vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 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: CA

Complaint narrative:
I received a notification that my card was being used at XXXX and final for a {$190.00}. I sent a link to my cell phone and my email also asking me to verify that I was making a purchase I pressed the yes option and was then told to proceed with the purchase that it was just a safety measure to ensure that it was me making the purchases, so I called up anyways and asked them the bank to ensure that it was me making the purchase and I wanted to ensure that I would not be declined again because this is not the first time that this has happened. there was a time a couple weeks ago, where I asked them to please stop doing that. I had already set up notifications myself that dont require them the bank to be monitoring on my spending cause I already set up monitoring for that I also have trouble accessing funds with my debit card at the bank because my card gets blocked and I want access to my funds because theyre my funds and I have the pin and my card and I verify everything and it really upsets me that they want me to go down there again so my next step is to cut off all ties with this bank and close my account so I dont have to deal with that so I dont get any answers and they want to lock me out of my account. Did I access to my account? I want to close it because this is outrageous. I just had XXXX so its hard for me to get down to get places because of my situation and its even harder when I cant access my funds. Is absolutely outrageous.

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 2026-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I received a notification of a debt that went to collections in my name from a XXXX XXXX or XXXX XXXX XXXX XXXX for an address in New York. This is a result of identity theft. My identity was stolen back in XXXX and my information was used to try and open up multiple credit card accounts.

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint regarding a Bank of America credit card account that was reported as more than XXXX days past due. I understand that I missed the payment, and I am not asking to dispute the late fee. My main concern is the severe credit reporting impact and the lack of meaningful notice before the account reached the XXXX reporting threshold. I only became aware of the issue on XX/XX/year>, after receiving an alert from XXXX XXXX XXXX stating that XXXX of my account balances was past due by more than 30 days. The alert identified Bank of America as the account. As soon as I discovered the issue, I immediately paid the Bank of America account and set up autopay to make sure this does not happen again. Before this incident, I had approximately XXXX years of strong on-time payment history across my credit accounts. This was an isolated mistake and is not reflective of my normal payment behavior. I am frustrated because I do not recall receiving a clear direct call or email warning from Bank of America that the account was approaching 30 days past due or that it was at risk of being reported to the credit bureaus. A clearer warning could have helped prevent serious credit reporting damage. I contacted Bank of America customer service after discovering the issue. The representative confirmed that the account was paid and that autopay was set up, but I was told they could not assist with removing the credit reporting and that I would need to escalate separately. I am asking Bank of America to review this as a one-time goodwill matter because the payment has been made, autopay has been set up, and I have a long history of responsible payments.

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My Bank of America XXXX XXXX XXXX advertises and promises a two-free-checked-bag benefit, and is published in the Bank of America XXXX XXXX Program Rules legal document . On XX/XX/year>, I went online to my pending XXXX XXXX booked flight, paid for with my Bank of America XXXX XXXX XXXX, and added two checked bags under the two free checked bag benefit, but Bank of America and XXXX XXXX charged my XXXX XXXX {$150.00} and has refused to honor the free advertised benefit. I filed an online dispute with Bank of America, which was rejected, and have made four follow up phone calls to their Dispute department and Card Services department with no resolution. I even escalated this to Bank of America Claims Supervisor Summer and Card Services Supervisor XXXX on XX/XX/year> with still no resolution. I've been subjected to long phone call wait times and mercilessly bounced around to different departments.

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 2026-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: NY

Complaint narrative:
I am a victim of identity theft caused by exposure in multiple data breaches, including XXXX XXXX XXXX and other existing breaches. Fraudulent accounts and inaccurate reporting accounts were wrongfully placed on my credit file. These items are not mine and must be deleted. Under FCRA XXXX 15 USC 1681b inquiries require permissible purpose. FCRA XXXX 15 USC 1681c-2 requires blocking identity theft data within XXXX business days. FCRA XXXX 15 USC 1681i requires blocking disputed identity theft data. FCRA XXXX 15 USC 1681s-2 prohibits furnishers from reporting identity theft accounts. FCRA XXXX 15 USC 1681c bars reporting bankruptcies older than 10 years. I demand immediate blocking and permanent deletion of all fraudulent accounts and inquiries and cessation of reporting to XXXX XXXX. Failure to comply violates FCRA XXXX 15 USC 1681n 1681o. Account name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I was on a forbearance at the end of XXXX due to a health hardship. My payments should have resumed XX/XX/XXXX but my mortgage company ( Shellpoint ) attempted to take out {$2200.00} instead the authorized amount of {$1700.00}. The company denied this and also stated that since I missed the payment I needed a new modification agreement. But then they claimed that they couldnt offer a new agreement because the XXXX had a lien against my property. XXXX has denied from the start that this was not true. I requested on several occasions that Shellpoint provide documentation proving the lien exists and proof of what they attempted to charge my card in XXXX. Neither request was honored but magically the lien disappeared. I had to redo the whole modification process in XXXX resulting in an a higher payment that I will struggle with. I attempted to setup the payment for the due date today for the payment that will be due on XX/XX/XXXX and caught in the fine print that instead of being charged {$1800.00} ( new modified amount ) that they secretly had it in the fine print to charge me {$2200.00}. No explanation of why the higher payment. I feel like Shellpoint is doing things to purposely make it hard for me to keep my home. I took screenshots as proof.

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 2026-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System XXXX has placed a collection on my credit report with the credit report agencies, effective XX/XX/year>. The amount is {$750.00}. Original creditor, XXXX. When XXXX XXXX XXXX acquired XXXX, I turned in the equipment to XXXX and was told my service and billing would be with XXXX XXXX XXXX. I am still with XXXX XXXX XXXX and my bill is current. I filed a complaint with XXXX in XX/XX/year> and XXXX in XX/XX/year>, contesting the collection from IC System XXXX. I called the company, IC System XXXX, in XXXX. I told them I had an account once with XXXX, and when XXXX XXXX XXXX acquired them, I was told by both companies to return the modem to XXXX and that I would be receiving my service and bills from XXXX XXXX XXXX. I asked the lady at IC System to send an itemized breakdown of the charges that totals {$750.00} and she refused, saying the amount is what it is and that they previously mailed out a bill and thereafter reported a collection due on my credit reports.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a small business account that was hacked starting on XX/XX/XXXX. Subsequent to {$15000.00} fraudulently transferred through XXXX. This was resolved last week on XX/XX/XXXX. As a result of this initial attack, fraud protection was put on the business checking account and I was told that the funds could no longer be disbursed from the account but deposits would continue. In order for me to transfer the balance to my new business checking account, I have to call in to the bank and get the money transferred. This sometimes takes up to XXXX hr. On XX/XX/XXXX for {$6400.00} and again on XX/XX/XXXX for {$7800.00} fraudulent checks ( using my account number ) with someone else 's name, out of state address and signature totaling {$14000.00} were cashed at an out of state ATM and disbursed with no hold at all. XXXX the account was on fraud alert during the time the the fraud checks were cashed XXXX. Dollars were not to be disbursed during this time without authentication of the account owner. XXXX the fraudulent checks were not reported to the bank until XX/XX/XXXX and as a result the bank initially denied repayment, but then reopened and I have to wait XXXX more days for a decision. Accountants were behind in monthly reviews due to tax season and the company was running a campaign with XXXX amounts that were similar to the checks. It was overlooked by me in the time frame because I assumed BOA was protecting that account.

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 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Waypoint Resource Group LLC. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Waypoint Resource Group LLC currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to Waypoint Resource Group LLC. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

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 2026-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
A XXXX ATM glitched on a {$400.00} cash deposit and USAA keeps denying my ATM deposit dispute. In the early morning of XX/XX/year>, I visited the ATM Terminal ID XXXX XXXX. I made a total of XXXX deposits between the time of XXXX XXXX and XXXX XXXX. The first deposit of {$520.00} was successful ( 1 ). The second deposit of {$900.00} was also successful ( 1 ). After inserting approximately {$400.00} for a third deposit, the ATM took longer than normal to count the money. The ATM then flashed a message saying, Unable to return cash. Call USAA. It then printed a small slip with the same Unable to return cash. Call USAA. I immediately texted my coworker behind me in line to let her know what happened ( 2 ). Next, I called USAA at XXXX quickly realizing USAA XXXX XXXX ( 3 ). I waited until XXXX the same morning to call again. During that XXXX call ( XXXX ), the operator let me know that USAA would have to check with the ATMs 3rd party vendor to verify a cash surplus. She then called back at XXXX and opened an ATM deposit dispute ( XXXX ). On XX/XX/year>, I received notice that my ATM deposit dispute was denied. I called in later that night to request the denial documentation. On XX/XX/XXXX, I received the requested ATM dispute documentation ( 4 ). By examining the documentation, I was able to conclude that the ATMs Transaction Log included the wrong deposit transaction. The ATM Transaction Log was for the successful deposit of {$520.00}. Not the {$400.00} deposit that the ATM ate which prompted the Unable to return cash alert. After noticing the dispute decision was made from the wrong deposit, I started the " Reinsertion '' process where I sent in additional information supporting my claim that the ATM ate my {$400.00} deposit. On XX/XX/XXXX, I received another denial decision for my ATM deposit dispute so I called in to request the additional paperwork that led to that decision. On XX/XX/XXXX, I spoke to a supervisor who started another Reinsertion 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 monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
Letter of Explanation Mortgage Servicing Transfer and Incorrect Late Payment Reporting Date : XX/XX/year> To Whom It May Concern : I am writing to provide an explanation regarding late mortgage payments that were reported on my mortgage account during the transfer of servicing from Freedom Mortgage to XXXX XXXX. At the time of the transfer, my loan was enrolled in the VA Servicing Purchase ( VASP ) modification program. Under the terms of the modification process, my understanding was that late payment charges and related delinquency reporting should not have been assessed while the modification was being implemented and the loan was transitioning through the approved program. During this same period, servicing of my loan was transferred from Freedom Mortgage to XXXX XXXX. The combination of the loan transfer and implementation of the VASP modification created administrative complications that resulted in payments being reported as late. These late payment notations do not accurately reflect my intent or efforts to remain compliant with the terms of the modification agreement. I acted in good faith throughout the process, complied with all requests related to the modification, and maintained communication with the mortgage servicers. The late payment reporting appears to have been the result of servicing and processing issues associated with the transfer and modification program rather than any failure on my part to meet my mortgage obligations. We tried multiple times to call in and make payments but were told that our loan was in transfer by both parties. It looks like the loan transfer occurred on XX/XX/XXXX officially and our home was sold on XX/XX/XXXX. Because my loan was participating in the VASP modification program during this period, I respectfully request that consideration be given to the circumstances surrounding the reported late payments, as these charges and delinquency notations should not have been assessed while the modification was being processed and implemented. Thank you for your time and consideration. Please let me know if any additional documentation is needed to support this explanation.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint against Citibank regarding the closure of my account and the withholding of my funds after I deposited a legitimate insurance settlement check. On XX/XX/year>, at approximately XXXXXXXX XXXX I deposited a check in person at the Citibank branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The check was in the amount of {$9900.00}. This check was issued as payment for a total-loss vehicle claim resulting from an automobile accident. The deposited check fully cleared on XX/XX/year>. On XX/XX/year>, I returned in person to the same Citibank branch to transfer funds from my account to my father 's account. At that time, bank employees informed me that they needed to verify the deposited check. Citibank never contacted me regarding any concerns about the check, nor did they request any documentation or explanation from me. Instead, I later discovered that my account had been closed. I contacted Citibank 's customer service hotline on XX/XX/XXXX and again on XX/XX/XXXX to determine why my account had been closed and why I no longer had access to my funds. During those calls, I was informed that Citibank considered the check to be fraudulent. Because the check was issued by XXXX XXXX as a settlement for my totaled vehicle, I contacted XXXX directly to determine whether Citibank had attempted to verify the check before concluding that it was fraudulent. XXXX informed me that Citibank never contacted them to verify the validity of the check. As a result of Citibank 's actions, my account has been closed and I currently have no access to my funds. These funds were intended to be used to purchase a replacement vehicle after the loss of my previous vehicle. Citibank has provided no evidence that the check was fraudulent, has not explained the basis for its decision, and appears to have failed to properly verify the check with the issuer before restricting access to my money. I am requesting that Citibank provide a full explanation for the account closure, immediately release any funds that belong to me, and correct any records that improperly characterize this legitimate insurance settlement check as fraudulent.

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I got a bill in the mail a couple of months ago saying {$180.00} was being debited out of my account to pay my XXXX credit card bill monthly payment. I do not have this card. I called and was told they couldnt help me until I had a new card issued to me. After that I tried multiple times online and XXXX times over the phone with a representative to find out what charges were made to the card. My online request was deleted XXXX weeks later. From the phone calls all I was told is that there has been no activity on the card for the past XXXX years and they could not provide me with prior history of purchases. I stopped the auto draft and am now incurring interest charges and a future credit problem because they refuse to provide me with the information. I am more than willing to pay in full if they can tell me what purchases were made, but they can not or will not. There are no physical locations available to contact.

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