vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been a Bank of America checking customer since XXXX - over 20 years. 

All of a sudden I started receiving monthly maintained fees of {$25.00} per month. 

This occurred in XXXX and XX/XX/XXXX and proceeded in XXXX and XX/XX/XXXX. 

The bank waived the fees for XXXX and XXXX but refused to waive them in XXXX and XXXX. 

I tried escalating several times and spoke to a supervisor in deposits- XXXX ID XXXX. 

They are unwilling to provide the {$50.00} credit. 

They are also unable to share terms from when the account was opened yet keep repeating the fees are valid. 

No communication was provided about these fees. 

This is fraud.

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 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Product : Secured Credit Card ( Ending XXXX ) I am filing this complaint against U.S. Bank National Association regarding the improper handling of my secured credit card account and the refusal to return my secured deposit electronically.

I opened a U.S. Bank Secured Visa Credit Card in XXXX as an ITIN holder. At the time of account opening, I deposited {$2300.00} of my own personal funds as required secured collateral. 

In XX/XX/XXXX, my account ending in XXXX was closed by the bank without any clear explanation. At the time of closure, my remaining available secured amount was over {$1200.00}. 

After closure : The bank applied part of my secured deposit to the balance. 
A {$30.00} late fee was assessed ( later reversed ). 
The remaining secured funds were issued via paper checks. 

However, I am not physically present in the United States. I am a XXXX  citizen and ITIN holder. This account was opened online. Mailing physical checks to a U.S. address does not provide me access to my funds. 

My secured deposit is my own personal money. It is not the banks funds. Refunding via paper check when I have clearly informed them I am outside the U.S. is unreasonable and creates unnecessary delay and hardship. 

I have requested multiple times that the remaining secured deposit be returned electronically via ACH or domestic wire transfer. 

For ease of resolution, I am providing my verified U.S. bank account details below for electronic transfer : Beneficiary Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX Account Type : Checking Bank : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ) Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX This is my own registered company account ( XXXX XXXX ), and it can be independently verified through the Texas Comptroller. 

Since this secured credit card was opened online and funded electronically, there is no legitimate reason why the refund can not be sent electronically. 

Additionally : My online access was disabled after closure. 
I was left without access to my secured collateral. 
This situation has caused financial stress and uncertainty. 

I formally request the following resolution : 1. Immediate electronic transfer ( ACH or domestic wire ) of my remaining secured deposit.

2. Written confirmation of the total refunded amount.

3. Confirmation that no further fees or deductions will be applied.

4. Fair and accurate reporting to credit bureaus.

I respectfully request CFPB to require U.S. Bank National Association to return my secured funds electronically without further delay.

This matter concerns my personal secured collateral, and I expect full reimbursement without any unjust deductions.

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 non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/year>, I sent a {$550.00} XXXX payment from my personal checking account with XXXX XXXX XXXX XXXX to my Wells Fargo business checking account. This was a XXXX payment sent to myself. 

Wells Fargo confirmed receipt of the XXXX payment. However, my Wells Fargo business account was closed on XX/XX/year> ( the following day ) due to inactivity/ no funds in the account. Because the account was closed, the {$550.00} was never made available to me. 

Since then, I have been attempting to recover my funds. I filed a claim with XXXX XXXX on XX/XX/year>, but that claim was closed on XX/XX/year> because the XXXX payment was successfully sent and completed, meaning XXXX XXXX no longer had control of the funds. 

This matter is entirely on Wells Fargos end. Wells Fargo has acknowledged that the funds exist internally, and representatives have told me that I would receive confirmation by email explaining how the funds would be released. Despite multiple follow-ups, no such email or resolution has been provided, and the funds have still not been returned or disbursed. The final amount i should receive back is {$540.00} due to a $ 10 monthly maintenance fee for a business checking account that is below minimum amount for no monthly fees 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 2026-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Branch Messenger, Inc.
State: PA

Complaint narrative:
I am an Uber Pro Cardholder. I am filing this complaint regarding an unauthorized electronic fund transfer that occurred after my card was canceled, and the failure of the card program administrator to prevent or promptly resolve it. 

A charge of {$130.00} from XXXX posted on Friday, XX/XX/XXXX, with both the transaction date and post date listed as XX/XX/XXXX. This charge was processed using my old card number ending in XXXX, even though that card had been canceled on XX/XX/XXXX due to a prior dispute involving the same merchant. 

I have not rented from XXXX since XX/XX/XXXX. At the time of this charge, there was no active rental, no open contract, and no authorization permitting this debit. I did not provide new payment credentials, did not reauthorize the merchant, and received no notice, invoice, or explanation for the charge. 

Despite the card cancellation, the transaction was still allowed to post, indicating the improper use of stored or updated payment credentials. This constitutes an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ). 

I reported the unauthorized transaction promptly and attempted to contact customer support multiple times. Calls were placed on extended hold and repeatedly disconnected. In one instance, an agent terminated the call after I requested a supervisor. I have requested written escalation and provisional credit but have not received confirmation that the merchant has been blocked or that card updater/tokenized payment services have been disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: PA

Complaint narrative:
My Cash App account was recently closed without a specific explanation or prior warning. I have attempted to resolve this through the standard in-app appeal process, but my requests for a manual review have been met with automated rejections. 

As a consumer, I am requesting : A detailed explanation of the specific " Terms of Service '' violation that triggered this closure. 

A manual secondary review of my account activity by a human compliance officer.

Immediate access to any remaining funds or transaction history for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am filing this complaint regarding Chases prolonged failure to update my business credit card accounts following my incorporation and XXXX change. 

I hold XXXX Chase business credit cards : Ink Business Cash Ink Business Unlimited Timeline : XX/XX/XXXX I formally requested an update to my business name and XXXX after incorporating. I uploaded all requested documentation, including incorporation documents and XXXX confirmation. 

XXXX weeks later I called Chase and was informed that all required documents had been received and that the request would be processed. 

XX/XX/XXXX After no update for several months, I contacted Chase again. A supervisor located the documents, confirmed they were sufficient, and committed to manually processing the update. Replacement cards were ordered. 

XX/XX/XXXX I had not received updated business cards, and the XXXX and business name remained incorrect. Another supervisor stated the documents could not be located and contradicted prior statements, claiming manual updates were not possible and that the request must be routed to a specialized team. I re-uploaded all documents again on this date. 

XX/XX/XXXX I submitted a formal executive complaint. 

XX/XX/XXXX I received a voicemail from the Chase Card Executive Office acknowledging receipt of my complaint. I was informed the matter may take at least XXXX additional business days, despite the issue originating in XX/XX/XXXX. 
Case Number : XXXX XXXX Impact : My business legal name and XXXX remain incorrect on active credit accounts. 
This creates risk for tax reporting discrepancies. 
It complicates business financing applications due to legal name mismatch. 
It demonstrates inconsistent document handling and contradictory supervisory statements. 
The matter has now been unresolved for over XXXX months. 

Concerns : 1. Chase representatives have provided conflicting information regarding document receipt.

2. A supervisor previously confirmed documents were sufficient and promised a manual update, which was later contradicted.

3. Documentation appears to have been lost or mishandled more than once.

4. No definitive timeline has been provided despite prolonged delay.

5. I have spent excessive time attempting to resolve a routine administrative update.

Requested Resolution : 1. Immediate correction of my business legal name and XXXX on both business credit card accounts. 
2. Written confirmation of correction.

3. Reissuance of updated business credit cards.

4. Confirmation that reporting to credit bureaus and tax reporting systems reflects accurate information. 
5. Clear explanation of why this process failed and assurance it will not recur. 

This issue has remained unresolved since XX/XX/XXXX despite repeated attempts to resolve it directly and through the Executive Office. I am requesting regulatory review and prompt correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
Complaint Regarding Multiple Remittance Failures I am reporting a repeated failure by Abound ( XXXX XXXX XXXX ) to deliver international funds, despite marking them as " Successful '' in their system. 

Transactions at Issue : ID XXXX ( Initiated early XX/XX/year> ) ID XXXX ( Initiated early XX/XX/year> ) ID XXXX ( Previously reprocessed after banking partner failure ) Summary of Events : On XX/XX/year>, I received a support update stating these transfers were in the " final stage of processing '' and would settle in XXXX business days. Instead, they were marked as " Delivered '' in the Abound app, but the funds never reached my beneficiary account. 

I have attached my official XXXX XXXX Mini Statement ( XX/XX/year> ) which clearly shows no incoming credits for these amounts during the relevant period. Despite providing this proof and requesting a formal banking trace ( UTR numbers/XXXX ), the company has stopped responding to my tickets and emails. This is now a XXXX-day delay, which is a significant violation of the promised delivery timelines.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
" I am disputing multiple accounts on my credit report due to inaccuracies and overcharges. I have attempted to resolve these issues directly with the respective companies, but they have not provided proper verification or corrections. Specifically, for the XXXX accounts, I was misled about the terms and the cancellation policy, and they have refused to remove the incorrect charges. For other accounts, such as those resulting from a lost wallet, the debts were placed in collections without proper notification, and I was unable to resolve them. I have not received written verification for these debts, and they remain inaccurately reported on my credit file. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: WI

Complaint narrative:
I refinanced and paid off my mortgage with XXXX XXXX serviced by Loan Care. They sent me my escrow statement and satisfaction of mortgage statement. They claim they sent my escrow refund out on the same day ( XXXX ), but somehow its the only thing I havent received. I am concerned that they are purposefully providing a misdirect so that they can collect interest on my money for as long as possible. Im wondering if other consumers have had the same experience.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is [ XXXX ] and I am a Bank of America I am writing to you to dispute the blocking of my access to XXXX and the negative report sent to XXXX XXXX XXXX ( XXXX ). I have been informed that the block is due to an alleged scam, of which I am totally oblivious and innocent. I have tried to use the service with new phone numbers and emails at other institutions and the block persists, which confirms that my identity has been unfairly marked. I request : The manual review of my case. 

The immediate elimination of any negative report in XXXX. 

A written response detailing the evidence of said accusation. 

If I do not receive a response, I will escalate this case before the CFPB and the Office of the Comptroller of the Currency ( OCC ).

Current Situation : My legal identity ( Name and Social Security/ITIN ) has been marked with a " red alert '' of fraud by Bank of America in the centralized payment network. This has generated a total block that goes beyond a simple phone number. 

I maintain my total innocence with respect to any suspicious transaction. 

The bank is depriving me of access to my financial services without presenting evidence of my guilt. 

I demand the cleaning of my record in XXXX and the restoration of my right to use the payment network, since the bank 's administrative or judgment error is permanently damaging my financial reputation.

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 2026-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
During Covid 19 I lost my home and my job called customer service to tell them I was not able to pay they did not care and sent me collection ( American Express Credit card )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I notified Southwest Chase that an account had been opened in my name without my knowledge, authorization, or consent. I did not apply for this account, did not authorize anyone to open it on my behalf, and have never used the account.

I informed Southwest Chase that this matter involved identity theft and the non-consensual use of my personal information. I subsequently provided supporting documentation, including a Police Report and FTC Identity Theft Report, which were faxed and emailed to the bank.

Southwest Chase closed my claim but verbally advised that the investigation could be reopened. I requested copies of the documents relied upon to open the account, including the original application/enrollment records, identity verification records , authorization/signature documentation, method of application, and any IP or device-related identifiers associated with the account opening.

Despite multiple requests, Southwest Chase did not provide the requested documentation. 

On XX/XX/year>, I formally submitted a written reinvestigation request, along with a notarized identity theft statement, Police Report, and FTC Identity Theft Report. Southwest Chase has indicated whether the matter is still under review nor has it not produced the requested supporting records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/XXXX, we relocated to a state where U.S. Bank does not have branch locations. At that time, we contacted U.S. Bank regarding closure of a deposit account and were informed that closure required appearing in person at a branch. Because there were no branches in our new state of residence, we were effectively unable to close the account. 

The account remained inactive beginning in XX/XX/XXXX and provided no ongoing banking benefit. Despite the lack of activity, U.S. Bank continued to assess a {$6.00} monthly maintenance fee for approximately XXXX years. 

From XX/XX/XXXX through early XXXX, these monthly fees totaled approximately {$950.00} {$1000.00}. When accounting for the prolonged retention of funds over nearly XXXX years, the financial impact exceeds approximately {$1100.00} {$1200.00}. 

On [ insert exact date you called ], we contacted U.S. Bank again and were informed that in-person closure was not required and that the account could have been closed remotely. The account was then closed over the phone. 

We believe we were previously misinformed regarding closure requirements. As a result, a long-term inactive account continued to accrue monthly maintenance fees for over a decade. 

We have requested : A full historical fee review dating back to XX/XX/XXXX Retroactive reversal of maintenance fees assessed during the inactive period Review of any impact to our banking history or XXXX reporting Written confirmation of closure We maintain other active accounts with U.S. Bank and are seeking a good-faith resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Venmo said I didnt paid out a debut. They said I owed {$980.00}. The person did receive their money but Venmo said they had to cover the debut. I have bank statements of showing the money came out. I tried contacting them and they could not help. So I had to pay back {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: WA

Complaint narrative:
CFPB Complaint : Citibank Subject/Issue Type : Billing dispute / Problem with an investigation Company : Citibank Description of what happened : I am filing a complaint regarding Citibanks failure to conduct a reasonable investigation into a billing dispute and their refusal to respond to my written correspondence. 

On XX/XX/XXXX, I was charged {$73.00} by XXXX. I did not receive the groceries I ordered ; a delivery mix-up resulted in pet food being delivered to my home instead. After the merchant failed to resolve the issue, I filed a dispute with Citibank ( Case ID : XXXX for Account Ending : XXXX ). 

Citibank issued a conditional credit but then reversed it on XX/XX/XXXX, claiming " the merchant provided documentation that services/merchandise was completed. '' However, the documentation Citibank provided to me as the merchant 's " rebuttal '' was a completely blank letter containing no evidence, signatures, or delivery confirmation. 

On XX/XX/XXXX, I sent a formal written request via mail to Citibank 's Dispute Department in XXXX XXXX, SD, asking them to reopen the investigation. I provided photographic and video evidence showing the incorrect delivery, along with documentation of my attempts to resolve this with XXXX. Citibank has completely ignored this letter and has failed to respond or reopen the case.

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