vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: IN

Complaint narrative:
E * Trade messed up my online payment. Instead of paying my XXXX credit card bill electronically, they deducted {$780.00} from my checking and sent a check to my HOME address ( please see the attached letter ). I have not gotten the fund ( {$780.00} ) back to my account yet after they put a STOP to this check. Calls to E * Etrade only got bounced between one group ( XXXX ) to another ( their research and resolution team ). No one is taking this matter seriously and no one is taking responsibility at E * Trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a claim with capital one disputing charges that I did not make, The total came to roughly {$2900.00}. My account was hacked, I had to change my login information as well at my account number. they denied my claim. I reopened it and, I provided a police report as well. on XX/XX/XXXX Capital one insist I have authorized these charges with there explanation being " it was made on a debit card. '' as if debit cards do not get hacked. I am a stay at home mom, This money is my lively hood. I know it doesn't seem like much but this money covers bills, groceries, and baby expenses. This money was moved from my savings account and used without my knowledge. reason for my account number being changed as well. Capital one has done nothing about it. they have " reviewed '' my claim but has not provided any information in regards to how I supposedly authorized transactions to a merchant I have no idea about. I couldn't even tell you what the merchant was! Capital one is NOT for there customers and could care less about the outcome. I will be talking to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America checking account is experiencing repeated fraudulent charges. This has occurred every month of this year except XXXX. I have now had to cancel my debt card 4 times : in XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Every time I call the bank to report it they stop charges and refund the few dollars taken from my account, but the same fraud occurs the next month. The company changes the way their name appears on my list of charges but when I look them up it goes to the same website : revolt.ly The bank and XXXX allow companies to contact them and regain access to my account after I have cancelled the card. This allows the fraud to persist. The company should have to contact ME to regain the ability to charge me. I have been through this process 4 months in a row with Bank of America customer service and my account is no more secure for all my reporting.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally request a refund of five separate {$30.00} stop payment fees charged to my account, totaling {$150.00}. These fees were incurred while I was attempting to stop recurring subscription charges from companies that I believe used misleading billing practices and charged my account without my clear understanding or authorization of ongoing monthly memberships. I acted quickly to protect my account and prevent additional withdrawals. At the time I requested assistance, I was not made aware that multiple stop payment fees would be charged separately in this manner. Had I understood this, I would have asked for an alternative solution such as a merchant block or another account protection option. I have been trying to responsibly manage my account and resolve these unauthorized or misleading recurring charges, and the additional {$150.00} in bank fees has created further financial hardship. Given the circumstances, I respectfully request : A full courtesy refund of the five stop payment fees A review of the recurring merchant activity associated with these subscription companies Assistance with placing permanent merchant blocks if necessary to prevent future unauthorized debits. I was also told that I would be refunded in full via a Bank of America supervisor by the name of XXXX. She confirmed that I would be fully refunded. I value my relationship with Bank of America and hope this matter can be resolved fairly and 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 2026-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I refinanced my student loans with a private company called XXXX. The company aidvantage that handled my federal student loans were overpaid {$5700.00} on XX/XX/year>. I have contacted them by phone on numerous occasions trying to get the refund but they keep stating that it is in the mail. It has now been almost XXXX months without receiving the check and I believe I am owed interest on that money given I am paying interest on it from my XXXX loan. My interest on my aiadvantage loan was XXXX percent so it would be fair that they pay me an additional {$200.00} for a total of {$6000.00}. Whenever I call customer service they do not help and just say its in the mail. They also offer me to restart the process which they state will take an additional XXXX months to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I applied in person at Citizen 's Bank, address below, for a HELOC. There were XXXX severe issues. 1 ) They incorrectly submitted the application against the wrong address as collateral. This generated a second hard pull on my credit report. 2 ) When I got home I checked my mail and there was a pre-approval letter from Citizen 's ( I have attached a copy ) stating that with perfect credit they were offering HELOC loans up to {$200000.00} at XXXX %. When I confronted them with this via email they claimed that this only applied for loans over {$200000.00}, not under and they offered me XXXX %. This is a blatant lie. Citizens, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding a very distressing experience my family and I had while traveling with Frontier Airlines on Saturday, XX/XX/year>, from XXXX XXXX XXXX XXXX. My husband, our XXXX son, and I were scheduled to travel from XXXX, XXXX XXXX XXXX with XXXX XXXX in XXXX, XXXX, and a final destination of XXXX XXXX, XXXX XXXX XXXX Prior to arriving at the airport, we attempted to check in through the XXXX application ; however, the application was not functioning properly and would not allow us to complete the check-in process. To ensure we had enough time to resolve the issue, we arrived at the airport approximately XXXX and a half hours before departure and sought assistance at the XXXX counter. Unfortunately, there were only XXXX employees working, and we were instructed to wait approximately XXXX minutes before receiving any assistance. After waiting, the female employee informed us that we needed to pay an additional {$27.00} in order to check in for our flight. We paid the fee immediately as instructed. Despite this, the system still would not allow us to check in, and by that point we had been incorrectly marked as no-show passengers. The XXXX employee repeatedly told us to wait while she attempted to contact her XXXX, but no XXXX ever came to assist us. Instead, we were directed to call XXXX customer service ourselves while standing at the airport counter. The only alternative flight offered to us had a total travel duration of approximately XXXX hours, which is completely unreasonable, especially considering we were traveling with our XXXX child. We were then offered another option departing from an airport located approximately XXXX hour away from our home, which would have required additional travel and another layover. Due to the inconvenience and the circumstances created by XXXX check-in failure and lack of proper customer assistance, this was not a workable solution for our family. As a result, my husband and I had no choice but to purchase last-minute tickets through XXXX XXXX at an approximate cost of $ XXXX expense that was entirely unexpected and not within our budget.

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 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
My federal student loans were discharged under Borrower Defense, with StudentAid.gov showing the discharge completed on XX/XX/2026. MOHELA has shown a negative balance on my account for approximately XXXX weeks, indicating a refund is owed, but no refund has been issued and no status updates have been provided. I have repeatedly contacted MOHELA and have only received generic responses stating XXXX days, without confirmation of whether my refund has been transmitted to the U.S. Treasury or issued as a payment. As of XX/XX/2026, the account still shows a negative balance and no refund has been received. I am requesting : XXXX. Confirmation of whether the refund has been transmitted to Treasury or issued XXXX. Investigation into any processing delay or error XXXX. Immediate processing or reissuance of the refund if it is stuck or lost

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 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: TransferWise Ltd
State: MO

Complaint narrative:
A merchant ( Grok ) charged my Wise account approximately {$10.00} during what was advertised as a 3-day trial offer on XX/XX/XXXX. I contacted the merchant on the first day requesting cancellation and a refund after I learned of the charge. I submitted evidence to Wise, including screenshots showing 3 attempts to the merchant ( XXXX ) : * my prompt refund/cancellation request for refund on first day of trial Wise denied my dispute, stating they could not confirm the transaction was unauthorized. However, my concern is that the dispute appears to have been reviewed only as an unauthorized transaction claim rather than as a merchant billing dispute involving trial terms, cancellation during the trial period, and refusal to refund. I requested clarification regarding why the evidence submitted was considered insufficient, but I did not receive a meaningful explanation addressing the substance of the billing dispute. I am requesting that Wise properly review the dispute under the appropriate billing dispute category and provide a clear explanation regarding the denial decision and handling of the evidence submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I got robbed on XX/XX/XXXX and reported it to the bank SoFi on XX/XX/XXXX and XXXX. The bank did a review of stolen funds and said they did not see any fraudulent payments. I then got police report and record of all the fraud charges and asked they investigate again. They told me that all the transactions were verified through my phone which was stolen off of me to make these purchases. I told the bank about everything that was stolen and explained that I could not verify the charges due to my phone being stolen as well as my wallet. The bank did 3 more investigations which were all done in less than 24 hours. They denied my claim again and told me I would have to sue them to get my money back. The amount stolen was roughly {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I opened an account with PNC and I had a cashiers check. I opened the account on Saturday the XX/XX/XXXX and was told funds would be available that day. I only have a partial amount {$500.00} available as of XX/XX/XXXX of the {$11000.00} I deposited and am being told the money wont be available for another day. I didnt have access to my money and was unable ti purchase food yesterday. I am very upset about the way I was treated and the way I was misinformed. The PNC branch is XXXX XXXX XXXX XXXX XXXX XXXX and the representative I spoke with was named XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I want my XXXX account cancelled immediately!!!! I have tried for months now but a otter keeps popping up on my screen!!!! Cancel this account immediately!!! I can't get in contact with them via phone or even email, this is abuse!!!!! I'm submitting this complaint as a form in order to have team respond

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 2026-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I bought a bag from XXXX which was being used as a third-party vendor to XXXX. I decided to return the bag which at the time stated if the security tag on the bag is removed a return is not valid. The security tag was left on the bag along with the box, dust bag and documents that came with the bag. Back in XX/XX/year> i made a return request to XXXX which they accepted a return request. Upon receiving the bag they returned the back to me without a reason. I contacted XXXX and they denied to answer any questions. The bag which i received was different than what i sent back. The bag they sent back had no security tag, had no box or dust bag it did not even come with the documentation. Just the bag alone was sent in a brown box to my door step. I contacted capital one disputing that the merchant i received was not the same as i had ordered. XXXX came back with two claims 1 ) they did not accept the return request ( Which i provided evidence that they accepted the return otherwise how would i get a return label ) the 2nd claim was that the bag was inauthentic. Capital one denied my claim and said if i wanted to open the case up again i'd need to provide evidence. I had submitted 3 different evidence and CapitalOne kept denying my claim saying i need evidence of the serial number matching the bag but i can not send a photo copy of this. i asked them how can i submit evidence if a photocopy isnt allowed the lady replied back i do not know but this claim can not be reopened. I requested evidence that what allegation can be said with a provided evidence on XXXX part that the bag was not authentic when they shipped me the bag initially. I requested evidence and CapitalOne denied to provide and communicate anymore about this claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I've been in my home 13 years. My mortgage loan was transferred from XXXX XXXX to Carrington Mortgage Services around XXXX of XXXX. Since then, I have had problems with Carrington Mortgage. When it was time to make my first payment, I was notified that I was behind. That was incorrect. Prior to the transfer I was caught up with XXXX XXXX. However, my mortgage was around {$540.00} I began paying {$1100.00} to catch up the {$2300.00} they stated I owed. I finally caught up and received a notice of increase to my escrow increasing my mortgage payments to around {$640.00}. In XX/XX/XXXX I made a payment of {$1000.00} and it was rejected. I had to go through the bank to get my money back. I later told to start making payments through money gram. I then made XXXX payments XXXX for {$800.00} in XXXX and XXXX for {$700.00} in XXXX. In XXXX I received an estimated adjustment for my escrow saying it would increase to {$5000.00}. I sent a payment by money gram in the amount {$2000.00} it was rejected. I was able to get my money back, but I can no longer make payments. I was notified that my house was being processed for foreclosure and was told to apply for a loan modification that is in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was scammed by Online fraud through the XXXX platform. Someone pretended to be a family member of mine and they pretended to be incarcerated and asked me to help them out with some temporary funds. I felt empathy not knowing this person was not my family member and accidentally sent them funds via the CASH APP ( BLOCK, INC. ) platform from my mobile device. This person created an account with my family members photos and his children photos. After discovering this was fraud by contacting this family members XXXX, I then attempted to recover the funds through the CASH APP ( BLOCK, INC. ) platform by emailing them and submitting the dialogue proof of what happened that led up to this fraudulent transaction. They sent me back a response stating they would look into the issue and make a decision based on my claims. The sent back an email stating there was nothing they could do about me being scammed and they they would not return my funds which were in the amount of {$50.00}. I was also forced to change all my contact info due to the fact this perpetrator asked for my contact info during this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened an Everyday Checking account with Wells Fargo that would give me a {$400.00} bonus when I direct deposited {$1000.00}. I direct deposited {$1500.00} on XX/XX/XXXX. The bonus was supposed to be given by XX/XX/XXXX. I never received the bonus. It seems Wells Fargo never learned from scamming customers in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief