balance handling. I am requesting a full review and written response with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX of Truist Bank denied my previous complaint about the bank collecting my payment on a fraudulent and forged contact. I want to re-open my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding XXXX accidental XXXX payments totaling {$1800.00} sent to the wrong recipient due to a misleading contact resolution in the XXXX interface. Transaction Details : {$1700.00} sent XX/XX/year> | Transaction No : XXXX | Memo : Rent for the month of XX/XX/year> {$100.00} sent XX/XX/year> | Transaction No : XXXX | Memo : Electric and gas bill for XX/XX/year> Total wrongly received : {$1800.00} How the error occurred : My intended recipient is my landlord, XXXX XXXX, registered on XXXX under phone number ( XXXX ) XXXX as " XXXX XXXX. '' When adding this contact, I accidentally entered XXXX instead of the correct XXXX. The XXXX system resolved this XXXX address to a completely different person registered as " XXXX XXXX '' whose display name appeared nearly identical to my landlord 's ( " XXXX XXXX '' ). I was not clearly warned that the email address resolved to a different XXXX account holder than my known contact. I selected the email entry, believing it was the same person, and sent both payments. Evidence available : Screenshots of both XXXX " Past Payments '' screens showing the XXXX separate recipients : XXXX XXXX ( correct, phone ) and XXXX XXXX ( wrong, email XXXX ) Transaction numbers and dates as listed above Written email sent to the unintended recipient ( XXXX XXXX ) requesting return of {$1800.00} recipient has not responded Steps already taken : Contacted the unintended recipient in writing with full transaction details no response received What I am requesting : Chase to open a formal dispute on both transactions Chase to contact the receiving bank and formally request return of {$1800.00} Written confirmation of dispute status and escalation steps The XXXX XXXX 's failure to clearly distinguish between XXXX different registered users with nearly identical display nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' ) directly contributed to this error. I request the CFPB compel Chase to take full responsibility for investigating and resolving this erroneous transfer. My contact : XXXX. XXXX XXXX | ( XXXX ) XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
making an unauthorized insurance payment on a closed escrow account then misapplying mortgage payment to pay for negative balance all the altering payment history and escrow documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing this complaint because charges were made through XXXX that I did not authorize. I want to be clear : I do not know how this happened, and I am not in XXXX What I do know is that I did not approve these transactions. I recently learned how to access my devices security information only because my daughter has been helping me with this. That is when I discovered that many of my passwords including my Bank of America login were compromised in data leaks. I was not aware of this before. This supports what I have said from the beginning : I did not authorize these charges. This has been going on for a long time. Bank of America has approved some of my claims and denied the larger ones using the exact same information, which is inconsistent and unfair. I am requesting a full refund as soon as possible. I am trying to understand how this happened, but I can not get answers. I did not authorize these transactions, and I am asking for assistance in resolving this. Thank you.

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 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CA

Complaint narrative:
To whom it XXXX concern, On XX/XX/year> I started an application to refinance my home mortgage loan. Mutual of Omaha being represent by XXXX XXXX was who I ended up signed documents. I proceeded to pay fees including but not limited to a {$220.00} appraisal fee. I was then approved for the loan. After approval it being increasingly difficult to get ahold of XXXX XXXX til today when I can not get ahold of him or his supervisor with any answers. Ive repeatedly asked for their insurance and can not get it. During the process I received notice from y bank that my XXXX XXXX had dropped due to XXXX separate inquiries by Mutual of Omaha. Furthermore I have been given XXXX separate closing dates for funding this mortgage and ha snot happened. Furthermore Mutual of Omaha contact my insurance broker on my behalf without my knowledge and now my insurance policy underwriting shows Mutual of Omaha even thought they refuse to funding the mortgage.! week ago from today was my last contact with XXXX XXXX in which he said phrases over the phone like " I Screwed up '' and " ill take full responsibility for this mistake '' he refused to allude to exactly what mistake was made.We have signed documents and several emails asking for updates. XXXX XXXX has a fiduciary obligation to respond timely and in a manner that helps resolve this financial situation. This inability to follow through with their agreed upon deal has put me in a financial hardship. I could have used another lender but due to their high ratings I chose them out of about XXXX in a selection pool. XXXX confident any XXXX of the other lenders could have serviced this loan timely, instead now I am stuck and can not get answers to my questions regarding this refinance. Ive tried contacting his supervisor 6 times and have not received word back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am formally disputing the inquiries listed below because I did not authorize the companies involved to access my credit report. These inquiries have negatively impacted my credit profile and should not remain on my report without proper verification. I previously contacted your agency regarding these unauthorized inquiries and was informed that they would be removed. Despite that assurance, they continue to appear on my credit report. This matter remains unresolved and requires immediate attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
b"When I relized the theft, I filed FTC repXXXX XXXX XXXX XXXX XXXX XXXXharges from unknown business. *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Faxed my FTC report, Identity theft, Police report File# XXXX XXXX XXXX XXXX XXXXt the time this fraud was going on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My husband and I were planning for a biXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXot always able to have internet. I locked and called both cards as soon as I could. I don't know what day it was but while waiting for my husband in the Dr. office I called Discover, I talked tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That was the typical experience. I talked to one that told me two charges must be mine, I argued they are all the same Discover acknowledged fraud and reversed a portion of the charges but arbitrarly denied the remaining charges. Last call XXXX XXXX had paid the balance in full to protect my credit. Letter XXXX Investigation complete, Discover says, No fraud! Card cancled they will keep all of my payment.\nThe man I talked to today said they could not send me anything refering to the investigation, it was private information."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
I am filing this complaint to officially document a severe case of consumer negligence and operational failure by SoFi Bank. I no longer bank with this institution, but this event must be permanently recorded by regulators.I flew into XXXX on XX/XX/year>, and my issues started arising immediately that day when my card declined at the airport for a ride. I called the bank, and they told me they put a note on my file so I would not be blocked anymore. Instead, almost every transaction kept declining.My account was officially frozen on XX/XX/year>. I had just used my card to get on the XXXX with no issues, but the moment I tried to buy a five-dollar ice cream, it declined and my account was frozen. I called them on XX/XX/XXXX at approximately XXXX XXXX local time while stranded on the transit route going from XXXX XXXX to XXXX XXXX. I was nearly XXXX hours away from my XXXX with XXXX money for transit or food. I was visibly in distress and crying, and I had to put my mother on a three-way call to plead with the representatives. The agent told me the freeze was because I updated my email address XXXX weeks prior to my trip, claiming it was a " possible violation. '' They demanded identification to unfreeze my funds, but when I offered my valid XXXX Passport, they explicitly refused to accept it. They demanded a domestic state driver 's license that they knew I could not access while out of the country, leaving me completely destitute. Because of this, the situation escalated into a nightmare ; my brother 's card would not work in XXXX and my mom 's card would not work in XXXX, making it incredibly difficult and ridiculous just to get back to my XXXX and eventually get to the airport to get home.I flew back to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, while I was traveling in XXXX, they just randomly gave my access back. I received an email and text stating the restriction was lifted. The bank unfroze my account automatically without me ever contacting them upon my return, and without me ever submitting the license or paperwork they claimed was mandatory. Their system held my money hostage over a routine email change, rejected a federal passport during a documented safety emergency, and then dropped the restriction with XXXX verification. It is completely unacceptable to strand a customer out of the country over an update made XXXX weeks prior, demand ID, and then prove that ID wasn't even needed by randomly unfreezing the account later. I want this permanently documented in the bank 's regulatory history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2026 I received a spoofing call from a scammer pretending to be BMO Harris bank. They told me someone has logged into my account in Florida and sent a XXXX transaction of {$3500.00} to someone I have sent money to before, but dont have contact with this person. I submitted a police report with XXXX police case number ( XXXX ), and also submitted a case with my bank ( XXXX ) on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX I spoke with branch XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, IL ) formally located at ( XXXX XXXX XXXX XXXX ) after my claim was denied. He asked me if I was in Florida on XX/XX/2026 due to an unregistered phone signing into my account. I denied this as I was not and can prove with payment stubs for work. I then asked him how is my claim being denied and being marked as authorized if there is evidence of fraudulent activity and an unregistered sign-in to my bank account. He then got me on the phone with the fraud team and reopened the case. I then contacted him on XX/XX/2026 at XXXXXXXX XXXX XXXX get an update on the case, he informed me it was denied again due to it being a former recipient on my XXXX account which was the same reason for the last denial. I informed him and the fraud team that I did not choose the recipient, the unregistered user did. I believe the investigation is not being looked into and quickly brushed off by the BMO Harris fraud team.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
They closed my acct XX/XX/XXXX and froze out other acct and took all our money. Ive been without money or an explanation since XX/XX/XXXX. This is XXXX! I should at least be given a reason why they are doing this.

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