vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Claim # XXXX - Request for Escalation and Reconsideration Thank you for your assistance to date regarding our fraudulent payment dispute dated XX/XX/year>. We were notified this morning by XXXX from Truist Fraud Support that our claim was denied believing 'we had authorized the transaction ( s ) '. The authorization was the result of a fraudulent push payment scheme whereby the fraudster stole credentials and initiated the transfer by using a known XXXX caller ID number and conducting a three-way call with a known Truist caller ID number to facilitate the transaction. We respectfully request this claim to be escalated and re-evaluated for review under US Regulation E ( Unauthorized Fraud ) and the additional facts to our case : XXXX. Timely Report : Under Regulation E, if a consumer reports a fraudulent event within XXXX business days, personal liability is limited to {$50.00}. We reported the event within XXXX minutes of the event ( XX/XX/year> ) and assigned claim # XXXX. XXXX. Bank statements showing the date / time of the XXXX transactions in question dated XX/XX/year>, further evidence of our timely reporting to both Truist and the Police. XXXX. We closed and opened a new savings account designated for our daughter 's education ( $ XXXX ) to prevent any unauthorized activity given the fraudster had access to my entire credential profile for XXXX, Truist, XXXX and mortgage lenders. I also notified XXXX and our mortgage lenders to communicate the fraud and prevent any unauthorized lending activity on my behalf. XXXX. Police Report : we reported the fraudulent event to the police on XX/XX/year> and provided evidence of this police report to Truist as part of the claim review. I also provided the name and number of the police XXXXnvestigator assigned to my case on XX/XX/year>. XXXX XXXX - XXXX License and Theft, number XXXX. The police report is attached. XXXX Credit Bureau Notification : We notified the XXXX credit bureau agencies ( XXXX XXXX XXXX and XXXX XXXX to report the fraud activity and placed a ( XXXX ) year restriction on granting credit to any lending agency as well as set up alert notifications of any and all activity against my credit profile.

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 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing this complaint regarding unauthorized charges and a disputed loan balance associated with my Cash App account. My account was compromised, and unauthorized transactions were made using the Cash App Borrow feature without my knowledge or consent. I reported this issue to Cash App support, but I have not received a meaningful response or resolution. Despite my dispute, Cash App continues to charge compounding interest on the fraudulent balance and has failed to properly investigate my claim as required under the Electronic Fund Transfer Act ( EFTA ). I am requesting the following : XXXX. A full investigation into the unauthorized transactions XXXX. Removal of all fraudulent charges and associated interest XXXX. Written confirmation that I am not responsible for this debt XXXX. Immediate suspension of all collection activity related to this disputed balance Cash Apps failure to respond and continued interest charges on fraudulent activity is causing financial harm and distress. I request prompt resolution and accountability in accordance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is a Summary of the Fraud Issue I sent to Chase Bank with no response as of today : I am writing to formally escalate an urgent and deeply concerning issue regarding repeated unauthorized ACH withdrawals from my account totaling approximately {$10000.00}. I initially reported this fraud in XXXX through my XXXX XXXX XXXX and immediately took corrective steps, including changing my account. Despite this, the fraudulent activity continued through both XXXX and XXXX. To date : Multiple fraud claims ( at least XXXX ) have been submitted on my behalf Each claim has been denied by the fraud department The unauthorized ACH activity persisted even after it was reported and documented My banking team has acknowledged that this is clearly fraudulent activity, yet no meaningful investigation or resolution has occurred At this point, I am extremely concerned that : XXXX. My account was not adequately protected after the initial fraud report XXXX. The fraud department has failed to conduct a proper investigation XXXX. There appears to be a complete breakdown in communication between banking and fraud departments XXXX. I have been left financially exposed despite repeated escalation attempts This situation is unacceptable. I am requesting the following immediately : A full, documented review of all fraud claims submitted on my account Written explanation for each denial decision Immediate reimbursement of all verified unauthorized transactions Confirmation of what safeguards have been implemented to prevent further fraud Direct contact with a senior member of the fraud investigation team If this matter is not resolved promptly, I will be forced to : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies Engage legal counsel to pursue recovery of funds and damages Move all accounts from JPMorgan Chase and share my experience publicly I have been a long-standing client and former employee of JPMorgan Chase XXXX which makes this lack of resolution even more disappointing. I expect immediate attention to this matter and a response within XXXX hours. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Company : XXXX ( Bank : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ) Issue : Violation of the XXXX % Fee-Harvester Cap ( 12 CFR 1026.52 ( a ) ) I am filing this complaint because XXXX has violated federal law under 12 CFR 1026.52 ( a ) ( Regulation Z ) by charging non-exempt fees that exceed XXXX % of my initial credit limit during the first year of account opening. The Facts : XXXX. My credit limit is at {$350.00}. XXXX. Under federal law, the total non-penalty fees I am required to pay in the XXXX year can not exceed {$87.00} ( XXXX % of {$350.00} ). XXXX. XXXX charged an {$85.00} Annual Fee upon opening. XXXX. Additionally, XXXX charges a {$2.00} Monthly Paper Statement Fee. XXXX. XXXX also charges miscellaneous fees as well. The Violation : As of my current billing cycle, the total non-exempt fees charged to my account equal {$89.00} ( {$85.00} annual fee + {$4.00} in statement fees ). This total is {$1.00} over the legal federal limit of {$87.00}. I contacted XXXX to dispute these fees and requested a waiver of the annual fee to bring the account into compliance. XXXX formally declined my request, claiming the fees were 'disclosed in the Cardholder Agreement. ' However, a contract can not override federal law. I am requesting that the CFPB compel XXXX to waive the annual fee and any excess charges that violate the XXXX % fee-harvester cap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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:
I am filing this complaint against Citibank regarding multiple disputed transactions on my My Best Buy Visa credit card. I identified several unauthorized and/or incorrect charges on my account and promptly submitted disputes through Citibanks dispute system. These transactions include amounts such as {$280.00}, {$230.00}, and several smaller charges such as : {$17.00} {$30.00} {$40.00} {$25.00} {$15.00} Despite my timely dispute, Citibank has failed to properly investigate these transactions in accordance with the Fair Credit Billing Act ( FCBA ). I have reason to believe the investigation process has been inadequate and not conducted in good faith. These charges are either unauthorized or involve billing errors, and I have not received proper resolution, clear communication, or supporting documentation explaining any decisions made.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I am on paperless billing and the only way to see my statement is through the Columbia Bank app which will not allow me to view or download any statements. I tap the link to download a statement, the screen changes to a different but blank page then switches back to the screen to select which statement to download. Nothing downloads in the background, I have checked my files repeatedly. I have clicked on every single statement available to me and none of them are available to view. This means I have no idea what's on my statement at all.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Hello, I am writing regarding my fraud claim related to XX/XX/year>, which has now been marked as closed. This case involves documented impersonation and social engineering fraud. The transactions were conducted under deception and do not constitute valid authorization. I have now filed formal complaints with the Consumer Financial Protection Bureau and the Arkansas Attorney General. I am requesting that this case be reopened and reviewed in light of regulatory oversight. Please confirm receipt of this notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: NJ

Complaint narrative:
I am a resident of New Jersey reporting an illegal forfeiture of funds by Onbe ( operating as XXXX XXXX XXXX ). I was issued a digital prepaid card for {$30.00} ( Token : XXXX ) which had an expiration date of XX/XX/2026. When I contacted customer support to access my remaining balance, they stated : " Upon expiration of this prepaid card, any unused funds are forfeited. This card is now closed with XXXX funds and can not be reissued. '' The issuer is improperly classifying my card as an exempt " promotional '' card to justify forfeiting my balance. However, this card was issued as a payout of my earned cash back balance from XXXX. Because I exchanged my earned cash balance for this card, direct monetary consideration was paid. Therefore, this card does not qualify for the promotional exemptions under 12 CFR 1005.20 ( a ) ( 4 ) or N.J.S.A. 46:30B-42.1 ( e ) ( 1 ). As a standard general-use stored value card, the underlying funds of {$30.00} are subject to the XXXX federal minimum and the strict prohibitions against forfeiture under New Jersey consumer fraud statutes ( N.J.S.A. XXXX ). The companys policy of " XXXX out '' my earned funds for corporate profit is an illegal XXXX of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My company has been having multiple issues with Truist delivering ACH checks on the deliver by date. Truist bank phone support states that all the checks have been sent. This has now become the norm with them, and we can't get any resolution on this aside from paying a fee to stop each of the checks and reissue them. XX/XX/XXXX - {$16000.00} - ACH Check reported delivered by Truist, customer never received check XX/XX/XXXX - {$50000.00} - ACH Check reported delivered by Truist, shareholder never received the check. XX/XX/XXXX - {$50000.00} - ACH Check reported delivered by Truist, another shareholder never received the check.

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My XXXX XXXX XXXX property tax bill ( due XX/XX/XXXX, amount {$8500.00} ) was not paid by my mortgage servicer, Shellpoint Mortgage Servicing ( NewRez LLC ), despite my escrow account holding over {$12000.00} in available funds throughout the entire period. I discovered the failure in early XX/XX/XXXX and immediately filed a formal complaint through their portal. I have since called XXXX times, been assigned a de-escalation manager ( XXXX XXXX ) who stopped responding after XXXX week, and escalated in writing to XXXX leadership today, XX/XX/XXXX - the final day before delinquency. On XX/XX/XXXX, Shellpoint attempted a disbursement of {$8900.00} - already {$350.00} more than the original discounted amount due solely to their delay. On XX/XX/XXXX, a " Tax Refund No Report '' transaction shows the payment was returned due to an administrative error on Shellpoint 's end. This is their second failure on the same bill. As of today, XX/XX/XXXX, the tax remains unpaid. A XXXX confirmed this morning they could not guarantee payment today. I sent a written escalation to XXXX NewRez executives by name citing RESPA Section XXXX with a XXXX PM deadline. No response was received. Additionally, the {$350.00} penalty resulting from their late disbursement was absorbed by my escrow account and reflected in a reduced surplus refund of {$1500.00} issued XX/XX/XXXX. That penalty is Shellpoint 's liability under RESPA, not mine. I have made every mortgage payment on time and have never been in default.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint regarding Capital Ones mishandling of a billing dispute. On XX/XX/year>, I was charged for a hotel reservation booked through a XXXX-party platform ( Super.com ) for a specific room category : XXXX XXXX XXXXXXXX XXXX XXXX However, the hotel later confirmed in writing that the reservation was actually made for a different and lower category room : XXXX XXXX XXXX. This confirms that the service provided did not match what was purchased. I submitted documentation to Capital One including : Written confirmation from the hotel showing the room category mismatch Pricing information demonstrating the value difference between the categories Supporting communication related to the reservation Despite this evidence, Capital One denied the dispute on the basis that service was provided, without addressing that the service provided was not the service that was purchased. This is not a dispute about a refund, cancellation, or credit voucher. I am not claiming the stay did not occur. I am disputing that the correct service was not delivered as agreed at the time of purchase. Capital One failed to properly investigate the dispute and did not meaningfully review or address the documentation submitted. Their response did not explain how the evidence was evaluated. I am requesting : Reopening of the dispute A proper and documented investigation of the service mismatch Reversal of the incorrect charge or adjustment based on the difference in value

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
They send an email that my check got bounced but my bank dont have no records of that. I showed proof of me making payments on XX/XX/XXXX for XX/XX/XXXX but they saying I didnt. Asked to talk to someone now I cant get nobody on the line. I have proof this is retaliation of me reporting them the first time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I want to thank the CFPB for providing a clear and accessible process for consumers to report fraud. Your platform ensures that companies are held accountable and that victims have a voice when faced with financial wrongdoing. I am submitting this complaint to escalate a fraud claim totaling {$4800.00} ( MTCN XXXX ) originally reported on XX/XX/year>. Despite submitting full documentation, including police reports, FTC complaints, XXXX prior CFPB complaints, BBB complaints ( now closed ), and multiple letters to Western Unions executive office, I have received no substantive resolution or reimbursement. Their continued inaction demonstrates a lack of sympathy and a failure to protect fraud victims, leaving consumers exposed and at risk. Western Union has repeatedly responded with : Generic apologies and template denial letters Statements claiming their resolution is final Pointless representative calls that accomplish nothing Excuses based on mobile authorization or internal policies that block legitimate reimbursement The executive management team claims that they attempted internal escalation of my case. Based on their continued refusal to reimburse or provide documentation, I do not believe any meaningful internal escalation occurred. It appears their statements were made to create the appearance of action while no real steps were taken to resolve verified fraud. I fully anticipate that Western Union will respond to this complaint with the same generic denial letters, final resolution statements, and template responses that have been used repeatedly over the past month. This is unacceptable. Fraud victims like myself remain threatened and vulnerable when companies refuse to act, and I am requesting CFPB intervention to ensure accountability and restitution. I am requesting that CFPB review this escalation, hold Western Union accountable, and ensure that my claim of {$4800.00} is reimbursed promptly. All prior communications, documentation, and attempts at resolution are attached for your review. Thank you for your attention to this matter. I greatly appreciate CFPBs commitment to consumer protection and your support in ensuring companies fulfill their obligations to victims of fraud. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I bought a gift card from the XXXX XXXX and it was a fake a scams it was just a peace of baby

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am filing this complaint because PORTFOLIO RECOVERY ASSOCIATES LLC has failed to provide legal proof of their authority to collect on account # XXXX. On XX/XX/year>, I sent a formal dispute ( see attached copy ) via certified mail ( Tracking # XXXX ). In that letter, I specifically demanded PORTFOLIO RECOVERY ASSOCIATES LLC authority to : collect the debt, signed agreement between alleged debtor and creditor, any insurance claims or judgements regarding this account, name and address of the alleged creditor, Alleged account number, Amount of the alleged debt, Date the alleged debt became payable, Date of original charge off or delinquency, Unbroken 'Chain of Title ' and a copy of the purchase agreement proving this agency owns the legal rights to this specific debt complete accounting of alleged debt, To date, the agency has failed to provide this documentation, which is a violation of the FDCPA. I request that all collection activity cease until legal authority is proven

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I have yet to receive any notifications from NCB Management via mail. I never received the odometer report of resell of the vehicle, the letter of repossession with the date, or balanced owed. They are reporting to the credit bureaus that I own {$10000.00} plus which seems very suspicious. My residents have changed in the last XXXX years.

Company response to consumer: Closed with explanation