vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
On XX/XX/, we found from a review of our account with South State Bank that approximately {$10000.00} had been fraudulently withdrawn since the last statement. We immediately submitted a dispute to the fraud department who investigated it. Eventually, the bank issued a credit to our account for the amount removed fraudulently. However, we then asked for information about how this withdrawal happened and why the unauthorized debits were not flagged by the bank. We were sent some documents which the bank said were used to process the dispute, all of which were unintelligible and did not answer our inquiries. We contacted the bank and advised them that the information provided did not respond to our request ; the bank has not replied despite my representation that I would pursue this further if they refused to respond. It has not responded, hence this complaint under the EFTA and Regulation E. 
The Dispute ID with the bank is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had an HSA account that was initially set up when I had an employer & I had a monthly service fee if I didnt keep a balance of {$3000.00}. Well I no longer work for XXXX XXXX XXXX XXXX & I was told I could create a new account & transfer funds & it would NOT be subject to monthly service fee. 
Well I did that & now HSA bank is telling me they will not transfer the funds until I do a name change of my middle initial on the newly created account. I looked at my old account & I do not have my {$10000.00} there & in my new account it is {$.00} available. HSAbank representatives have proven to be unhelpful & give conflicting information. A mgmt member promised to call me back and surprise surprise he NEVER called me back to update me. I think they are being sneaky & I do not have access to my {$10000.00} & they wont tell me where my money is or WHY I can not access it. I have made no less than 8 calls to them in the last few weeks trying to get it rectified. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
This is a second complaint regarding and issue they fail to correct or even address correctly. Term of my deferred interest on purchases made over {$1900.00} on XX/XX/XXXX was for 24 months! For some crooked reason, they made it 12 months and now think I will pay over {$2500.00} in interest that is not due until XX/XX/XXXX. I will need fall to deception or theft. This needs to be corrected. Nothing is also due now, as Inpaid the correct amount due in full! 

After letters and calls and complaints, this needs to be resolved. It is clearly their error!

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We are currently trying to purchase a new home and cant get approved because we have two late payments showing on our current mortgage. These late payments are not our fault and should be removed from our credit history. I have automatic next day external transfers from Bank of America sent to my Mortage loan at XXXX XXXXXXXX XXXX XXXX XXXX. This payment transaction has been set up since XXXX  and the current transaction has been set up since XX/XX/XXXX. It is currently set up to send {$4400.00} each month. I have it set up to send the XXXX of each month. The issue is my mortgage company has reported 2 late payments for me because Bank of America never sent my payment in XX/XX/XXXXXXXX  and I was not notified until XXXX. The second issues is the payment doesnt actually send until XXXX XXXX and the receiving bank doesnt even receive it until the XXXX. So I am not receiving next day service causing my payments to arrive late. This is causing me to accrue more interest and late fees. I have confirmation emails showing the XXXX payment ( and all other payments ) was scheduled. I have confirmation showing that we had sufficient funds in my account in XX/XX/XXXX. On Bank of Americas recorded lines we have been told that they show an error code on XX/XX/XXXX showing our payment didnt get sent. I never received notification that the payment wasnt sent or there was an error. It wasnt until XXXX that the Mortage company reached out asking about late payments. After researching I confirmed that the payment wasnt sent and I wired an additional payment in XXXX. No other transactions have failed to process. All we are asking for is a letter from Bank of America stating there was a processing error. However, when trying to get help resolving the matter with Bank of America we get the run around and transferred from department to department. Weve tried to resolve this over the phone and in person at multiple branches now for almost a month. They state there is no one that can write a letter and that they must choose from a drop down list of options. When and if they can get a letter they can only mail it which takes 7-10 business days and in some cases they are able to put it in the portal within 24-48 hours. Each letter that we have received from them doesnt take accountability or has nothing to do with the error that has occurred. Each time causing the process to start over. This situation has put us in jeopardy of loosing our new home and has caused undue stress. It has negatively impacted our credit score and our ability to purchase.

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 2026-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter from KeyBank Prepaid Card Services stating that because my prepaid debit card was inactive, I would begin incurring a $ XXXX  monthly inactivity fee. The letter stated that the only way to avoid this fee was to use the card and provided a phone number ( XXXX ) for questions or assistance. 

I made multiple good-faith attempts to contact this number. Within the first week of receiving the letter, I called twice and spent a cumulative XXXX hours on hold without ever reaching a representative. In late XXXX, I called again and waited an additional 15 minutes with no response. On XXXX [ date ], XXXX, I called again and was disconnected automatically due to high call volumes. 

I then attempted to resolve the issue online, but KeyBanks website would not allow me to proceed without my original prepaid debit card PIN. I no longer have this PIN because the card has not been used in over five years and was discarded after its original use. 
I subsequently contacted KeyBank through a separate customer service number. That representative was unable to assist because the matter was handled by the prepaid division. They attempted to contact the prepaid division on my behalf, and we spent approximately 15 minutes attempting to reach someone. They were also unable to get through and were disconnected due to high call volumes.

As a result, KeyBank is threatening to assess inactivity fees while simultaneously providing no functional way for me to use, reactivate, close, or otherwise resolve the account. I have made repeated, documented attempts to comply with their instructions, but their customer service is effectively unreachable, creating an unavoidable fee situation through no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I paid my Capital One credit card in full on XX/XX/XXXX and closed the account on XX/XX/XXXX. At the time of payoff and closure, I was not informed that any additional interest or fees could post after the account was closed. 

Despite this, Capital One assessed an interest charge on XX/XX/XXXX, a late fee on XX/XX/XXXX, and additional interest on XX/XX/XXXX. I received no clear written notice of a remaining balance or due date after the account was closed. 

I contacted Capital One on XX/XX/year>XXXX  at approximately XXXX XXXX  and spoke with an agent named XXXX ( Agent ID XXXX ), who refused to remove these charges. 

Charging a late fee and additional interest on a closed account without proper disclosure or notice is improper. I am requesting removal of all post-closure charges, confirmation that the account balance is {$0.00}, and assurance that no negative credit reporting has occurred or will occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: MA

Complaint narrative:
I applied for eToro USA - Deposit Bonus Promotion as per the terms and conditions and satisfied the requirements of the promotions as laid out in the attached terms and conditions. However, eToro would not pay the total bonus amount of {$500.00}. Instead they paid out {$30.00}. When I asked about the remaining amount of the promotion, they indicated bonus was applicable on the first deposit value. I sent the promotional Terms and Conditions, which I downloaded ( attached as a proof ) and it doesn't mention anywhere that the bonus amount was applicable on the first deposit value. They replied back to me that they are viewing the qualification based on an updated promotional Terms and Conditions. This is unfair way to steal the promotional amount I deserve based on the terms and condition I read when I applied for the account. The case number is Case : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prime Recovery LLC
State: LA

Complaint narrative:
Prime recovery is repeatedly calling 3-5 times every few minutes, I try to call back to request Debit validation and to request they stop calling and phone rings and hangs up without being able to speak to anyone. I would like to send them a cease and desist but need the address to send., I will only communicate via mail. 
today alone i received a call and voicemail at XXXX, XXXX & XXXX this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Capital One - Missing Security Deposit on Former Secured Credit Card To Whom It May Concern, I am submitting this complaint regarding a missing security deposit related to a Capital One Secured Credit Card I opened in XXXX. 

At the time the account was opened, Capital One advertised that the secured credit limit would equal the amount of the security deposit provided. I paid a {$500.00} security deposit to open this account, and my credit limit reflected that amount. 

Over the years, I maintained the account in good standing and later opened additional credit cards with other providers. I was recently informed by Capital One that this secured card had been converted to an unsecured card. However, when I attempted to close the account and request the return of my original {$500.00} security deposit, Capital One representatives stated that they are unable to locate this deposit. 

I contacted Capital One multiple times on XX/XX/XXXX, at approximately : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX During these calls, I was repeatedly told that representatives could not fully access my account records and that they only see a reference to a {$49.00} security balance, which does not align with the original {$500.00} deposit I paid. I was advised to submit my concern through written correspondence. 

I no longer have receipts from XXXX, but I am confident the {$500.00} deposit was paid as required to open the account and establish the original credit limit. There is no reasonable explanation for this deposit to have disappeared without being returned or applied. 

I am requesting : XXXX. Documentation showing the receipt of my original {$500.00} security deposit ; XXXX. A full accounting of how that deposit was handled when the account was converted from secured to unsecured ; and XXXX. The return of my {$500.00} security deposit, or written proof that it was previously refunded or applied, if Capital One claims that occurred. 

I appreciate the CFPBs assistance in helping resolve this matter and ensuring proper documentation and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: NJ

Complaint narrative:
In XXXX, an additional escrow assessment of {$7000.00} was imposed due to the previous owners failure to pay property taxes for six months. At closing, I paid my prorated share of the XXXX taxesfrom XX/XX/XXXX, to XX/XX/XXXX, XXXX the amount of {$1200.00}. The payment from the title company to the tax office was not processed until XX/XX/XXXX, resulting in its inclusion in the {$7000.00} escrow assessment. 

Loancare has offered to spread the escrow shortage over 24 months, which I do not dispute. My primary concern is the calculation of my XXXX property taxes. The mortgage servicer is currently estimating my XXXX taxes at approximately {$17000.00}. However, I have received verbal confirmation from the tax office and possess documentation that my actual tax liability is {$10000.00}. Despite providing these documents, the mortgage company will only recognize the original tax assessment, which lists the first and second quarter taxes of XXXX as {$5400.00} each. The tax office has not issued a more recent assessment, and therefore I am unable to provide updated documentation to the loan company. 

I have submitted four separate requests for a revised tax analysis, but the mortgage company will not adjust the escrow amount until an updated tax estimate is received from the tax office, which has yet to be generated. As a result, my monthly mortgage payment has increased by {$700.00}, in addition to the $ 300 monthly payment for the escrow shortage, totaling a {$1000.00} increase per month. 

As a XXXX XXXX, this increase places an undue financial burden on me. The mortgage companys refusal to accept alternative documentation of my actual tax liability leaves me with limited options, and I am seeking guidance on how to resolve this discrepancy.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am disputing this account and requesting full debt validation from GS Bank USA. I have not been provided with sufficient documentation proving that this debt is accurate, legally enforceable, or correctly reported. I have not received a copy of the original agreement, a complete payment history, or a clear explanation of how the balance was calculated, yet the account continues to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal but a hold and on my account I have XXXX dollars in my account and now Im not able to get it or use it it have a trip coming in XXXX and I wont be able to go because they went from a 90 day hold to a 180 hold I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
Since XX/XX/year>, I have been attempting to recover {$1200.00} in XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) benefits managed by Money XXXXXXXX My original bank account was compromised due to a hacking incident in XX/XX/year>XXXX which necessitated the issuance of my benefits via paper check. 
For over six months, I have been trapped in a continuous and ineffective cycle with Money XXXX customer service. They have claimed to void and reissue a check to my verified address on four separate occasions. To date, I have received none of these checks. I have escalated this to multiple supervisors who all insist the only remedy is to 'void and reissue. ' When I follow their instructions to contact the XXXX or USPS, both agencies have confirmed the issue lies entirely within Money XXXX XXXX internal disbursement system. USPS has no record of these mailpieces, and XXXX has confirmed the funds were transferred to Money XXXX for distribution. Money XXXX is failing to provide a solution within their own company to deliver my {$1200.00}. 
Lack of Accountability and Conflicting Information : During this process, I have escalated the matter to supervisors on multiple occasions. Each time, I am met with the same scripted response : " The only thing we can do is void the check and resend it. '' I have explicitly informed these supervisors that this method is not working, yet they refuse to provide alternative solutions, such as expedited shipping with a tracking number or a direct transfer to my new, secured bank account. 
Furthermore, Money XXXX representatives have repeatedly attempted to deflect responsibility by instructing me to contact the XXXX and the USPS. I have done both : The XXXX confirmed that the funds were released to Money XXXX and that the disbursement is now the bank 's responsibility.

The USPS has confirmed there are no delivery issues with my address and that no such mailpieces from Money XXXX have entered their system for me. 
Both the XXXX and USPS have explicitly stated that this is an internal Money XXXX problem that must be resolved by the company, not outside sources.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I enrolled my JPMCB credit card account in a Debt Management Program administered by XXXX XXXX XXXX ( XXXX ) in XXXX. JPMCB accepted the XXXX proposal in XXXX XXXX and subsequently received payments through XXXX, including a final lump-sum payment in XX/XX/XXXX. 

I have received written confirmation from XXXX that the account was settled in full through the XXXX XXXX XXXX. Despite this, JPMCB is denying that the account was ever enrolled in a XXXX  or that they accepted the proposal, and they are continuing to report the account with a non-zero balance and as a charge-off. 

This is inaccurate credit reporting and a failure to properly update the account following settlement. I am requesting that JPMCB : Update the balance to {$0.00} Correct the account status to reflect settlement through credit counseling Ensure accurate reporting across all credit bureaus Remove all late payments post XXXX  XXXX payment I am attaching documentation from XXXX confirming XXXX of the program and settlement in full, as well as proof of final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
OK, so this has been on my credit report for about a XXXX  now or so and I have no clue what this is. I have never opened an account with Southwest credit line or whatever this company is it says I owe them {$67.00} and I have no clue who they even are and they are trying to collect a debt that I have never agreed to pay.

Company response to consumer: Closed with non-monetary relief