vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 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: MS

Complaint narrative:
How are you? Im filling a complaint of Bank of America My name is XXXX XXXX along with my husband XXXX XXXX I have been a loyal costumer for 10+ years My husband and I made a third party check deposit that was made out for his company XXXX and paid over to him They closed two of my checking accounts and savings Leaving my family without any funds They are not helping me obtain my funds back or giving me any options to transfer or receive my money I have two preteen daughters and two toddlers My husband works out of town and we have no funds Our house payment is due and other bills We do not get paid weekly so obtaining any income is hard for us at the moment I can not wait 3-4 weeks or however long Bank of America decides to return my funds

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 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
The company is CashApp. Account was closed an no reason was given. Applied to appeal decision multiple times and no response was provided or email. Would like account reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I called on XX/XX/26 and filed a dispute and XXXX kept charging my card the past several months, and i had deleted my card from my profile and XXXX settings so it wouldnt be charged, but was still being charged. I talk to a gentleman yesterday and he filed a hardship form and another form so i can get my temporary credit ASAP, since i had bills due today and i still have not received my credit. I need this to be done ASAP. I called again today XXXX times and the last time i called the lady asked for my name and then told me to hang on and i said hello and then she hung up and when i called back they were already closed, this is not the first time this has happened to me and its starting to get annoying and seems like Bank Of America does not care about there customers. I need this credit on XX/XX/26 and Im not waiting any longer.

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 2026-06-10 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: Chime Financial Inc
State: UT

Complaint narrative:
I am filing a formal complaint against Chime ( and its partner banking institution ) for failing to conduct a reasonable investigation into an unauthorized transaction dispute, in direct violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. On XX/XX/year>, unauthorized transactions totaling {$660.00} occurred on my account without my knowledge, permission, or benefit. I immediately alerted Chime and filed fraud dispute XXXX I also took immediate action by reporting this theft to law enforcement. The attached official police report XXXX explicitly identifies the suspect caught on camera/witnessed as a male in his XXXX. I am XXXX XXXX XXXX. It is physically and logically impossible for me to be the individual who conducted these transactions. I have no relation to this individual, did not authorize them to use my account, and did not receive any benefit from the stolen funds. Despite providing Chime with this definitive law enforcement documentation proving I was the victim of a crime, Chime has repeatedly denied my claim, stating " no error occurred. '' Chime 's automated denial completely ignores the police investigation and the glaring physical discrepancy between myself and the suspect. Chime is failing its legal obligation to properly investigate unauthorized electronic fund transfers under Regulation E. Desired Resolution : Chime must immediately reverse their decision and permanently credit my account for the full stolen amount of {$660.00} Chime must provide me with a complete copy of all documentation, logs, and evidence they relied upon to issue their denials, as is my legal right under 12 CFR 1005.11 ( d ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
PenFed offers an interest rate for used cars. For 72 Months they offer 5.39 % for non members and if you go through the car buying guide the loan would be XXXX for 72 months. Then ran my credit and said I qualify for XXXX interest rate. And after you give him the car information and the loan amount it goes to underwriting for the discount which should have been XXXX but they said we dont qualify for that rate. You need to have tier one credit. But they do not disclose whats tier 1 credit. I have an XXXX plus XXXX score and I have never been later and I old have 30 % usage or less on my credit cards. I have excellent credit and I also spoke with a credit counselor. They said its PEN feds false advertisement. Please look into this matter as they make false claims and advertisement. They said if you go through their car buying website. And they mark up the interest rate.

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 2026-06-10 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: Klarna AB
State: NC

Complaint narrative:
On XXXX XXXX, I engaged in a transaction totaling {$5000.00} with the merchant " XXXX XXXX XXXX XXXX '' for a purported mentorship program. At the time of purchase, the merchants landing page and checkout interface lacked any disclosure of terms, conditions, or refund policies. I was not presented with, nor did I sign, any service agreement or contract at the point of sale. The merchant only attempted to enforce restrictive " Service Agreements '' after the payment had already been processed. Upon realizing the lack of professional structure and the deceptive nature of the program, I immediately requested a cancellation of the order. I have not utilized any course materials, coaching sessions, or resources offered by the merchant. The merchant 's claim of " service rendered '' is based solely on a single, non-substantive intake call that I scheduled in an attempt to gather missing information about the programs structure. Klarnas Failure to Investigate : I disputed this charge with Klarna, providing clear evidence that : No contract was signed or presented at the time of purchase. The merchants " proof of service '' consisted of documents generated after the purchase and a single introductory call. The merchant has a documented history of predatory practices and was previously deplatformed by other service providers for identical deceptive tactics. Despite this, Klarna denied the dispute, accepting the merchants fabricated proof of service at face value. Klarna failed to conduct a reasonable investigation into the validity of the underlying contract or the actual delivery of services. I have since filed formal complaints regarding this merchant with the FBIs Internet Crime Complaint Center ( IC3 ) and the Texas Attorney General. I am requesting that Klarna re-examine the validity of this transaction and honor my request for a full refund based on the lack of a valid, pre-existing contract and the merchants deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am filing a complaint regarding the handling of a XXXX XXXX XXXX Department ( XXXX ) State XXXX Insurance ( XXXX ) direct deposit by Golden 1 Credit Union. On XX/XX/year>, an XXXX direct deposit was sent to my Golden 1 checking account. At the time, my account was in a restricted status and was subsequently closed. I later received written correspondence from Golden 1 stating that government benefit payments would be returned. Because XXXX is a government XXXX benefit payment, I contacted Golden 1 to determine the status of my deposit. Since then, I have received conflicting information from Golden 1 representatives. XXXX representative advised that the deposit showed as returned. Another representative stated that they could not see a return of the deposit. XXXX has advised that they do not currently show the payment as returned, and the payment processor indicated that the payment shows as completed on their end. Subsequently, Golden 1 's fraud department advised in writing that the XX/XX/XXXX XXXX XXXX XXXX was applied toward an outstanding negative balance on the account and that no ACH return was issued to XXXX. I am seeking clarification and documentation regarding the handling of these XXXX benefit funds. Specifically, I am requesting confirmation of whether the deposit was returned, retained, or applied to the account, and an explanation of how this action is consistent with the written notice I received regarding government benefit payments. My concern is that I have received inconsistent information regarding the disposition of my XXXX benefits and have been unable to obtain a clear accounting of the funds. I am requesting assistance in obtaining documentation showing exactly how the deposit was handled and whether Golden 1 's actions were consistent with its policies and applicable laws governing benefit payments and account closures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I accidentally sent XXXX payments through XXXXXXXX XXXX cross-platform payment feature to a PayPal user I do not know, while attempting to pay a friend with a similar name ( XXXX XXXX ). XXXX 's name-based search matched the wrong account. Payment XXXX : {$1100.00} on XX/XX/year> XXXX XXXX ID XXXX Payment XXXX : {$560.00} on XX/XX/year> XXXX Transaction ID XXXX Total : {$1600.00}. Both payments were funded via XXXX from my XXXX XXXX checking account. The recipient is listed only as " XXXX XXXX '' with no username or contact information visible to me. Because this was a cross-platform payment, I have no ability to contact the recipient or send a payment request XXXXPayPal 's own systems do not support requests or messaging across platforms. The only contact option available to me was leaving comments on the transactions, which I did the same day I discovered the error. On XX/XX/XXXX, I contacted XXXX support by phone. XXXX opened case [ CASE NUMBER : XXXX ] ( rep : XXXX ) and stated they could not assist because the funds went to a PayPal account, directing me to PayPal. The same day, I contacted PayPal support by phone and was escalated to a supervisor ( XXXX ) on the dispute resolution team. The supervisor stated PayPal could not locate the recipient " based on her name alone, '' refused to open a case, and directed me to my bank despite the fact that I provided both transaction IDs, which uniquely identify the receiving account in their systems. XXXX and PayPal are owned by the same parent company, PayPal Inc. Each company has directed me to the other, and neither will open a case or contact their own customer about {$1600.00} in misdirected funds, even though they alone possess the transaction records and account information needed to resolve this. I searched PayPal myself and found dozens of users with this name ; I have no way to identify the correct recipient only PayPal does. XXXX requested : I ask that PayPal Inc. ( 1 ) open a formal case on these XXXX transactions, ( XXXX ) contact the recipient account holder and request return of the misdirected funds, and ( XXXX ) place a hold on the funds if they remain in the recipient 's balance pending resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There were student loans opened under my Social Security number, and I was involved with the data breach of XXXX and also XXXX where my information has been compromise, and I am requesting that these items be removed from my credit report

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 2026-06-10 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: AL

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

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 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX for XXXX Years. According to the fema website the structure of my home is located in zone x. I called a XXXX XXXX company and they also stated my home is Not in the special flood hazard area. Specialized loan servicing started charging for flood ins XXXX years ago, The second year they charged for XXXX XXXX XXXX policies and every year after that they charge more than what the annual premium actually is., XXXX is now Shellpoint mortgage and they continue the same practice. They also charge a property inspection fee each month. I paid this fee XXXX time however they continue adding it to every statement. Ive sent both companies certified letters and spent many many hours on the phone only to be treated unfairly. XXXX XXXX is also charging for a flood insurance policy. BOTH loans are Paid up to date. The back yard is in the XXXX however they dont insure the back yard, They insure the structure of the home. They were sued for this illegal practice by consumer protection and lost. The township stated this home would not have been allowed to be built if it was in the XXXX. THANK YOU 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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo sent a letter in the mail on XXXX XXXX of a credit card account closure when I never created an account or had an account with them. Will call the company to resolve tomorrow XXXX XXXX. XXXX XXXX sent a letter in the mail on XXXX XXXX about not recieving a payment balance of XXXX dollars. The credit limit and cash limit were both overdrawn. The billing cycle was from XXXX XXXX to XXXX XXXX. I then called them XXXX XXXX notifying them of the fact that I never opened or used any credit card from them. They closed the account and sent me a Fraud Investigation Form by mail on XXXX XXXX. I will fax and mail the form back on XX/XX/year>. Enclosed with the form was a list of transactions for me to confirm or deny that dated back to XX/XX/year>. I did not make any of the transactions and all transactions are at places with Spanish business names. I did not open these accounts or have done business with these banks.

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 2026-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am attempting to register my leased vehicle ( VIN : XXXX ) in California. I have paid {$720.00} in state DMV fees, but the XXXX DMV has placed an administrative hold on my application because Santander XXXX USA is refusing to provide two mandatory state compliance documents. The XXXX DMV explicitly requires Santander to : Sign Section 9 of the XXXX DMV " Application for Title/Registration '' ( Form REG 343 ). Provide a signed " Statement of Facts '' ( XXXX DMV XXXX XXXX XXXX ) explicitly stating that " Taxes will be remitted to California. '' I have been requesting these documents for over a month. Santander has ignored faxes, ignored emails, and previously mailed the wrong document. On Friday, XX/XX/XXXX, a representative named XXXX escalated this to the Executive Office ( Account : XXXX ), visually verified the documents I emailed, and promised a resolution within 48 hours. They have failed to respond. Santander 's administrative negligence is actively preventing me from complying with state tax and motor vehicle laws, forcing me to operate an unregistered vehicle and putting me at imminent risk of legal citation. Desired Resolution : I require Santander 's Executive Office to immediately sign Section 9 of my provided XXXX XXXX form, generate the required tax Statement of Facts, and email both PDF documents directly to me so I can clear the state DMV hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transform Credit Inc.
State: GA

Complaint narrative:
I am writing to dispute the account listed as Together Loans appearing on my credit report on XXXX, XXXX, XXXX. It was opened on XX/XX/XXXX. I am in need of help, my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The account I referenced is not 100 % accurate. Until you provide competent evidence that validates the debt, including a signed agreement, full account history, and verification of your authority to collect ; you must cease all collection efforts and remove information from my credit report. This is really affecting my credit goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I am disputing this debt in its entirety because the balance is legally invalid and factually inaccurate. This debt stems from a rental agreement where the landlord, XXXX XXXX, XXXX, breached the Georgia Safe at Home Act ( O.C.G.A. 44-7-13 ) and the Implied Warranty of Habitability. The basis of this dispute is as follows : 1. Notice of Hazardous Conditions : On XX/XX/XXXX, I provided written notice to management regarding hazardous rust and plumbing decay ( See Exhibit B ). Management failed to perform safe or permanent repairs for over five months. 2. Breach of Habitability : Attached photos ( Exhibit A ) prove the unit was not maintained in a condition " fit for human habitation. '' A defective repair attempt in XX/XX/XXXX used industrial paint to cover rust, which released toxic fumes and rendered the unit unlivable. 3. Lease Violation : Page 6 Per Paragraph 32 of the lease, the owner failed to maintain sanitation and safety standards. Because of this breach, the reported balance is inaccurate and does not reflect mandatory rent abatements.

Company response to consumer: Closed with non-monetary relief