vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
During the business week ending the XXXX of XXXX, my debit cards with another bank were eliminated. I had no access to checking accounts without notice and I had to check out of a hotel that friday. At XXXX. I called Valley Bank to inquire about a banking hold on my account, after speaking to a representative, they agreed to remove the hold on the condition that I provide them information which I did. Unfortunately, a short time later another rep calls and asks me the same as the other bank : to leave XXXX XXXX and talk to them at one of their branches. Without access to funds at either bank, I was left XXXX. The problems at Valley have persisted and I am under the same financial conditions. No money, no access to my savings or checking accounts, and no ability to travel to one of their branches. XXXX once again, without a a days notice. The fact that with this information all Valley bank has is a serious of questionable security measures and the unconscionable travel demand after explaining my situation is damaging beyond the offense. I am in XXXX XXXX from standing for hours to enter a XXXX XXXX, for a XXXX to and from, for seats at the XXXX. It is abuse because of their negligence. I need your help. It has cost me a few hospital visits and soon it will cost me more. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPals cryptocurrency deposit system on the XXXX XXXX is designed in a way that allows customer funds to be received but not accessed or returned. PayPal provides users with XXXX deposit addresses for PayPal USD ( PYUSD ). However, these same addresses accept other XXXX tokens, including XXXX, without any rejection, restriction, or effective warning. On XX/XX/XXXX, I sent approximately {$1000.00} XXXX from XXXX to a PayPal-generated XXXX address associated with my account. The transaction was valid and confirmed on-chain, and the funds were successfully delivered to that wallet. However : PayPal does not credit unsupported assets like XXXX PayPal does not reject or return these deposits PayPal provides no recovery mechanism As a result, my funds are effectively trapped in a wallet associated with PayPals infrastructure and are inaccessible. This is not an isolated issue. The same exact scenario occurred in XX/XX/XXXX with approximately {$450.00} XXXX. PayPal issued a one-time courtesy credit but did not recover the original funds, which remain in the destination wallet. PayPal has acknowledged that it can not recover unsupported assets, yet its system continues to accept them without safeguards. This creates a predictable and preventable loss for consumers. I am requesting : XXXX. XXXX assistance in recovering or returning the ~ {$1000.00} XXXX sent on XX/XX/XXXX XXXX. Clarification of PayPals custody and control over wallets receiving these funds 3. Required safeguards to prevent unsupported deposits or allow recovery PayPals system currently accepts customer funds while providing no way to access or return them, which raises serious consumer protection concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase held my check of XXXX that i recieved for selling my car i deposit the check on XX/XX/year> after a week they suspended the check and fully closed my account on XX/XX/year> they as of right now they still have suspended the check as of XX/XX/year> and have not being cooperative at all with telling me how to release these funds they also have already fully received the funds as the check has cleared, so they are holding the funds for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
on XXXX XXXX chase card services denied me for a chase freedom card and based there decision on me having too few accounts on file and they also used my credit score and stated XXXX reported my XXXX being a XXXX when its XXXX 15 usc 1691 i can not be denied credit due to credit score credit history or income any adverse action in a consumer transaction is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Dear Fay Servicing Team, I hope this message finds you well. I am writing regarding XXXX loans currently serviced by Fay Servicing under my XXXX LLCs : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please update the mailing address associated with all XXXX loans to the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Additionally, I would like to request a review of any refund checks issued over the past XX/XX/XXXX years. It is my understanding that some checks may have been sent to an incorrect address. Could you please confirm : Whether any refund checks have been issued and remain uncashed during this period The amounts and issue dates of any such checks If there are uncashed checks, I kindly request that they be reissued and mailed to the updated address listed above. Please let me know if you require any additional documentation or verification to process these requests. Thank you for your assistance, and I look forward to your confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: STIFEL FINANCIAL CORP.
State: FL

Complaint narrative:
This complaint alleges Professional Negligence and Inducement to Contract regarding a residential mortgage originated by Stifel Bank in XX/XX/scrub> 2024. Despite a cooling Florida real estate market characterized by surging inventory and an insurance crisis, the lender utilized an appraisal of {$230000.00} to justify a purchase price of XX/XX/XXXXXXXXan atypical valuation that came in 5 % above the contract price. This inflated valuation effectively masked the propertys true market decline and induced the Borrower into a high-interest loan with immediate negative equity. Given Stifel Banks recent {$130.00} million judgment in Florida for Negligent Supervision, the Borrower asserts that the lender failed to exercise due diligence in vetting the appraisals comparable sales, leading to significant financial injury as internal bank valuations now confirm a catastrophic and predictable collapse in the asset 's value.

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 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Complaint Against : Wells Fargo Home Mortgage Issue : Escrow Account Error / Failure to Refund Duplicate Property Tax Payment This issue has been ongoing since XX/XX/XXXX, when I first notified Wells Fargo of a duplicate property tax payment in the amount of {$1100.00} associated with my mortgage escrow account. I have made multiple attempts since XX/XX/XXXX to resolve this matter directly with Wells Fargo. During this time, I have received repeated assurances that the issue would be investigated and corrected. However, no resolution has been provided to date, and my funds have not been returned. Importantly, the XXXX XXXX XXXX for my property has confirmed that : The duplicate property tax payment of {$1100.00} was received, and The duplicate funds were returned to Wells Fargo in XX/XX/XXXX Despite Wells Fargo having already received these returned funds, they have failed to credit my account or refund the overpayment. On XX/XX/XXXX, I sent a formal written demand requesting an immediate refund. Wells Fargo responded stating they require additional time and will not follow up until XX/XX/XXXX. This response is unacceptable given that : The issue has been ongoing for several months ( since XX/XX/XXXX ) Wells Fargo has already received the returned funds as of XX/XX/XXXX I have relied on multiple prior assurances that this would be resolved Wells Fargos continued delay constitutes unreasonable withholding of consumer funds and failure to properly administer an escrow account in violation of the Real Estate Settlement Procedures Act ( RESPA, 12 U.S.C. 2605 ). Requested Resolution : Immediate refund of {$1100.00} Full escrow account accounting clearly showing the duplicate payment and correction Payment of any applicable interest due to prolonged withholding of funds Additional Comments : This matter reflects a pattern of delay and failure to act despite repeated notice and confirmed receipt of returned funds, which has caused ongoing financial harm. I have provided Wells Fargo a firm deadline of XX/XX/XXXX to resolve this matter. If not resolved, I am prepared to pursue legal remedies. Supporting documentation is available, including proof from the XXXX XXXX confirming return of funds to Wells Fargo.

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 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate billing, improper collection activity, and failure to properly validate a disputed debt by XXXX and XXXX XXXX. I formally dispute the validity and accuracy of this account. There are multiple inconsistencies in the account records that call into question whether this debt is accurate or properly reported. XXXX, the account reflects a late payment in XXXX for a charge related to XXXX. This is chronologically impossible and indicates inaccurate reporting. XXXX, on XX/XX/XXXX, when rent was due, my account showed a {$0.00} balance. I contacted XXXX Management at that time and was explicitly informed that my account was in good standing while I was waiting for the unit to be re-rented. I relied on this information. Despite this, additional charges were later added to the account at the end of the month. These appear to be retroactive charges that were not disclosed at the time and directly contradict the {$0.00} balance and confirmation I received. Additionally, a payment made in XXXX was submitted based on my understanding that the account had already been resolved and was current. This further demonstrates that I acted in good faith based on the information provided to me. The account ledger also reflects inconsistent, unexplained, and potentially duplicate charges, along with fees that were not clearly disclosed or agreed upon. I have supporting documentation, including account records and proof of payment, that demonstrate these discrepancies. I have disputed this matter with both the collection agency and the original creditor and have not received sufficient documentation to validate the debt or explain these inconsistencies. I am requesting the following resolution : Immediate cessation of collection activity until the debt is properly validated Full validation of the alleged debt, including a complete itemized accounting and documentation supporting all charges Correction or deletion of any inaccurate information reported to any credit reporting agencies Explanation of the reported late payment in XXXX for a XXXX obligation Review and removal of any improper or retroactively applied charges If this account can not be fully validated with accurate and consistent documentation, it must be removed from my credit report. This matter has caused harm to my credit profile and must be addressed immediately.

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 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute a debt that has been reported in collections under my name, allegedly from the year XXXX. I would like to clarify that I only lived at the property in question for one month in XXXX. I had to leave due to a domestic abuse situation involving my partner at the time, which forced me to move out urgently. At that time, I personally notified the leasing office of my departure and even submitted a written letter explaining my situation. However, I never received confirmation that my move-out was properly processed. It was not until XXXX that I received an email stating that this alleged debt had been sent to collections. I find this extremely unfair, as I was never properly or formally notified before this action was taken. Additionally, I am very concerned about how my personal information was obtained and used. At the time of my application, I did not have a Social Security number and only used my passport. Therefore, I am requesting a clear explanation of how my information was accessed and used to create and report this debt. Furthermore, this debt did not appear on my credit report until XXXX of this year, despite the fact that approximately XXXX years have passed. This is now negatively affecting my credit, which I have worked hard to maintain by responsibly paying all my obligations, including medical bills and other accounts. Based on the above, I respectfully request : 1. Full validation of this debt. 2. Proof of my legal responsibility for this account. 3. An explanation of how my personal information was obtained and used. 4. Immediate removal of this debt from my credit report if it can not be properly validated. I appreciate your prompt attention to this matter and request a written response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
Over the past XXXX months, XXXX financial service providers have abruptly terminated my accounts without prior notice, explanation, or opportunity to appeal : XXXX XXXX ( account active for XXXX years ) Wise ( most recent ) My Wise account was closed without warning. I was informed the decision was final and not subject to appeal. I immediately contacted customer support by phone and was denied any meaningful explanation. I work in the cruise industry and travel internationally on a continuous basis. I depend on global financial platforms to receive and send funds. These repeated account closures have left me effectively locked out of essential financial infrastructure. At no point was I informed of any violation, suspicious activity, or compliance issue. This reflects a broader issue : consumers are being de-banked by private platforms without transparency, due process, or recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding my business account with M & T Bank. On XX/XX/year>, my account was suddenly placed under review and has remained restricted ever since. As of today, it has been over XXXX weeks with no resolution. During this time, I have been unable to access approximately {$50000.00} of my funds. I have contacted both customer service and my branch multiple times. Customer service continues to state that the account is under review with no additional details or estimated timeline. My banker previously indicated that the account might be closed and a check issued, but no closure has occurred and no funds have been released. I have not been provided with any explanation for the restriction, nor have I been asked to submit any documentation to resolve the issue. This lack of transparency and indefinite delay has caused significant financial hardship to my business. I respectfully request that M & T Bank provide a clear status update, complete the review promptly, and release my funds or issue a closing check without further delay. Thank you for your assistance.

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 2026-03-25 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: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION BEING REPORTED IS INCORRECT AND DOES NOT REFLECT MY TRUE PAYMENT HISTORY. THESE ENTRIES ARE MISLEADING AND UNACCEPTABLE.

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 2026-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Information was leaked Trans union and XXXX! From a Data Breach I would like all Items including inquiries, To be removed From My Credit Account Immediately Thank you 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 non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
b'Bridgecrest Acceptance Corporation is actively violating the Fair Credit Reporting Act and the Truth in Lending Act. On XXXX XXXX XXXX I sent them a formal notice of dispute, revocation of Power of Attorney, and demand for validation regarding account XXXXXXXX via certified mail (Tracking XXXX XXXX XXXX XXXX XXXX. They signed for it. I sent a second notarized notice of default on XXXX XXXX XXXX.\n\nAll documents were NOTARIZED AND SEALED - THERE COULD NOT POSSIBLY BE A QUESTION OF IDENTITY\n\nThey refused to provide my certified contract or validate the debt within the statutory 30-day timeframe. Instead, they use a bad-faith "address / identity mismatch" excuse to deliberately ignore my notarized correspondence.\n\nThey completely ignore my revocation of their Power of Attorney and keep reporting unverified, derogatory marks to my credit profile. This directly violates 15 U.S.C. 1681s-2. Furthermore, they are sending me emails threatening to repossess my vehicle while the account is in active dispute, bypassing their own arbitration agreement entirely. This is targeted harassment and willful non-compliance.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo would always take XXXX dollars out of my account claiming that child support would make them do a search. It was not a forced search, they stole from me multiple times.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged overdraft fees for over XXXX years I have been with Bank of America

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