vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MO

Complaint narrative:
XXXX of XXXX we had noticed First Progress bank had been taking out a reoccurring $ XXXX monthly for a credit card we havent used in years. When we figured that out we called first progress to cancel the credit card and get a refund of almost {$1000.00}. They ended up sending us the refund check but every month sometimes twice a month they take out {$60.00}. We have called multiple times to get them to cancel the payment and to no prevail payments are still coming out. I have sent a email with no end in site. We are down XXXX of dollars in overdraft payments because this comes out without our consent. Trying to get ahold of an actual person on the phone is also a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OH

Complaint narrative:
So back in late XX/XX/year> i checked my account and they overdrafted my account on transactions that they hadn't had any money there to be paid with. But the merchants didn't provide me with the correct services and so i disputed those transactions totaling of XXXX. The bank stated that they would dispute the transactions and issue a credit well they never did. Now here we are XX/XX/year> i called them and tried to express to them the situation and the foreigner that i spoke to he didn't want to get a manager on the phone nor did he try to fix the situation. Well, the problem is, I get Social Security Benefits into that account and they plan on taking the XXXX as they charge me the fees and so forth, and i tried to explain to them that was money for me to live on and pay my bills and they didn't care. NetSpend isn't the company they portray to be.

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 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: LA

Complaint narrative:
I am currently serving on XXXX XXXX in Louisiana and would like to have SCRA benefits applied to my account. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
Basically paid this loan off and even though my loan was paid off ( XX/XX/year> ) before the automatic due date, they STILL took my autopayment of XXXX initially I gave them a month bc in the past when I've overpaid on an account ( not this one ) they mailed me my money back with the next billing cycle, but fnbo did not. I got a statement that my account was XXXX ( which means I Had overpaid by that much ). I did an online chat and the first guy I got said they were sooo far behind in processing refunds that it would take up to 45 days to get a check. That's honestly wild and to me, unacceptable. They took my money via wire transfer, how do they not possess the means to do it in reverse? And even if that's true, how could it possibly take 45 days to write and mail a check? So I waited. Never got a check, got another statement in the mail so this time I called. This time the woman put me on hold while she checked with the dept who writes the checks? I think is what she said and she made it sound like they never even got a request to cut me a check. But said I should get an email update when things are moving forward. The only thing I got in my email was a survey, which I did fill out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/year> I opened a certificate of deposit in the amount of {$100000.00} via TD Bank 's online portal. The {$100000.00} was withdrawn electronically from my savings account and the certificate of deposit was funded. I decided to open a second certificate of deposit in the same amount. The second CD was opened and the {$100000.00} was electronically withdrawn from my account however, the CD was never funded. I was told on XXXX by the customer care center in New Jersey it would take an overnight processing to put the money back in mu account XXXX It has been nine days now, I have spoken to a manager at the customer care center every day. An internal complaint has been written and the issue allegedly sent to an escalation department for correction. That department allegedly had three days to contact me. I have never heard from anyone at the customer care center or the local branch. I continue to call customer care and speak to a manager with no results. I am only asking that they correct their own internal error and they can not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/year>, I visited the PNC Bank branch located on XXXX XXXX to cash a paper United States savings bond. I am an active account holder at PNC Bank. The teller handling my transaction reviewed my physical bond and explicitly instructed me to fill out the required information and sign the back of the bond to process the payout. I complied with the teller 's instructions and signed the bond in their immediate presence. However, after I signed and executed the bond, the teller informed me that the bank 's automated system blocked the transaction because my account has not been open long enough. The teller then refused to cash the bond and handed it back to me. Because the PNC Bank employee instructed me to sign the bond prior to verifying my account eligibility, the bond is now legally altered and pre-signed. Under Federal Reserve regulations, no other financial institution will now accept or cash this bond because it was not signed in their presence. PNC Bank 's staff has effectively ruined my ability to liquidate this security anywhere else, leaving me in severe financial distress. Since this issue was entirely caused by the bank employee 's incorrect procedural order, I am requesting that PNC Bank Corporate grant an immediate executive exception to override the account hold, accept the signed bond, and credit the full cash value to my account immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XXXX XX/XX/year> National Credit System XXXX XXXX XXXX ) XXXX Naturally XXXX XXXX, XXXX, GA XXXX RE : DEMAND FOR IMMEDIATE VALIDATION OF ALLEGED DEBT UNDER FCRA/FDCPA Account # XXXX To Whom It May Concern, This letter is being sent to you in response to your continued attempts to collect an alleged debt. Be advised, this is a formal notice demanding that you provide VALIDATION of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 15@U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. To date, you have failed to provide any legal proof that this alleged debt exists or that you have the right to collect on it. You are required by law to provide the following : 1. A signed agreement bearing my signature that shows I have a contractual obligation to pay this debt. 2. The name and address of the original creditor. 3. A complete payment history and breakdown of how the alleged amount was calculated. 4. Proof that you are licensed to collect debt in my state, including your license number and the name of the issuing authority. You are notified that any attempt to report this unvalidated debt to any credit reporting agency is a violation of the FCRA and FDCPA and will be met with legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau/ ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. I will also pursue all available legal remedies. Let me be clear : no further collection activity is permitted unless and until you provide proper validation. Failure to comply with this request within 30 days will be considered a violation of federal law, and I will act accordingly. This is my official request for you to cease and desist all collection efforts until you have sent me the legally required debt validation. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a United States XXXX XXXX veteran with a 100 % Permanent and Total XXXX rating currently in the process of purchasing a home using my VA loan benefit for my family, which includes XXXX children and a baby expected this fall. I have been a Bank of America credit card customer for several years with an otherwise strong payment history. In XXXX 2026, a single late payment was reported on my account an isolated incident that has since been fully resolved, with the account now completely current and in good standing. I contacted Bank of America to request a goodwill deletion of this late payment from my credit report and was told no department exists to process this request and that I would need to wait 30 days for a written response. This single late payment is causing my XXXX mortgage credit score to fall significantly, creating a direct obstacle to my family securing housing through my earned VA benefit. I am not disputing that the payment occurred I am requesting a goodwill courtesy adjustment based on my customer history, the isolated nature of the incident, my current account standing, and the time-sensitive nature of my VA home purchase XXXX which has a contract signing scheduled this week and a closing timeline of approximately 55 days. I am requesting expedited deletion of the XXXX 2026 late payment from all three credit bureaus, with particular urgency on XXXX, within 15 days.

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 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received a refund from a merchant of {$140.00} for an item i returned, then without warning XXXX permanently banned my account with no explanation citing " security concerns '' I've asked multiple times but all they provide are default canned responses. I can not retrieve the refund or accept the money, or do anything else with the account. The merchant can not get the money back, either. Please advise, thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On Thursday, XX/XX/year>, an unauthorized electronic fund transfer of {$9.00} from the merchant " XXXX '' was posted to my XXXX account. I used XXXX a single time several months ago, but did not authorize this charge or establish any recurring billing token or pre-authorized payment agreement with this merchant. I never received any good in return either for the fraudulent payment. I immediately noticed the fraudulent charge and filed a formal dispute for unauthorized activity directly through the XXXX mobile application. XXXX subsequently denied my dispute, refusing to reverse the charge or reimburse the stolen funds. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, a transaction is explicitly defined as unauthorized if it is initiated by a person other than the consumer without actual authority, and from which the consumer receives no benefit. XXXX has failed to provide any documentation as of yet, device logs, or proof of authorization to justify their denial. By refusing to credit my account, XXXX is failing to fulfill its regulatory obligations to protect consumers from unauthorized electronic transfers. I am requesting that XXXX escalate this case, properly investigate the breach, and credit the {$9.00} back to my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally escalate the wrongful denial of my dispute Claim # XXXX, dated XX/XX/year>, concerning approximately {$1300.00} in charges to my account ending in XXXX posted to merchant XXXX XXXX between XX/XX/XXXX and XX/XX/year>. Chases denial states charges were processed according to information provided or authorized. This determination is legally defective for the following reasons : XXXX. The merchant operates illegally in California. Real-money online casino gambling is not legal in California. Sweepstakes casinos were banned statewide effective XX/XX/year>. This merchant had no legal authority to accept or retain payment from a California resident. A charge to an unlawful merchant can not constitute a valid authorized transaction. 2. I was fraudulently induced. I was affirmatively misrepresented that this platform operated lawfully in California. That representation was false. Once I discovered the fraud, the merchant blocked all contact with me, and I received no lawful services. 3. Chases Regulation E obligations were not met. Under 12 CFR 1005.11, upon my timely notice of error, Chase was required to ( a ) investigate within 10 business days, ( b ) issue provisional credit pending investigation, and ( c ) provide me the specific documents and evidence used to reach its determination if it denied the claim. None of these obligations were fulfilled. Chases letter provided no investigatory findings, no documents, and no provisional credit. I formally demand : Chargeback each and eve try disputed charge to merchant for fraudulent misrepresentation and attempting to use my funds for unlawful activity and services not legal to charge for in California. Immediate provisional credit of {$1300.00} to my account Production of all documents and evidence Chase used in its denial, as required by Reg E Re-opening of the investigation with consideration of the merchants illegal operating status in California Written response within 1! business day If Chase fails to act, I will simultaneously pursue : ( 1 ) a formal CFPB complaint, ( 2 ) a California Department of Financial Protection and Innovation complaint, ( 3 ) XXXX XXXX XXXX action in XXXX XXXX XXXX against JPMorgan Chase Bank N.A. for violation of Regulation E and conversion of funds. Name : XXXX XXXX Account ending : XXXX / XXXX Claim number : XXXX Phone : XXXX Date : XX/XX/year> 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PNC Bank N.A.
State: WA

Complaint narrative:
My loan was transferred to PN C bank. Recived alot of paperwork about mobil banking and to pay my mortgage that way. 60 day grace period. Don't worry about you payments being late. We will notify you when it is fully transferred. That started mid XXXX. My account wasn't transferred till XX/XX/XXXX. I tried to make payments, doing the online banking. Was not successful. Called customer service, was told that my account was not finished transferred yet, dont worry, you have 60 day grace period. It's ok. Week later the P n C bank called me at work stating that I am late!! And I need to pay right now. Tried to explain that i was told that my mortgage it is not fully transferred, not to worry. The person proceed to say no. I have still to this day not able to set up my accounts to get this done. I then proceed to call customer service, talk to a gentleman. Told him I don't feel safe making a payment to a company that does this. He said my account will go to delinquent if I dont. Gave them information to an empty account to prove it was them. Did a full payment 7 days later. I have had nothing but issues. I still do not have access to my account. Now they have charged me more money. My principal has gone up by XXXX. I have made all my payments, the negligence from this bank, miss communication. Mail taking 15 days or more. To get any paper work. 60 day grace period, and that they will work with you is a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Citibank for Wrongful Restriction of Account and Withholding of Funds Dear Sir/Madam, I am writing to formally lodge a complaint against Citibank regarding the wrongful restriction placed on my bank account and the continued withholding of my funds since XX/XX/year>. On XX/XX/year>, I was denied access to my account allegedly due to a deposit issue. I was informed by Citibank that the account would be temporarily restricted for 72 hours to allow for reviews and investigations. However, despite the expiration of that period, my account has remained inoperative, and I continue to be denied access to my funds. Approximately {$12000.00} ( XXXX XXXX Dollars ), including deposits and subsequent credits, remains inaccessible to me. This prolonged restriction has caused severe financial hardship, emotional distress, and significant disruption to my daily life and professional responsibilities. I have made numerous telephone calls and visited the branch several times in an effort to resolve this matter, but no clear explanation or resolution has been provided by the bank. I am a XXXX XXXX, and this ongoing issue has negatively affected both my wellbeing and my ability to effectively perform my duties. Furthermore, I was later informed that the disputed deposit was not made into my account but into another account operated by my daughter. I believe I am a victim of fraud and should not be subjected to continued financial suffering due to apparent negligence and lack of due diligence by the bank. I respectfully request that your office investigate this matter and assist in ensuring the immediate release of my funds and restoration of full access to my account. I also request that Citibank be held accountable for the hardship and distress caused by this prolonged and unjustified restriction. I have exercised considerable patience in attempting to resolve this issue directly with the bank, but unfortunately, no meaningful action has been taken to date. Thank you for your attention to this complaint. I look forward to your prompt intervention and resolution of this matter.

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: ID

Complaint narrative:
I am trying to add my account ending in XXXX to my debt management program. I called today to get my account number and was told they wouldn't provide it to me. They told me to find it on their app, i informed them that the app only shows the last 4 digits and that the debt management program needs the full account number. The representative called me a liar and told me they would not be providing the account number. They are actively making it impossible for me to add this account and have it closed so I can resolve my debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting this complaint regarding a scam that resulted in a fraudulent check deposit and a negative balance on my Wells Fargo account. I was contacted through my booking/business app by someone pretending to be a legitimate client. Communicating through phone numbers is normal in my line of work, so we exchanged contact information to continue discussing the booking and project details. The individual then offered me an opportunity to participate in a project where I would allegedly be paid for the use of my work/services. They sent me a check, which I deposited into my Wells Fargo account believing it was legitimate. After the check was deposited, the individual became aggressive and pressured me to send money back through XXXX XXXX. I was threatened and manipulated into believing I needed to return part of the funds immediately. Acting under pressure and believing the transaction was legitimate at the time, I transferred approximately {$1400.00} through XXXX XXXX to the individual. Shortly afterward, I discovered that the check was fraudulent and had bounced, leaving my Wells Fargo account with a negative balance. I immediately realized I had been the victim of a scam. I have preserved evidence including messages, transaction records, screenshots, phone numbers, and proof of the XXXX XXXX transfer. I also filed a police report, and law enforcement is currently investigating the fraudulent account involved in this matter. I attempted to resolve the issue with both XXXX XXXX and Wells Fargo, but I have not received meaningful assistance. XXXX XXXX has refused to provide information related to the fraudulent account, and I remain responsible for the negative balance caused by this scam. I respectfully request a full review of my case, including the fraudulent circumstances surrounding the check and the transfer. I was deceived and manipulated by an individual impersonating a legitimate client, and I acted based on false representations and threats made against 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