vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A buyer was sending me {$1500.00} via XXXX for a trailer they were buying from me. XXXX said they were holding the funds until i sent the buyer {$500.00} on paypal to confirm a transaction link. I sent the money and sent the requested screen shots to XXXX. They then said that I needed to call a supervisor. After spending hours on the phone with them screen sharing my phone screen and making me download multiple apps such as XXXX and buying bitcoin to send more money to create another transaction link. I now have sent approximately $ XXXX {$3000.00} and im broke. They are refusing to send me any of my moneyback. I have screenshots of all the transactions and emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am writing to address an issue with incorrect information reported on my credit report by SYNCB/AMZN . My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I have two accounts with SYNCB/AMZN that are incorrectly marked as derogatory on my credit reports, even though both accounts have a balance of {$0.00}. The first account, ending in XXXX, is reported as derogatory on my XXXX credit report, and the second account, ending in XXXX, is reported as derogatory on my XXXX credit report. Both accounts have been fully paid off, and there is no outstanding balance, which should be reflected in a favorable status on all credit bureaus. The current derogatory status is affecting my credit scores significantly, as evidenced by my current credit scores : XXXX XXXX, XXXX XXXX, and XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and expect it to be corrected in a timely manner. I have reached out to both XXXX and XXXX to dispute the inaccuracies, but the accounts remain derogatory. This incorrect reporting has caused me a great deal of XXXX and has negatively impacted my ability to obtain new credit, which is crucial for my financial wellbeing. I am requesting that both accounts be thoroughly investigated and corrected to reflect a {$0.00} balance with a non-derogatory status. This would align with the accurate financial history of my accounts and help repair the damage done to my credit score.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB, I am filing this complaint regarding materially misleading and inaccurate information provided to me by a JPMorgan Chase customer service representative concerning a transaction involving the merchant XXXX. The transaction at issue was in the amount of {$23.00} and was initiated by the merchant, which properly collected the payment from my account. The payment was successfully processed and completed on the merchants end. However, when I contacted JPMorgan Chase by phone to inquire about the transaction, I was told by a Chase representative that the merchant had not honored the payment. This representation was inaccurate. After speaking directly with the merchant, I was informed that the {$23.00} payment had in fact already been collected and processed successfully. In other words, the information provided to me by Chase was incorrect and materially misleading. I relied on the statement made by the Chase representative in attempting to understand the status of my transaction, only to later discover that the information given to me was false. This is deeply concerning. Consumers are entitled to accurate information from their financial institutions, particularly when inquiring about account transactions and payment activity. Providing inaccurate or misleading statements regarding whether a merchant has collected funds creates unnecessary confusion, undermines consumer trust, and may interfere with a customers ability to appropriately manage their finances. I am requesting that JPMorgan Chase conduct a formal investigation into this matter, including a review of the call in which I was provided this inaccurate information. I also request that Chase determine why I was told the merchant had not honored the payment when the merchant had already successfully collected and processed it. I am further requesting that Chase provide a written explanation of what occurred, including whether the representative misread the transaction, misunderstood the payment status, or otherwise provided inaccurate account information. In addition, I request that Chase review its customer service training, supervision, and quality assurance procedures to ensure representatives do not provide inaccurate or misleading transaction information to customers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One closed my Quicksilver credit card account ending in XXXX. In the written closure letter dated XX/XX/year>, Capital One stated that it observed activity on one or more of my Capital One accounts that was inconsistent with typical customer account usage. After receiving the closure notice, I contacted Capital One immediately to try to resolve the issue. I was told that once the account was paid to {$0.00} and 5 business days had passed after the payment posted, I could call back and request a reopening review. I followed those instructions exactly. My payment posted on XX/XX/year>, the account was brought to a {$0.00} balance, and I waited the full 5 business days before calling back. I then called Capital One again as instructed and requested a reopening or reinstatement review. The first representative declined the request, and I also escalated to a supervisor. The supervisor also declined to reopen the account. My concern is not simply that Capital One closed the account. My concern is that I followed the process Capital One gave me, corrected the issue, paid the account to {$0.00}, waited the required time, and still did not receive a meaningful reconsideration. The explanations I received were also vague. The written closure letter only referred generally to activity inconsistent with typical customer account usage. During the later phone call, I was told something vague about a possible violation of terms or similar language, but Capital One did not clearly identify what specific term was violated, what exact activity caused the closure, or why the account could not be reconsidered after I completed the steps I was given. This recent issue was not typical of my overall relationship with Capital One. For about a year, I generally paid on time or early. My account had previously been moved from secured to unsecured after about five months, and I was later offered another Capital One card multiple times, which I chose not to accept. That history shows that this recent difficult period was not representative of my normal account behavior. Since that period, my broader credit profile has also improved again. I paid down other card balances as well. I am submitting this complaint because I believe Capital One should provide a substantive second-level review or a clear written explanation of the specific reason the account can not be reopened after I followed the process I was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I paid the full amount more than 1 month and they dont want to remove from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a account through Wells Fargo in XXXX of XXXX I had my account in excellent standing having over XXXX deposits and constantly on phone with bank every other day trying to access my funds cause they locked me out of my account, they allowed me to have a account until I opened a savings account and I added XXXX to my savings and now they decided to shut my account down XX/XX/XXXX but not allow me to access my account or use my funds due to them randomly shutting my account down on XX/XX/XXXX ... it's XXXX and I should be able to use my account until closure

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Made a deposit in the branch with a teller on XX/XX/year> with a cashier check that we have obtain from doing a job for XXXX XXXX company which was made payable to my company XXXX XXXX with a cashier check for {$6300.00}, which i was advised by the teller that it would've been available the next day no holds by the system. On XX/XX/year> i return to the bank to retrieve my funds to make payroll, pay supplier and etc. that's when i was advise that the back office placed a 10 day hold on my funds dued to account only being less than 30 days old, so i went into branch and the teller advised me that the check was being held for posssible fraud, so the teller call the fraud dept. and they provided a case num and couldn't tell me nothing so a few days later i contacted the fraud dept. and was advised i needed to go into the branch with 2 forms of ID to verify my account, so went into the branch again spoke with the manager XXXX at the XXXX XXXX branch in XXXX she then contacted the fraud dept. again and was asked to verify my 2 forms of ID which by the i have already done once before by email on XX/XX/year>, so the XXXX proceeded on conversation with the fraud dept. and they it was verified and on XX/XX/year> the funds will be released, on the XXXX the funds were not released so i contacted the fraud the dept. again and now was advised the the hold was extended on the day before the release date saying now i needed proof of that i own XXXX XXXX and that were in process of closing my account for no given reason, so i provided with my SC ARTICLES OF ORGANIZATION AND CERTIFICATE OF EXISTENCE on XX/XX/year> and since then spoken with several supervisors and just keep getting the run around so now they are saying that we can go to the bank and pick of {$10.00} which was my balance in the account before the {$6300.00} deposit and they also already collected the {$6300.00} for my customer bank account, i really help i done nothing wrong no negative balances no nothing now im possibly going to be sued by my customer by not returning to finish the job cause truist stole our money

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 2026-04-28 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: MI

Complaint narrative:
I was at Bank of America in XXXX Michigan when I tried to deposit XXXX in cash to the ATM. I put it into the ATM and the screen had a waiting sign for about 3 minutes then the screen went white and came back and said that the ATM was not accepting or dispencing cash. I tried to call the help line on top of the ATM and they said it takes 10 days to get the money back into my account. I am in the process of buying a house and need that money to make a payment on it before we lose it. I dont have another XXXX to put in while this gets figured out. I need the money today to put into the house.

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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am submitting an additional complaint regarding my auto loan and the repossession of my vehicle. After my car was repossessed, I was contacted by a representative from the bank who informed me that if I had requested assistance at any time before repossession, there may have been options available for me to keep my vehicle. He specifically stated that I could have been offered an arrangement to pay the past-due balance, late fees, and repossession fees in order to reinstate the loan and recover my vehicle, rather than being required to pay the full remaining balance of approximately {$30000.00}. However, the representative then provided me with incorrect contact information, and I havent been unable to reach him again. I was told he was the only person handling this matter. Since then, every other representative I speak with claims there are no records of our conversation, no notes regarding the options discussed, and no assistance available. I have also received conflicting and inaccurate information from additional representatives. I am requesting that the bank conduct a full internal review of all call recordings, account notes, and communications related to my loan, especially the conversation where I was informed that reinstatement options may have been available. I also request the bank review the date when I changed my payment setup to split payments. That was the time I was actively seeking assistance and trying to make my payments more manageable. This demonstrates that I was attempting in good faith to avoid default and keep the account current. I believe I was not properly informed of available hardship assistance, reinstatement options, or loss mitigation opportunities before repossession. If accurate information had been provided in a timely manner, I may have been able to avoid repossession entirely. I am requesting : XXXX. Immediate review of all recorded calls and account history. XXXX. Verification of whether hardship or reinstatement options were available prior to repossession. XXXX Review of the misinformation provided by bank representatives. XXXX. A fair opportunity to reinstate my loan and recover my vehicle without being forced to pay the full accelerated balance. XXXX. Written clarification of all options currently available to resolve this matter. I am asking for a fair resolution based on the banks own statements and records.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I deposited an employer check under {$100.00} into my PenFed account. The funds showed as available in my account balance. I used autopay to XXXX XXXX taxes based on the available balance shown. The payment failed anyway and PenFed charged multiple fees ( {$10.00} + {$10.00} + {$30.00} ). I contacted the credit union twice requesting reversal of fees due to misleading funds availability but received no resolution. First time they said no because account was closed, and second time no one removed the fees. I have uploaded the statement, you can see where I had funds, made payment after it showed available balance, thought it would not go through so tried to make a payment for a smaller amount, then decided to pull funds when I realized it was not going through and this credit union is a scam for holding funds from employer deposit. Because of this issue I must now pay taxes in person using certified funds or cash. I believe the available balance display was inaccurate and caused unnecessary fees. I am requesting removal of all related charges and review of PenFeds deposit availability practices. This put me in a bad possession with the law over them holding a check less than XXXX for my employer and is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Yesterday Monday XX/XX/year> after XXXX XXXX I made a check deposit to my TD Bank Checking account using the TD Bank XXXX XXXX. My check was a XXXX of XXXX Government issued check back by the full faith of the XXXX of XXXX XXXX, and it was an in-State check ( not an out-of state check ). The amount of the check was not large, nor was this check being redeposited, nor had I had any repeated overdrafts. I asked multiple TD Bank customer service agents, on the phone and thru emails, and no one can tell me the reason why someone in their XXXX XXXXXXXX XXXX XXXXXXXX Department put a XXXX day business hold on my check. The amount of the check was {$2500.00}. TD Bank 's actions here against me are causing a tremendous financial hardship, as I need this check funds to be available to pay my mortgage, car insurance, etc. and buy food. TD Bank even sent me their own Check hold guidelines ; which shows XXXX categories that would cause a hold of up to XXXX business days, but I meet none on of them, and have repeatedly told them ; and I even asked them to tell me which category are you saying I am in, but they say that they do not do not know. I have been banking with TD Bank for many years, even when it was originally XXXXXXXX XXXX, and any check I deposited was generally available the next business day or the second business day, unless it was an out-of state check, which I can understand the reason for that type of hold. But here, my check is an in-State Check, and is a State of XXXX Issued check ( not a personal check, or from an unfamiliar business, etc. ). This situation is very upsetting. TD Bank is not the way they used to be ( very consumer friendly, but no more ). They even raised the minimum balances on check accounts from {$100.00} to {$250.00} this past XX/XX/year>. I am a senior citizen. Please help me. Thank you for your assistance, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX email : XXXX cell : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
This is a follow-up to Complaint ID XXXX Since filing that complaint, the branch XXXX XXXX XXXX and XXXX XXXX XXXX to XXXX XXXX primary government ID, which I had to retrieve this morning. Furthermore, my analytics show the bank pinged my site again, several times on XX/XX/year> beginning @ XXXXXXXX XXXX only after my complaint to CFPB, showing they are now trying to retroactively justify their actions. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I. Security Breach and Gross Negligence Regarding Sensitive PII The financial institutions failure to return my primary government identification ( XXXX Drivers License ) upon the conclusion of my visitcoupled with a total lack of internal policy or effort to contact me for its returnconstitutes a significant legal liability. By withholding my identification, the bank interfered with my ability to conduct essential regulatory business and notary appointments. This mishandling of my primary security credential is a direct violation of federal PII ( Personally Identifiable Information ) safeguards under the XXXX XXXX XXXX XXXX XXXX and the XXXX Identity Theft Enforcement and Protection Act. The fact that no attempt was made to notify me of this security lapse indicates a gross deviation from standard banking protocols and a failure in the institutions duty of care. XXXX. Evidence of Pretextual Denial and Bad Faith The companys initial denial for " lack of business verification '' is demonstrably pretextual. My digital analytics logs confirm that bank personnel actively pinged and accessed my business website from the bank 's location, which occurred after the formal complaint was initiated. Again, this proves the institution was fully capable of verifying the business but chose to issue a denial based on subjective bias and " discomfort '' rather than an actual lack of information. This sequence of eventsthe pretextual denial followed by the negligent withholding of my identificationindicates a pattern of retaliation and discriminatory practice. I am seeking a full investigation into these systemic compliance failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
Company Name : Vance and Huffman LLC Issue : Incorrect debt / Improper debt collection practices Complaint : I am filing a complaint regarding a collection account being reported by Vance and Huffman LLC that I believe has not been properly validated. The company claims that validation documents were sent to me in XX/XX/year> ; however, I never received any such documentation. I recently contacted the company to request that validation be resent, including an itemized breakdown of charges, a copy of the lease agreement, and proof of the balance being reported. The company refused to provide this information again and stated they are not obligated to resend documentation. As a consumer, I have the right to request validation of a debt that is being actively reported on my credit file, especially when I have no record of receiving prior documentation. The company is continuing to report this account without providing sufficient proof of its accuracy or completeness. I am requesting that the company either provide full and proper validation of this debt or remove the account from my credit report.

Company response to consumer: Closed with explanation