vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding my banks handling of a fraud dispute. Unauthorized transactions totaling {$3600.00} were made through my XXXX account after it was compromised by an unknown party. These transactions involved attempted purchases of multiple XXXX and a XXXX using my stored payment method. I did not authorize these transactions and did not receive any merchandise. I reported the issue immediately. My bank has denied my claim twice, incorrectly treating this as a legitimate purchase rather than account takeover fraud. I am requesting a proper investigation under unauthorized electronic transaction protections. I am seeking reversal of these charges and a full review of how this claim was handled. This happened on XX/XX/26. I called immediatley when I saw it. I have proof that XXXX cancelled the order after I claimed fraud, I have a screen shot of that. When I went back in to find order numbers etc everything pertaining to this transacttion was completely gone! Nothing left. Yet the funds still came out of my bank. When I called XXXX, they left the phone for 5 minutes came back and pretended like they could not hear me and then hung up, this happened three times. I did not authorize this transaction and they have no proof that I did! Please help us get out money back. We are a small business, we are older people, we do not buy XXXX XXXX XXXX on XXXX never had. This money is hard earned money. Please hellp us. The merchandise went to FL and I live in CA. I looked it up and it went to a vacant lot in FL. I have never been to FL. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: Sezzle Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I formally revoked authorization for Sezzle to debit my bank account and debit cards. I communicated this directly to the company via their support chat. The companys automated system acknowledged my request and confirmed that my bank account had been removed from the platform. At that time, I also requested the removal of my debit cards to ensure no further unauthorized " forced '' pulls would occur. Despite this clear revocation of authorization, the merchant began attempting multiple unauthorized ACH withdrawals from my bank account starting in late XX/XX/year> and continuing into XX/XX/year>. These unauthorized attempts have caused my bank account to incur eleven ( XXXX ) separate Non-Sufficient Funds ( NSF ) fees of {$35.00} each, totaling {$540.00} in fees alone. When I attempted to resolve this through the merchant 's support channels, I was met with automated responses and a refusal to acknowledge the XXXX revocation. The merchant is continuing to attempt withdrawals after I have explicitly withdrawn my consent for them to access my funds, which is a violation of the Electronic Fund Transfer Act ( Regulation E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I contacted Mohela several times about a loan discharge as the school I attended was found guilty of misrepresenting information to students about loans, landing jobs, etc. I provided evidence and there was a lawsuit. I provided all of the information needed, and Mohela has denied my applications, I submitted XXXX. When I asked why the applications were denied, they told me they could not tell me the reason as it wad proprietary information. I applied for another loan discharge again, and they told me it would mot be reviewed as they have denied the other XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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:
I am filing a complaint regarding Bank of Americas handling of a fraudulent wire transfer. I was induced to send a wire transfer based on false recipient information. The beneficiary/account name did not match the intended recipient. I reported the issue to Bank of America within days of the transfer and requested immediate recovery efforts with the receiving bank. Bank of America later denied my claim and stated that recovery efforts were unsuccessful. However, I have not been provided with documentation or details regarding : when the recall/recovery request was initiated, whether the matter was treated as a fraud/scam case, what response was received from the receiving bank, and what recovery actions were actually taken. Given the clear beneficiary mismatch and the prompt reporting of the fraud, I respectfully request : XXXX. A full review of the fraud claim, XXXX. Documentation of all recovery and recall efforts, XXXX. Confirmation of when the recall request was initiated, XXXX. Reconsideration of the denial decision. Amount involved : {$4700.00}. Claim number : XXXX. Amount involved : {$100.00} Claim number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mortgage Research Center, LLC
State: MO

Complaint narrative:
On XX/XX/2026 I asserted my rights against retaliation under the Under the Equal Credit Opportunity Act ( ECOA ), Regulation B ( 15 U.S.C. 1691 et seq ) in relation to my mortgage company ( XXXX XXXX XXXX XXXX ) refusing to work with me, and then lying to a federal regulator, I.E. misrepresenting material fact regarding recorded phone calls between myself and XXXX XXXX. On XXXX XXXX, 15 days later, I received a letter stating, " XXXX XXXX XXXX XXXX has been instructed to foreclose the property that secures the herein referenced loan. The debt is owed to Mortgage Research Center , LLC XXXX XXXX XXXX XXXX XXXX . '' I attest that this foreclosure notice being sent only 15 days after I asserted my rights against retaliation is in and of itself a retaliatory response from the company. I have documented evidence that XXXX XXXX XXXX XXXX is attempting to cover up their own misconduct by using fear tactics and lying to federal regulators in their responses to consumer complaints. Furthermore, I have verbally stated to XXXX XXXX XXXX XXXX that I am attempting to file a complaint with he states attorney general office. I believe that this also is contributing to this notice of foreclosure.

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 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I disputed this account multiple times and requested proper validation of the alleged debt. The company continues reporting this account despite failing to provide competent documentation supporting the accuracy of the reporting. The account is being reported as an Open Account while also being reported as a collection account/debt buyer account, which appears inaccurate and inconsistent. The company verified the account through the credit bureaus but failed to provide a signed agreement, complete payment history, chain of assignment, or sufficient documentation establishing legal responsibility for the alleged debt. The responses provided appear to rely on automated verification and summary information rather than competent evidence from the original creditor. Despite my disputes, the company continues furnishing disputed and potentially inaccurate information to the credit bureaus. I am requesting a full investigation and deletion of the account if it can not be fully verified with complete and accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, the company sent a written notice ( XXXX XXXX ) stating a {$2100.00} dispute was " Completed '' and the credit was " Permanent. '' On XX/XX/year>, the company sent a new notice ( XXXX XXXX ) stating they are reversing that permanent credit and re-billing my account for the full {$2100.00}. This reversal is a violation of the Fair Credit Billing Act ( FCBA ) regarding the finality of dispute resolutions. I am requesting that the company honors its original " permanent '' decision and removes all associated interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: IL

Complaint narrative:
Elan XXXX XXXX in no way addressed my concern in CFPB XXXX. It's clear that none of my experiences were reviewed. Elan 's Executive Office is more than capable of working directly with their Collections Department to resolve this issue. I should not be reprimanded and put at a disadvantage simply for doing everything I was told to do and for receiving false information from multiple Elan employees. This issue very likely falls under unfair and deceptive practices under UDAAP. As mentioned previously, Elan XXXX XXXX mismanaged my hardship request on my credit card ending in XXXX. Because of financial hardship from the government shutdown, I called customer service multiple times between XXXX and XX/XX/year> asking for help with a deferment or hardship program. I received different answers every time- some representatives said no programs existed, others said I had to miss a payment first, and a manager told me on XX/XX/XXXX to wait until after XX/XX/XXXX, miss a payment, and call back. I followed the company 's own directions exactly, yet when I called on XX/XX/XXXX I was told the program had ended the day before and that deferments hadn't existed for a year. I was penalized with late fees and pressure to pay because I relied on the inaccurate instructions their own employees gave me. Other clients received the assistance, but I did not - solely because of poor training and internal miscommunication. Their XX/XX/XXXX response letter gave no indication that anyone reviewed my call history or the conflicting information I was given, and it failed to address or correct any of the issues. The letter also provided no contact information for the Complaint Center of Excellence that handled my escalation- it simply directed me back to the collections phone number I already have. As a goodwill courtesy, I ask that Elan 's executive office work directly with their collections department to apply the hardship assistance to my account retroactively, including waiving all late fees from XX/XX/year> through today, and confirm this waiver amount.

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 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: TX

Complaint narrative:
According to section 392.101 of the Texas Finance Code prohibits a third party debt collector from engaging in debt collection if a surety bond is not filed with the Office of the Secretary of State. I have found that XXXX XXXX XXXX XXXX XXXX does not have a surety bond on file with the XXXX. I have contacted the credit bureau with this information and uploaded proof from the XXXX website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
I have no idea who this company is and I do not recognize the debt. A reply was sent ordering them to desist but calls have continued. My number is never to be used for debt collection calls through third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
According to section 392.101 of the Texas Finance Code prohibits a third party debt collector from engaging in debt collection if a surety bond is not filed with the Office of the Secretary of State. I have found that Columbia Debt Recovery LLC DBA Genesis does not have a surety bond on file with the XXXX. I have contacted the credit bureau with this information and uploaded proof from the XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested proper validation of this alleged debt, including : a complete itemized ledger copies of the lease agreement proof of all charges added proof of legal authority to collect proof of required notice delivery To date, the account continues to be reported despite unresolved disputes and insufficient validation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Yes I was at an atm in XXXX Ohio located at XXXX XXXX XXXX when I was trying to make a deposit of {$600.00} in the atm. The atm then prompted that there was an error counting the bills and that my money was being locked inside the atm until further notice. They did not provide a receipt or did any investigation upon the atm. Now its been almost a month and Im pretty sure moneys been in out of the atm as of now due to them denying my claim stating I needed to provide an atm. This occurred on XX/XX/year> at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I missed my credit card payment by 5 days and was charged a {$30.00} late fee and {$19.00} in interest. Not that it is a valid excuse, but I was having some health issues this month that required my attention, which caused me to miss my payment inadvertently. I contacted Citi via chat to request that these fees be removed, but they were not able to remove them for me.

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 2026-05-07 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 have a claim open for just over {$3600.00} ending in XXXX. I opening this claim back in the beginning of XXXX and every time I called they told me they have everything they need and not worry about it. I have literally called twice a day for a month literally twice a day for a month. Now I just found that was in fact a lie and that they did not have the report. I also just found out that the claim has been rejected 2 more times that nobody told me about and that I did not report the claim on time. How could I not have reported this on time when I called no less than 56 times now they want another 45 days and I am going to lose my apartment because of 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 monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am not sure what is going on, but I have disputed these accounts multiple times and have never received a response. This has become very frustrating, and I am concerned that my efforts to address these issues are being overlooked. If I made an error in the process, it was certainly not intentional, as I have been doing my best to handle this matter properly and in good faith. Please carefully review the attached letter and conduct a thorough investigation into these disputed accounts. I am requesting that my credit report be made complete, accurate, and fully compliant with all applicable reporting requirements as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: CA

Complaint narrative:
There were many charges from XXXX and XXXX of XXXX that were not charged by us. In the statements submitted to them ( and again by an attorney of which they have not responded ), the total charges for the amount of almost {$12000.00}, plus interest charged on those amounts. The fraud department contacted us and we reviewed the charges with them. Then, they denied the dispute. They claimed that the charges were made by me in person because a chip was used. I believe thieves have figured out how to clone a chip card. There are multiple charges in the same day to the same places. Most of these places, you will not see on our normal charges in the past or since then. In addition, I had a very depressed XXXX XXXX because I had a XXXX and wasn't going anywhere during that time, other than doctor 's offices. I have been a loyal customer for nearly 40 years and am stunned that they have refused to cooperate.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
american express keep sending me bills i do not nor have i ever had a card with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: PR

Complaint narrative:
I have a mortgage with Planet lending company and ive had it for several years now. I always provide my insurance and flood insurance policy. I found out two days ago that for the last 3 years the floor insurance that i provided was not sufficient and the lender applied a flood insurance without letting me know. I had no idea that I was paying for two flood insurances and i never even had information on the flood insurance that they placed on my mortgage. I have asked for it and no one can give me a straight answer. they say that my flood insurance was not enough and they just decided to place a more expensive one, but i was never notified. they have my address, phone number, email and social security but could not get in touch with me about this issue? Even in XXXX to XXXX I had full coverage for flood insurance and I paid it in full and i sent all the paperwork proving I had flood insurance and that it was all paid but they still put on their own insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I was granted a loan from Tower Loan in XXXX of XXXX. I have never missed a payment until XX/XX/XXXX. They give a five day grace period and I was one day late and they begin to harass me. My loan is due on the XXXX of each month and on the very next day, the phone calls start. Within the five day period, they called my parents and they are not authorized to do so. They even visited my home on two separate occasions. Their tactics to collect are against privacy and I want them to cease and desist all phone calls to my parents and they are not allowed to visit my home.

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 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I sent the XXXX dollars through RIA Money Transfer to be deposited on XXXX XXXX XXXX in XXXX. The money has been deposited but the receiver could not withdraw the money because there is a mistake on his name. The receiver name is XXXX XXXX XXXX which is the correct name. I called RIA to help with the issues and I have got any answers from them until now. The money transfer PIN number is XXXX. Please let me know what I supposed to do to have a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Originally I opened my account on XX/XX/year>. The card was shipped on XX/XX/year> with an expected arrival date of XX/XX/year>. On XX/XX/year> I received a letter from Capital One with the contents of the envelope being the credit card agreement, no physical card. I called on XX/XX/XXXX, and was informed that the card should arrive on XX/XX/year>. The card did not arrive on that day nor on XX/XX/year>. So I called on the XXXX and was told that the company was not allowed to expedite initial cards. The card was also supposedly delivered on the XXXX. They refused to expedite a new replacement card and told me that I would have to wait another 4-6 and maybe even 7 business days before I would get the card. This would be getting extremely close to over a month since the card was approved.

Company response to consumer: Closed with explanation