vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
A US Bank representative by phone, allowed a consumer- fraudulently misrepresent themself as me, and changed personal security information on my account. My account was hacked with US BANK and money was stolen from me, with the aide of a Customer Service representative. My security credentials were hacked. Approximately XX/XX/year>, XXXX transactions were being allowed on my account and cash withdrawls were being done out of state in South Dakota and various other areas. ATM transactions occurred in the amount of XXXX withdrawal. As well as a bank teller in XXXX, XXXX shorting me personally on approximate XX/XX/year> with a cash transaction by XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX did not complete the transaction correctly. Shorting my cash transaction by XXXX was not justifiable. I have contacted the XXXX Police Department and the FTC regarding the internal fiasco that was created by US Bank and my personal account. From day one, the handling of how to place the account on hold, to closing it, and money stolen from me- as well as a bank teller shorting my cash transaction- is truly and undeniably a breech of consumer protection by a major financial institution. This is major internal fraud with US bank and how they have mishandled the hold of the account and closure, is truly incomprehensible. Everything has been a bit by bit process, not processed correctly, and continuously mishandled by internal staff to cause breech of internal security protocols. " Furthermore, during the physical cash transaction at the XXXX, CA branch, and the teller shorting me exactly {$1000.00} cash and dismissed the discrepancy when confronted. Given that my online banking credentials were changed internally by a phone representative, I have reason to suspect severe internal fraud, employee malfeasance, and a complete breakdown of internal controls at U.S. Bank. I demand a comprehensive audit of that teller 's daily balancing logs and an investigation into internal employee collusion.

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 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A PAYMENT WAS SENT TO SYNCHRONY ON XX/XX/XXXX FROM XXXX XXXX. 9 PREVIOUS PAYMENTS WENT THROUGH BUT THE XXXX PAYMENT WAS SENT BACK TO XXXX FOR SOME REASON. THEREFORE LATE FEES AND FINANCE CHARGES WERE APPLIED BY SYNCHRONY. I PROVIDED A LETTER FROM XXXX AND AN EXPLANATION AND THIS WAS THERE RESPONCE : Account Number Ending In : XXXX Hello XXXX XXXX, Thank you for your response to our documentation request regarding your payment dispute in the amount of {$1900.00}, filed on XX/XX/year>. We have reviewed the documentation provided, but unfortunately it is not sufficient for our investigation. Be sure to review the marked information below for further details on what information we are requesting. The documentation required must confirm the payment was processed as PAID to Synchrony Bank. Failure to send the required documentation may result in a reversal of the payment credit and claim closure. You may need to contact your Bank/Lending Institution/Bill Payment Provider responsible for sending the funds, to inquire if payment processed successfully and to request documentation proving payment completion. For Synchrony to proceed with their investigation, please provide the following marked items : X A clear legible copy of the complete Bank Statement ( s ) that includes the payment without crossing out or omitting any information. X A clear legible copy, front and back, of cashed Personal Check, Business Check, Cashier 's Check, Certified Check, or Money Order displaying Synchrony endorsement if paid to Synchrony or Store/Merchant endorsement if paid in store. ( Do not send Cashier Check or Money Order receipt, may have to contact Issuer for cashed copy ). X A clear, legible copy of the Store register receipt displaying the payment. X A document that provides proof of Balance Transfer or Bill Pay Payment displaying the following details : Payment Amount, Effective Date, Company ID, and Originating Trace ID. X A document that provides proof of digital payment made to Synchrony which includes the following Electronic ACH Debit Details : Company ID and ACH Debit Trace Number. ( Examples of digital payment may include : XXXX XXXX, Retailer Website, and Payments made by phone. ) X Synchrony Confirmation Email, Letter, or Number for Payments made by Phone with Synchrony, Synchrony Online, or Retailer Website.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
My debit card was stolen, and {$410.00} ( including ATM fees ) was fraudulently taken out of my account. I attempted to dispute the charge with my bank, but they unjustly rejected it for an unspecified reason, and they were unable to provide me with any supporting documentation. Even though the email I received from them expressly states that I may seek any supporting documentation that the bank utilized to make the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I applied for a consolidation loan to restructure bills. It was small loan of {$26000.00}. I went through all requirements, once they received all of the information needed with the XXXX assistance, I was rejected for unclear reasons. Simply telling me the value of my home was too low, {$270000.00}. It seems that was a invalid answer. I can't get a direct answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Formal Complaint against Bank of America Unwarranted Withholding of Liquidated Funds ( Over 100 Days Delayed ) Complainant Information : Full Name : XXXX XXXX Current Address : XXXX XXXX, Texas Phone Number : XXXX ( XXXX ) XXXX Financial Institution : Bank of America Associated Debit/Credit Card ( Last 6 Digits ) : XXXX Bank Contact Number on Card : XXXX Disputed Amount : {$1200.00} USD Description of the Incident : To Whom It May Concern, I am filing a formal complaint against Bank of America regarding the arbitrary closure of my account and the subsequent, protracted failure to return my remaining balance of {$1200.00} USD. The bank has currently withheld my legitimate funds for over 100 days without providing a resolution or verifiable evidence of disbursement. The timeline of events is detailed below : Account Closure & Initial Disbursement : Bank of America unilaterally closed my account. I was officially informed that my remaining balance of {$1200.00} USD would be returned via a cashier 's check. Bank representatives stated that this initial check was issued and mailed on XX/XX/year>. Non-Receipt & First Escalation : After waiting for 90 days, the check never arrived at my registered address. Reissuance Request : Due to the non-receipt of the funds, I contacted Bank of America to report the missing check and formally requested a reissue. Although representatives assured me that a new check would be processed and dispatched, I have yet to receive it. Current Status : To date, more than 100 days have elapsed since the initial disbursement date. Bank of America continues to provide evasive responses, repeatedly asking me to wait without offering any clear explanation, tracking information, or proof of remittance. Desired Resolution : Bank of America 's failure to return my funds within a reasonable regulatory timeframe constitutes an undue financial hardship and an unfair banking practice. I respectfully request that the OCC intervene to compel Bank of America to : Immediately verify the status of the withheld funds. Provide official, verifiable proof of mailing or tracking for the reissued check. Expedite the delivery of my total balance of {$1200.00} USD to my verified address in XXXX XXXX, Texas. Thank you for your prompt attention to this matter. I am prepared to provide any additional verification required to resolve this dispute swiftly. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I expect a thorough investigation into these matters, full compliance with federal law, and prompt removal of all inaccurate information from my credit file. Failure to correct these issues is continuing to cause financial harm and is preventing me from moving forward with a major life decision.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted TD support for assistance with moving funds from my available credit line into my checking account as I was unclear on how to proceed. During that interaction, I was instructed by your representative to complete the transfer in the manner that I did. At no point was I informed that the transaction would be treated as a cash advance for that it would immediately trigger finance charges and or fees. I transferred {$470000.00}. I am being charged {$340.00} as a result. I respectfully request a review of the recorded call that I had with a TD representative. I spoke to a representative twice at XXXX ( 10 min call ) and again at XXXX ( 9 minute call ) because I was still unclear on the process and how to proceed and was specifically told the same thing twice. I am requesting a courtesy reversal of the finance charge in any associated fees and clarification regarding why the transaction consequences were not disclosed before I was instructed to proceed. I have been attempting to resolve this through standard customer service channels, but I do not believe my concerns have been adequately addressed. I am therefore requesting executive level review and assistance in resolving this matter fairly. Thank you for your time and consideration and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
Seeking administrative review of complaint ID XXXX. Amex failed to provide evidence of when the fund transfer was processed their end. I provided evidence that it was submitted on time from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I XXXX XXXX went to Wells Fargo bank on XX/XX/year> for business and Wells fargo bank XXXX XXXX XXXX XXXX employees violated the criminal laws and civil rights laws practices policies and procedures and did hate XXXX XXXX XXXX XXXX XXXX and XXXX because I am XXXX. the violations caused major XXXX and XXXX XXXX damages loss pain and suffering to my time health XXXX XXXX and business which Wells Fargo will have to pay a high price for. I will follow up later reply to confirm violations : denied services denied money held and delayed money for 4 days and delayed for 7 more days Wells Fargo did XXXX XXXX XXXX and retaliated against me as a XXXX customer because I deposited a large check for XXXX, they thought the check was fake and refused to believe it was mine because of hate even though they verified it was real 4 times so because of hate and jealousy they retaliated and did a deposit hold alert and delayed the hold for 7 more days which caused business loss and injuries which Wells Fargo will have to pay forXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio account last XXXX as reporting foreclosure has started dont understand this. I dont own a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
PNC Bank is refusing to release funds from a checking account explicitly designated as Payable on Death ( POD ) to a trust. We have provided a valid Wisconsin Certification of Trust under Wis. Stat. 701.1013, which legally protects the bank. We have provided all additional trust documentation they have requested. The bank is unreasonably withholding funds and demanding an expensive " opinion of counsel '' over a minor, limited beneficiary amendment that does not alter the original trustee designations. I have been working with PNC on this since XXXX, and we have been unable to come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I dont have any knowledge to this account with HYUNDAI FINC or XXXX XXXX XXXX XXXXlease delete these unauthorized accounts and block them I also completed a FTC XXXX theft form

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 2026-05-20 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I made a purchase on my credit card for a tag renewal service through a company named XXXX. The company took 2 months and at the end my tag application was denied. The company refused to refund my money so I opened a dispute with Goldman Sachs. The bank closed the dispute against me even though I didnt receive a refund and didnt receive what I paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year>, I made a transfer for the amount of \ {$14000.00}. The payment was made to XXXX XXXX XXXX XXXX XXXX as a payment for my property in XXXX. I previously submitted a request for the payment to be unlocked, and on XX/XX/year>, I received a response stating that the payment had been unlocked. However, the funds have not been credited to the account of XXXX XXXX. The location of the funds is unknown. I kindly request that you verify the location of my payment and provide me with the XXXX document for tracking the payment in the XXXX XXXX XXXX. I have attached a payment receipt and the authorization for the payment to be unlocked. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, an online purchase in the amount of {$640.00} was made to XXXX XXXX using my debit card information. The transaction used my name and billing address, but it was associated with an email address that I do not recognize and have never used. I did not authorize this transaction or provide permission for anyone else to use my debit card information. Bank of America denied my fraud claim and stated that I authorized the payment, which is incorrect. On XX/XX/year>, I sent a written dispute letter to the Bank of America claims department stating that I did not authorize this transaction and requesting reinvestigation. Despite this, the bank has continued to deny reimbursement without adequately explaining how it determined that I authorized the transaction, especially given that the associated email address does not belong to me. I am requesting reimbursement of the {$640.00} unauthorized transaction and a proper investigation into 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 monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Subject : Violation of FDCPA 15 U.S.C. 1692g ( b ) Continued Collection Activity During Active Dispute Period To Whom It May Concern, On XX/XX/year>, I sent a formal Debt Validation Request via Certified Mail ( Tracking XXXX XXXXXXXX ) to Fair Collection & Outsourcing. According to USPS tracking records, the agency received my correspondence on XX/XX/year> at XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g ( b ), and CFPB Regulation F, once a consumer disputes a debt in writing, the debt collector must cease all collection activitiesincluding reporting or updating information with credit reporting agenciesuntil they provide the consumer with written verification of the debt. As of today, I have not received any validation documentation from the agency. Nevertheless, the agency violated federal law by reporting and/or updating this account as a " Collection '' on my credit report in XX/XX/year>. I am attaching a screenshot of my credit report XXXX XXXX XXXX showing that the account was not reported in XXXX but appeared with a " Collection '' status in XXXX. This constitutes " Continued Collection '' during an active dispute, which is a clear violation of my consumer rights. I am requesting the immediate and permanent deletion of this trade line from my credit history due to the agencys failure to comply with mandatory legal procedures and their breach of the FDCPA.

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 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: IN

Complaint narrative:
An individual / party opened a direct student loan under my name through EDFinancial. I have frozen all three credit reports & placed fraud alert for a year. I have also disputed the 2 loans opened under my name, one for {$14.00} & another for {$3400.00} on all three credit reports. I have filled out a FTC form for Identity Theft & plan on filing a police report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I it was on Cash App. I was selling a product on XXXX. The person sent me the Cash through business stating it didnt go through. I had to deposit {$500.00} extra when the purchase was only for {$40.00} a Cash App Support team got on and video screen on my phone to transfer money didnt realize they were scamming me until {$5000.00} was taken out of my account they sent it through XXXX I understand that I can not probably get that back but I have all the emails all the transfers through Cash App. Cash App has reached out to me stating that they wanted to help me get my money back through one email and then through another email. Theyre saying that my case is closed because they didnt hear from me in XXXX days which is a lie. I have all the emails to verify that they have. The reference number is XXXX. Thats the number. Cash App gave me if you can help me. Let me know. I also changed all my account information at the bank, which is causing havoc because now I have to wait 90 days before I can pay any bills so my bills will be late.

Company response to consumer: Closed with explanation