vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I received a email that had Bank of America on it regarding a transaction that was made for XXXX. I contacted the Bank at the phone number lister on the email. spoke with a man name XXXX XXXX ID XXXX XXXX. that said Bank of America. Told him what I was calling about. He said oh I note you don't have online Banking. Said let me set it up for you. I said yes. Once he set online Banking up, he said let me transfer you to someone that will get your money back into your account. He transferred me to another man, that I don't have a name for. This man said are you at your computer? I said yes, he said you need to put some information in the commuter. I begin to type what he gave me into the computer. Then he said you have made to meany mistakes. You have put XXXX into your account. You need to go to the bank and get a wire and have it put back. because if you don't the bank is going to tire up all of your accounts and you will not be able to use them. I got up got dressed and went to the bank and he gave me all the info. for the wire. he stated get a wire transfer for XXXX, send it to XXXX  XXXX XXXX, XXXX XXXX XXXX, routing # XXXX account # XXXXaddress XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX HE TOLD ME NOT TO TELL THE BANK WHAT HE SAID ABOUT MY ACCOUNT WOULD NOT BE AVAILABLE TO ME. i DID WHAT HE TOLD ME TO DO. The bank person ask me what was I sending the money for? The scammer told me to tell him for a medical reason and I did just that. that is all the banker ask me and the banker processed the wire. I got in my car and drove home. ten my son called me and I told him what happen he said mom you have been scammed call the bank. I called the bank an spoke with the fraud dept. the said the see the transfer I said stop it. it is a fraud he said we can stop it. so, it went thru. I ask the bank who transfer the fund from one account to the other account where. because there were no funds in the account that I sent the wire from. They have never explained that. I had XXXX plus in another checking account and it was transferred to my business account. and I didn't do it. I ask the banker that processed the wire. when I came into the bank he said there is no money in your business account. then he looked again and said oh yes, it is.my question : how did the money get from one account to the other account? s Bank of America, responsible for my money? WAS THIIS AN INSIDE JOB? HOW CAN i GET MYY MONEY BACK? i AM XXXX XXXX XXXX AND NEED MY MONEY. if THERE IS ANY THIN YOU CAN DO, PLEASE DO SO. MY PHONE IS XXXX LANDLINE.

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 2026-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding Capital One 's handling of a billing dispute involving an unauthorized charge after revocation of authorization. 

On XX/XX/year>, I sent written cancellation to the merchant ( XXXX XXXX ) revoking authorization for any further charges. Certified mail was delivered and signed for on XX/XX/year>. 

Prior to the XX/XX/year> transaction, I also contacted Capital One to prevent further charges from this merchant. I requested a replacement card number, placed a merchant block on recurring charges, and informed Capital One representatives that I did not authorize any additional charges from XXXX XXXX. 

Despite revocation of authorization and these preventative steps, a {$72.00} charge posted on XX/XX/year>. 

I disputed the transaction as unauthorized. Capital One processed the dispute under Mastercard reason code XXXX ( " Not As Described/Defective '' ), which does not address revocation of authorization. The merchant documentation relied upon by Capital One discusses contract terms but does not establish valid authorization on XX/XX/year> after cancellation on XX/XX/year>. 

Capital One rebilled the charge and closed the dispute without properly evaluating whether authorization existed on the transaction date and without addressing the failure of the merchant block. 

I am requesting that Capital One reopen the dispute, evaluate the charge under the correct unauthorized/cancellation framework, and reverse the rebilled amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
Basically I can't get anyone on phone to get my money. XXXX XXXX XXXX rolled this money I inherited over into an MB Financial Acct without me knowing... and they were bought out by XXXX Bank XXXX 5/3 XXXX phone automated system won't let you get to a person without entering a PIN for a debit. 

I responded to a tax document i got in the mail and was confused by... so I called XXXX XXXX XXXX and they had to do an hours worth of research to tell me where the money went. 

I really just need to get a human on the phone. Very simple. 

But there's also a secondary issue here... which is that this whole time since I asked for a check way back a few years ago... they have been taking out fee 's I guess ... plus mkt fluctuation... so my money has now dwindled down to like {$78.00}. 

I really would like 5/3 Bank ( the XXXX who handle investments ) to call me and hopefully they can sort out the rest. I obviously called them several times just to be hung up on by a computer. ( Virtual Attendant ) I can be reached most weekday afternoons. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc.
State: WI

Complaint narrative:
I have still yet to receive my refund from the king of cash this has been going on for XXXX  months now this is complaint number XXXX that I have filed about them I tried calling I can never get in touch with the finance department customer service is poor rude and disrespectful ( XXXX  ) in my last complaint they stated they initiated a refund which I have not received and when I called to check there's nothing in the system customer service is still telling me that they have to send over an email to the finance department pertaining to my refund and monetary relief they have a lied after each complaint down to not having my new bank information I wouldn't have had to get a new bank account if they would have stop taking payments from me for money they never delivered to me and after I signed a revoked authorization they still took money out of my account for a loan that was never funded. King of kash needs to be fine for fees and penalties for what they are doing to customers it is absolutely outlandish that you have to wait XXXX months for a refund after you submitted what they needed and they still don't send your money and it's like they're not being held accountable for what they're doing I'm not the only person that's complaining about what they've been doing to people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: Block, Inc.
State: NC

Complaint narrative:
In XXXX of XXXX I received notification from the IRS stating we didn't disclose additional income in the amount of {$42000.00} Federal and {$2700.00} for XXXX those amounts were submitted by BLOCK INC/CASH APP for tax year XXXX. When contacting them over since XXXX they have open and closed cases, after I submitted documentation to prove those amounts were not my debt and that my cash app account was hacked. I filed a police report regarding my information being used on cash app, in XX/XX/XXXX a cash app rep advised me there were XXXX pages of transaction with a 2 month period totaling $ XXXX. Withdraws were XXXX using a XXXX XXXX XXXX XXXX XXXX XXXX, that wasn't issued in my name. I contacted XXXX XXXX who confirmed that I don't have an account with them under my name or ss number. This is why I didn't understand how someone could withdraw funds under my account using a debit card not issued in my name. Meanwhile I've received notices from the IRS and XXXX of penalties and intent to levy our home. XXXX XXXX I received an email indicating that my account has been compromised, and that the tax dept. will respond within XXXX  days, to date I haven't received a response. Forward til today XX/XX/XXXX when I advised them I am currently seeking legal counsel, and making a formal complaint regarding the handling of this situation, someone actually responded, but I have to wait for the allowed timeframe for someone to contact me, if it's decided in my favor. Why would it not be decided in my favor, when this is cash app 's error. I've done everything I know to do to get someone, anyone to handle this properly. I've asked to speak with someone in the XXXX dept. for Block Inc/Cash App. they advised me, they don't have a phone number and I would have to wait for a response. It's now XXXX yrs no response. I know this statement is long but no one will understand how this situation has affected me mentally, physically and financially, because Cash App has not tried to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, some criminals somehow got my checking account information and made several unauthorized purchases. I alerted my bank, Citibank, and had my debit card canceled and was issued a new one. During the time of their investigation, they provided me with provisional funds to cover what the criminals stole. I received a letter dated XX/XX/XXXX from Citibank informing me that they had determined that I made XXXX of the disputed purchases and that they removed money from my account to cover it. Their " evidence '' was that : XXXX ) whoever picked up the product, in MN by the way, had provided my email address and ; XXXX ) a random picture of some XXXX woman that I presume they thought was me. I wrote an appeal to their findings, pointing out that I did not make the purchase. That I have never even been to MN. I live in New York. In addition, I noted that if the criminals can get my checking account information, then they can certainly get my email address. It's not difficult to find someone's email address. I would think it much harder to find someone's debit card information, and the thieves uncovered and stole both! Moreover, Citibank 's XXXX XXXX failed miserably if they thought that the picture of that XXXX woman was me. In the letter that I wrote, I provided them with pictures of myself to refute their claim. I was offended by their allegations and what they called " proof. '' Frankly, it's XXXX. Surely, they must have some XXXX people or people of XXXX who can tell us apart. Finally, I informed them that I would be filing a complaint and that shortly, I will be switching banking institutions. I faxed the letter and await their response.

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 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: DC

Complaint narrative:
Under FDCPA there are several violations that has been made by Source Receivables XXXX. The following violations are : Details of the Violation ( XXXX ) : False or Misleading Representations section XXXX The debt collector falsely claimed I owed a balance to XXXX  that I had already disputed and/or was never substantiated. The debt collector failed to provide proper validation before continuing collection activities. Unfair Practices XXXX The debt collector engaged in unfair practices, such as attempting to collect fees or charges not expressly authorized by the original agreement or permitted by law. Communication with XXXX XXXX section XXXX ( b ) If applicable, The debt collector improperly disclosed details of the alleged debt to XXXX XXXX  without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - SENTRY RECOVSENTRY RECOV - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

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 2026-02-20 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: CA

Complaint narrative:
In XX/XX/year>, I deposited a settlement check from my attorney into my Bank of America account. At the time of deposit, a bank representative told me the funds would be available on XX/XX/year>. However, they advised me to call the next day to have a manager expedite the check so it could be available on XX/XX/year>. 

On XX/XX/year>, I called Bank of America as instructed. The representative I spoke with said they could get the account cleared, but the new availability date would be Friday, XX/XX/year>. 

On Friday, XX/XX/year>, I called again to check on the funds. The representative told me the check had bounced and that it was a bad check with no funds available from the bank the check was drawn on. I asked to speak to a supervisor, and the supervisor confirmed the same informationthat the check had bounced and funds were not available. 

I then contacted my attorney, who had issued the check to me. They informed me that the check had actually cleared on XX/XX/year> and the funds had already been taken out of their account. 

I called Bank of America a third time with this information. This time, they admitted they had received the funds but stated they are now holding them until XX/XX/year>. They changed their story XXXX timesfirst promising expedited availability, then delaying to the XXXX, then falsely claiming the check bounced, and finally revealing they actually have my money but are holding it longer. 

This misconduct is causing me severe hardship. I have been waiting over a year for this settlement money. I am behind on all my bills, my child needs food, and I need gas. I relied on their false statements about the check bouncing when in fact the funds were already in their possession. 

I request immediate release of my funds and compensation for the harm caused by their deceptive and mishandled communication.

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 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Harley Davidson Financial Services Inc
State: WA

Complaint narrative:
My spouse and I are filing for bankruptcy, which has been mentioned to this creditor several times. The instances where my spouse spoke with them on the phone, he was spoken to in an extremely unprofessional manor with representatives yelling over him when he tried to explain the current situation with our bankruptcy filing. He spoke with them today, XX/XX/XXXX, as well as XX/XX/XXXX after they called his father in an attempt to contact us. Both times they were told that we are in the process of filing for bankruptcy and were asked to stop harassing us. Since then, they have called us each XXXX times daily, excluding the weekend. We are working on a cease and desist order, but for the time being, we have no peace. 

Attached are screenshots of our call logs showing the frequency of their callls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a XXXX financing statement filed on XX/XX/XXXX in XXXX XXXX XXXX TX ( Document # XXXX ) related to a solar loan. The loan was discharged in Chapter XXXX bankruptcy on XX/XX/XXXX, eliminating personal liability. 

I sent a certified letter on XX/XX/XXXX requesting the company file a XXXX termination, which was delivered on XX/XX/XXXX. I followed up with emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting a written response and the liens release. The company responded on XX/XX/XXXX asserting that the XXXX survives the bankruptcy discharge but did not commit to filing a XXXX termination. After the XX/XX/XXXX follow-up, the company failed to respond by the requested XXXX deadline. 

Despite multiple formal requests, the XXXX lien remains XXXX record, unnecessarily clouding the property title and preventing refinancing or sale. I am requesting assistance to ensure the company provides a written response and files a XXXX termination if legally appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I I moved out of my apartment in XXXX on XX/XX/year>. At the time of my move-out, I paid my electric bill for that month and was not aware of any outstanding balance. I am now aware of the situation and would like to pay only the amount owed up to the date I vacated the property. I am also requesting clarification on how the balance reached {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Category : Student Loan Servicing Refund Not Issued I am filing a complaint regarding MOHELAs handling of a refund related to my federally held student loan. I overpaid my loan by {$3100.00} prior to its forgiveness in XXXX. MOHELA informed me that they submitted the refund request to the U.S. Department of the Treasury on XX/XX/XXXX, but I have never received the refund. 
I contacted MOHELA in XX/XX/XXXX for an update. They were unable to provide : A transaction ID A batch ID A refund request reference number Any documentation showing that the refund was transmitted to XXXX XXXX XXXX or Treasury Instead, they stated that Treasury would have that information, even though MOHELA is the originating servicer and should retain transmission records. They submitted an internal escalation but told me it could take 10 business days for them to hear back and up to 90 days for processing, and advised me to call back in XX/XX/XXXX. 
This refund has now been delayed for nearly a year, and MOHELA has not provided adequate documentation, transparency, or resolution. I am requesting that MOHELAs executive resolution team : Provide written confirmation of the refund transmission Supply the transaction or batch ID associated with the XX/XX/XXXX submission Clarify whether the refund was received by XXXX Reprocess the refund if necessary Provide a clear timeline for issuance I am seeking CFPB assistance to ensure MOHELA provides accurate information and resolves this longoverdue refund.

Company response to consumer: Untimely response