vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 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: CA

Complaint narrative:
Complaint Regarding Unexpected Lounge Guest Charge from Capital one I am submitting this complaint regarding a {$35.00} lounge guest charge that was assessed to my Capital One credit card. When I obtained and used this credit card, XXXX of the advertised benefits was the ability to bring a guest into a XXXX XXXX airport lounge. At some point, Capital One changed this benefit and began charging cardholders for guests. Capital One has stated that notice of this change was sent by email. However, I never saw or received that email and was completely unaware that the benefit had changed. It is possible that the email was filtered into a spam or junk folder, or otherwise not brought to my attention. Regardless, I had no actual knowledge that guests would incur a charge. Because I was unaware of the policy change, I brought my husband with me to a XXXX XXXX lounge, expecting the benefit to be the same as it had been previously. At no point did the lounge staff inform me that a {$35.00} charge would be applied for my guest. I was not asked to present my credit card, acknowledge any fee, or otherwise consent to the charge before entering the lounge. I only became aware of the charge after reviewing my credit card statement. Had I known that bringing a guest would result in a {$35.00} fee, I would not have brought my husband into the lounge. I contacted Capital One and disputed the charge, but my request was denied. Capital One 's position appears to be that because an email was sent, I should be considered aware of and have accepted the new policy. I disagree. Sending an email does not guarantee that a customer receives, reads, or understands a significant reduction in card benefits. Furthermore, no disclosure of the charge was made at the lounge before the fee was incurred. I believe consumers should be clearly informed when valuable card benefits are reduced or eliminated, and charges should be disclosed before they are assessed. In this case, I was not aware of the policy change and was not given an opportunity to avoid the charge. I respectfully request that Capital One reverse the {$35.00} charge and review its procedures for notifying customers of material benefit changes and for ensuring that lounge guest fees are clearly disclosed before they are imposed. Thank you for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ClearBalance Holdings, LLC
State: TX

Complaint narrative:
I have loans in my name. I didn't apply for loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was the victim of a sophisticated social engineering scam involving account takeover, spoofed Wells Fargo caller ID, unauthorized internal transfers, and a coerced cash withdrawal of {$10000.00}. The scammers impersonated Wells Fargos fraud department, reviewed attempted charges with me, claimed my account was compromised, and followed the same verification steps Wells Fargo used with me the previous month. They told me they deposited {$10000.00} into my sons account and instructed me to withdraw it as a test to see if bank employees were overriding access. They disabled my card, removed my phone number from my profile, transferred funds between my accounts, and kept me on the phone in my pocket the entire time to prevent me from speaking to branch staff. I withdrew the money under pressure and handed it to someone they claimed was a Wells Fargo investigator. When I called Wells Fargos fraud department, they refused to open a claim and said it was my fault. This denial occurred before I filed a police report and before they reviewed any evidence of account takeover or coercion. I am requesting CFPB assistance to require Wells Fargo to open and investigate a fraud claim.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXXXXXX XXXX I started wire transfer of XXXX XXXXXXXX from my account in Bank of America to XXXX exchange for an investment. Bank disallowed this transfer for " my safety ''. My account was closed and all the money ( XXXX XXXXXXXX ) were frozen. No explanation has been given except that according to bank 's agreement it has a right to do this without any explanation. After several calls to Bank of America Bank XXXX XXXX Department XXXX ( XXXX ) XXXX, the only message I was getting that the case is " in review, call tomorrow ''. I am calling every single day with exactly the same result. I have no idea why they are doing this and how long it takes to get my money back. This situation has critical situation for my business and everyday living.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, a Bank of America system error caused {$3000.00} to be sent to an unknown account ( CHK XXXX ) when I attempted to transfer funds to my own business account. The bank denied my claim three times without providing any investigation basis, violating Regulation E. The bank also stated it was unable to force the recipient to return the funds and effectively abandoned the case. Even after I obtained a police report ( XXXX XXXX ), the bank has taken no meaningful action. The recipient is knowingly retaining funds that do not belong to them and refusing to return them. On XX/XX/year>, the bank ( XXXX XXXX ) triple-withdrew the monthly rent of {$5800.00} from my business account a clear bank system error. To prevent the account from going negative, I attempted to transfer {$3000.00} via the mobile app to my own business account. During the confirmation process, I was confused because the recipient shared my last name, resulting in {$3000.00} being sent to the wrong account ( ending in XXXX ). Evidence of system error : The bank 's own alert system sent no email notification for the erroneous registration on XX/XX/XXXX, while a normal XXXX registration made the same day received an immediate email alert. A separate normal mobile registration made later also received an alert. Only the erroneous registration was the exception proving the bank 's own system recognized it as abnormal. I reported the error the very next day ( XX/XX/XXXX ) and submitted the Unauthorized ACH Return Form. The bank denied the claim XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) without providing any investigation basis a violation of Regulation E. On XX/XX/XXXX, the branch XXXX reviewed the case and acknowledged the situation was abnormal, referring it to the Fraud Department.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: NJ

Complaint narrative:
I received a debt collection notice, but I was not provided enough information or documentation to verify the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to request correction and resolution of inaccurate and unverified information currently appearing on my consumer credit report. Several items being reported are incorrect, incomplete, or lack proper verification, including inaccurate payment history, unauthorized inquiries, collection reporting without sufficient documentation, and incorrect personal information. These errors are negatively impacting my credit profile and do not meet the legal standards required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The continued reporting of inaccurate late payments, unverified accounts, and incorrect personal data demonstrates a failure to comply with this obligation. I previously disputed these items directly with the credit reporting agency and/or furnishers and requested proper investigation and documentation. However, the reporting remains unchanged, and I have not received adequate proof validating the accuracy of the disputed information. Under 15 U.S.C. 1681i, credit reporting agencies must conduct a reasonable reinvestigation and delete or correct any information that can not be verified. In addition, any credit inquiries reported without proof of permissible purpose violate 15 U.S.C. 1681b and must be removed. Furnishers also have a duty under 15 U.S.C. 1681s-2 to report complete and accurate account information. Late payments or derogatory marks reported without documentary support are inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Khoury Alternative Claims Management

Complaint narrative:
I am a XXXX resident. XXXX ( XXXX XXXX XXXX ) is attempting to collect an unverified and disputed XXXX XXXX XXXX claim ( File # XXXX ) on behalf of XXXX XXXX XXXX Respectively, I have sent XXXX formal written disputes under the FDCPA requesting debt validation ( proof of repair, actual invoices, time-stamped photos ). XXXX has completely ignored my disputes and continues to send automated payment demands, which is a direct violation of FDCPA guidelines to cease collection until validation is provided. Furthermore, their client unlawfully retained my {$500.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MO

Complaint narrative:
I am disputing a collection account reported by Pro Collect relating to a former apartment lease at XXXX XXXX XXXX in Texas. I entered into a written lease termination agreement with the apartment complex that was signed by both parties and became effective on XX/XX/XXXX. The agreement states that I could move out without an insufficient notice fee or reletting charge. After moving out, I never received a final accounting statement, notice of damages, photographs, invoices, receipts, or any other documentation showing that I owed additional money to the apartment complex. More than XXXX years later, a collection account for approximately {$2900.00} appeared on my credit report in XX/XX/XXXX. I disputed the debt with Pro Collect and provided a copy of the signed lease termination agreement. I also requested documentation supporting the debt. The company provided only an account ledger listing charges but did not provide the supporting documentation I requested, including move-in or move-out inspections, photographs of alleged damages, invoices, receipts, or proof supporting the charges. The largest charge on the ledger is a flooring replacement charge of nearly {$2000.00}. I have not been provided evidence showing why the replacement was necessary, how the amount was calculated, or documentation connecting the charge to damage beyond ordinary wear and tear. I also sent a follow-up dispute and request for information on XX/XX/XXXX, but did not respond. I am requesting that Pro Collect provide documentation supporting the debt, conduct a reasonable investigation of my dispute, and correct or remove any inaccurate credit reporting if the debt can not be substantiated.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding Capital Ones decision to restrict and potentially closing my account despite my full cooperation throughout the review process. I have been a Capital One customer in good standing and use my account for legitimate personal banking purposes, including receiving direct deposits and managing my everyday financial needs. I also maintain a Capital One credit card account. The transaction that appears to have triggered this review involved receiving approximately {$2000.00} and forwarding those funds through XXXX. This transaction was not related to fraud, money laundering, or any attempt to misuse my account. I did not attempt to hide the transaction and immediately cooperated with Capital One when additional information was requested. I provided the documentation requested by Capital One and answered all questions truthfully. Despite my cooperation, I was informed that my account may be closed. I have not been provided with a clear explanation of what specific policy I violated or why my overall banking relationship is being terminated. In addition, when I contacted customer service to seek clarification, I spoke with a supervisor identified as XXXX. During the call, she repeatedly interrupted me, spoke over me while I was trying to explain my situation, and refused my request to speak with a higher-level manager. I felt that my concerns were dismissed and that I was not treated with professionalism or respect. The restriction and potential closure of my account have created significant hardship because I rely on this account for direct deposits, access to my funds, and other financial obligations. I believe Capital One should consider my complete account history, my cooperation, and the absence of any fraudulent intent before making a decision that would negatively impact my banking relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I made a purchase and paid with my debit card linked to my bank account. I was charged an additional {$0.00} service fee. The owner, XXXX, charged this fee for using my bank card. I do not believe the fee was clearly disclosed before the transaction, and I questioned the charge. I am requesting that the company explain the basis for the fee and refund it if it was assessed improperly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the ongoing escrow charges and the failure to process my previously approved escrow removal and refund. I had call many times, I have spoken to several representatives and escalated my case. It was supposed to be resolved back in XXXX, I was going to received a credit, instead Rocket Mortgage continues to charge me escrow. I have a conventional fixed-rate loan and according to the XXXX XXXX Property Appraiser, my home is officially valued at {$840000.00}. With a principal balance of just under {$230000.00}, I hold over 72 % equity in this property, making their refusal to grant an escrow waiver entirely unjustified. I have already paid both of my homeowners insurance and flood insurance premiums and my XXXX XXXX property taxes in advance out of pocket. Despite speaking with Rocket Mortgage representatives more than twice in the last 5 months, being assured the issue was " corrected, '' and being promised a credit and refund check, Rocket Mortgage continues to erroneously charge me escrow. My XX/XX/2026, statement reflects an incorrect amount due of {$1800.00} instead of my fixed baseline payment of approximately {$1500.00}. I have the official paid receipts showing a {$0.00} balance for my XXXX XXXX property taxes and both insurance policies. Please investigate this error and provide me with a resolution or explanation why aren't they complying with RESPA? this unbalance is causing me damages, besides tremendous stress and illness. Thank you for your prompt attention to this matter. I look forward to resolve this. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
An email was sent to from Optum Bank on XX/XX/year> stating my XXXX account is about to expire. The only specific account info the email contained was the quantity left tin the account. When I logged in to my account via the bank 's website, the same amount was stated available to spend and a small note stating I had 60 days until the account expired. Upon receiving eye care and trying to use the card associated with the account, it was declined. When I called in regards to the account information on the website. There was no acknowledgement of the website and what it was stating and only a deflection to the original contract when the account was opened. No offer to keep the money if new account was started, no reduction of refund returned, or even a {$20.00} coffee card. They continually stated post dated receipts before XX/XX/XXXX are the only way I can claim any of the remining funds. As I understand it now : AFTER THE ACCOUNT EXPIRES, THE ACCOUNT IS LOCKED BUT CAN STILL HAVE ~CLAIMS~ MADE TO IT FOR REIMBURSEMENT AFTER CLOSURE. THE FUNDS IN THE ACCOUNT CANNOTY BE SPENT AS NORMAL. THE REMAINING 60 DAYS IS A " CLAIM TIME PERIOD '' EXPIRATION DATE. NOT A " SPENDING TIME PERIOD '' EXPIRATION DATE. THESE ARE CATEGORICALLY DIFFERENT TERMS OF PERIODS THAT ARE NOT SEMANTICALLY SEPERATED BY THE BANK ON THEIR PRIMARY DIGITAL ACCOUNT MANAGEMENT PLATFORM. INSTEAD THE INFORMATION THAT IS ACTUALLY APPLIED TO THE ACCOUNT IS BURIED IN MENUS AND IN THE ACCOUNT CONTACT. As you can see, even as of typing the complaint. the account shows the expire date 49 days out and states the funds are available to SPEND not CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX by my surprise I found that someone was taking a significant amount of money from my PNC account I went into the branch ( XXXX ) I sat down with XXXX the banker to dispute all 102 transactions made from this merchant and XXXX ensured me that a provisional credit would be issued while this is being investigated especially since the fraud department didnt flag my account! After I left the branch I went and filed a police report over this situation also XXXX was going to make me another card and I refused because I was afraid that this should happen again! Just on XX/XX/XXXX there was over 40 transactions from XXXX in that one day and PNC allowed these transactions to happen without flagging my account! PNC approved 5 of the 102 disputes filed for the day XX/XX/XXXX ( Im assuming that was the date the pending transactions posted ) which each of those transactions were {$20.00} a piece totaling {$100.00} as a FINAL DECISION CREDIT which in the XX/XX/XXXX date there was 8 transactions but only 5 was gave back? The rest of the transactions were marked as not fraudulent due to my history of use? Which I contacted PNC and spoke with 2 ladies and resubmitted my disputes and the last lady I spoke to promised that my credit would be expedited due to me having financial hardship due to this situation. A week went by and to my surprise nothing I called and spoke with many CSR and they all said the same thing that I should be issues a credit that they have escalated my concerns and someone will reach out. Eventually a ESCALATION SPECIALIST XXXX called we spoke about the whole situation and she will send what I said to that team but i wasnt able to speak with anyone in disputes about anything! This went on for 2 weeks and then she finally returned my call and told me this is a criminal matter and that PNC isnt liable! After I calmed down and I called back to resubmit my disputes and escalate this matter another after a week a ESCALATION AGENT XXXX called me I returned her call as of today 4 times and still no return call back! I told them that filing a complaint with you was my next step because I have no idea how or where these transactions originated from and I was told my mobile device and I went as far as getting a whole new device because I dont know what information this person has and what they are trying to do with my information! I also wanted to add I told EVERYONE I spoke to at PNC that durning this time these transactions was happening my mother is still currently in XXXX it was a fairly new account and I know what I was spending so no need to look if nothing is coming out besides what i authorized! Also on XX/XX/XXXX the fraud department did flag my account because they said someone called in acting like me and I had to put a voice password for anytime I call in!

Company response to consumer: Closed with explanation