vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this formal complaint against Bank of America for serious violations of federal lending laws, specifically Real Estate Settlement Procedures Act ( RESPA ) guidelines under 12 CFR 1024.36, and for engaging in deceptive and predatory practices that have placed my property in jeopardy. I am a consumer currently in recovery from a major surgical procedure that took place in XX/XX/year>. This medical crisis left me physically incapacitated and temporarily unable to make payments. Compounding this issue, my rental property suffered a catastrophic loss of over {$25000.00} in rental revenue because a non-compliant tenant locked out housing inspectors, forcing an immediate suspension of benefits under Section XXXX XXXX XXXX XXXX. Bank of America was explicitly notified of these mitigating hardships during a recorded telephone conversation last year. In an effort to resolve my account and clarify my debt obligations, I submitted an official, formal request to Bank of America for an accurate account payoff balance statement. Under federal RESPA and Truth in Lending Act ( TILA ) guidelines, a mortgage servicer is legally mandated to provide an accurate payoff balance within seven ( 7 ) business days of receiving a written request. Instead of complying with federal law, Bank of America intentionally withheld my payoff information for two ( 2 ) full months. During this period of non-compliance, while actively blocking my right to pay off and satisfy the underlying debt, Bank of America prematurely initiated foreclosure litigation against me in the XXXX XXXX XXXX XXXX XXXX, Illinois ( Case No. XXXX ). By withholding the payoff figures and accelerating foreclosure paperwork, Bank of America artificially manufactured a legal default, inflated corporate penalties, and added unconscionable legal and attorney fees to my account. They are using their administrative failure to force an wrongful foreclosure on my home. Furthermore, Bank of America has failed to properly evaluate my account for a loan modification to convert my current unstable adjustable-rate mortgage ( ARM ) to a stable, fixed-rate loan structure, which is vital to my ongoing financial recovery.

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/year> I applied for a XXXX XXXX via XXXX 's official website while making reservations for plane tickets. The promotion offered first year zero annual fee along with {$200.00} statement credit. I activated my card and received my first statement showing the {$99.00} annual fee. The first time I called the rep at Barclay claimed it was a website issue and that I needed to contact XXXX to have the issue resolved. Once I got ahold of XXXX ( took 10 tries of chat and whatspp messaging ), I was told to contact Barclays- that this is a bank issue not a reservation issue. I contacted Barclays again and was told nothing could be done to resolve this situation that my terms included the {$99.00} in fine print. When i applied this fee was advertised as being waived the first year. This is very misleading and predatory to individuals trying to travel on a tight budget. I regret falling into this trap and hope to prevent this issue from happening to others.

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 2026-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding a collection account reported by IC System Account XXXX XXXX that does not belong to me. I contacted IC System multiple times regarding this account. The first time I called, they told me I was not in their records and I have proof of the recording, yet the account was still being reported on my credit file. I subsequently filed a dispute with the credit bureaus, and the account was deleted. However, it is still showing on my XXXX report as an active collection. When I called IC System again to ask why it still shows as owed on XXXX when it has already been deleted from my other credit reports, they told me I still owe the balance. This account does not belong to me and should not be reported on any of my credit files. This is inconsistent and inaccurate reporting. IC System can not verify this debt in XXXX instance while claiming it is valid in another, and can not report a status on XXXX that contradicts what has already been deleted elsewhere. I am requesting that the CFPB investigate this matter and compel IC System to permanently delete this account from all credit reporting agencies, including XXXX, and to cease all collection efforts, as this debt does not belong to me and has already been recognized as invalid.

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 2026-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/year>, I contacted my mortgage company regarding a disbursement made from our escrow account to a party other than our county tax authority. My initial inquiry was conducted through an online chat with a representative, who informed me that the payment had been issued to a third party and provided a document explaining the transaction. Unfortunately, I was unable to save the document. The representative advised that I would need to call customer service for additional information regarding why the payment was made and why we had not been notified by phone, email, mail, or any other form of communication. When I subsequently called, I was told that the payment had been made directly to the county. However, I have confirmed with the county on multiple occasions that they did not receive an overpayment and have no record of any excess funds related to our account. Since then, I have contacted the mortgage company several more times in an effort to obtain clarification. During each conversation, representatives have repeated the same information previously provided and assured me that additional details would be available upon follow-up. Unfortunately, each follow-up call has resulted in the same response, with no new information provided and no explanation as to why the payment was made without our authorization, approval, or knowledge. To date, I have not received a satisfactory explanation regarding where the funds were sent, who received them, or why the transaction occurred without notification. As a result, I remain extremely concerned about the handling of our escrow funds and the lack of transparency surrounding this issue. I have contacted the company regarding this matter on the following dates : XX/XX/year> XX/XX/year> ( multiple calls ) XX/XX/year> XX/XX/year> XX/XX/year> Despite these repeated attempts to obtain answers, my questions remain unresolved, and no meaningful explanation or supporting documentation has been provided. I am requesting a detailed accounting of this escrow disbursement, including the recipient of the funds, the reason for the payment, supporting documentation, and an explanation as to why I was not notified prior to the transaction being processed.

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Google Compare Credit Cards Inc.
State: UT

Complaint narrative:
I was overcharged and charged twice for my XX/XX/year> google one statement. Every month I pay {$3.00} for google one storage but in XX/XX/year> I was charged {$3.00} AND {$32.00}. I disputed it with my credit card but they said only the merchant could do it so I tried to get help from google but they said they couldn't find anything wrong with my account. I have a receipt showing I was charged both {$3.00} AND {$32.00} for XXXX XXXX of storage for the month. I have been in contact with google for months and nothing has been resolved.

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 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Control, LLC
State: GA

Complaint narrative:
This company along with several others are playing a shell game. When I request proof of ownership they send another debt collector with the same debt but different account number. All claiming to represent 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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I revoked authorization for a monthly ACH withdrawal but my bank did not honor it. They did reverse the unauthorized transaction on XX/XX/year> but they also credited my account for the same amount. On XX/XX/year>, XXXX days after their error they withdrew all funds in my account and left a negative balance. I immediately contacted the bank manager to request the funds be replaced immediately due to not notifying me XXXX days in advance and the XXXX days allowed to claw back funds had passed. Funds were deducted from my account XXXX days after their error. I'm incurring NSF fees and autopays are being rejected. I'm also unable to operate my business with the over {$25000.00} taken from my account.

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 2026-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Who make concern it My son XXXX XXXX XXXX ) send me money through XXXX from Bank of America that money is help to pay my Morgages so, i am filing a formal complaint regarding a XXXX transfer that has not been received. On Sunday at approximately XXXXXXXX XXXX., I sent {$1300.00} from my Bank of America account to my XXXX XXXX account using XXXX. The funds were deducted from my account immediately ; however, my mother has never received the payment. I have verified that the recipient information was correct. Despite the funds leaving my account, the transfer has not been completed successfully to XXXX I called the same day and they told me the money never go true to me ( XXXX XXXX ) they told XXXX Bank of America XXXX to XXXX XXXX. My son., call to XXXX and XXXX told him they dont know about it. They said call Bank of America nobody wants to respond for sons money I called XXXX bank with routing number XXXX and account number XXXX And they said we never received the transfer from Bank of America by XXXX So, I had to borrow money to. Deposit in my account because it was overdraw Please I need the money back to my son I respectfully request that Bank of America investigate this transaction immediately, trace the payment, determine where the funds are located, and either complete the transfer or return the {$1300.00} to my account as soon as possible. Please provide me with the results of your investigation and any additional information regarding the status of this transaction. Bank of America has a bad customer service They did not respond here also, this is the second complaint about the same issue. XX/XX/year> The money never went out of my sons account to me so? Where is the money? I dont have other account with Bank of America XXXX Thanks

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 2026-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
SunriseCred has filed a collection claim on my XXXX credit reports for an alleged outstanding balance with XXXX, account number XXXX, and the figures do not add up. An unexplained balance and a settlement that can not be provided do not constitute a verified debt.

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 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: NJ

Complaint narrative:
b'Capital Services Management LLC (CSM) sent me a collection letter dated XXXX XXXX XXXX for an alleged Bank of America credit card debt. I mailed a written dispute via USPS Certified Mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX signed for and received my dispute on XXXX XXXX XXXX within the 30-day statutory window under 15 U.S.C. 1692g(a). CSM never responded, never sent verification of the debt, and never notified me it was ceasing collection. Instead, CSM transferred the disputed, unverified account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which then filed a lawsuit against me in New Jersey Superior Court on XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1692g(b), CSM was required to cease all collection activity and obtain and mail verification before resuming any collection. CSM violated 1692g(b) by: (1) failing to verify the disputed debt and (2) transferring the disputed, unverified account to another collector who used it to file suit.'

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 2026-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX XXXX XXXX card by Citi was abruptly closed by Citibank without any prior notice or valid reason. I contacted their fraud department, and they stated the account is permanently closed but refused to provide any explanation. My account was in excellent standing with XXXX missed payments. The only recent change was a standard mobile XXXX porting, which appears to have triggered a false positive in Citi 's automated fraud system. Because this is a bank-side error, I request Citibank to either reinstate my account with its original credit history, or issue a formal letter clarifying that the account was closed due to a bank system error in good standing, and ensure all my accumulated cash back rewards are paid out via check.

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 2026-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from US BANK stating someone tried to open a savings and checking account under my name on XX/XX/year>. Reference number : 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 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: IL

Complaint narrative:
They contacted my mom and said I had a dept that they need to collect with. Link to the payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I enrolled in a hardship program after falling behind on my credit card payments. I understood the program required XXXX consecutive monthly payments of approximately {$15.00}, after which my account would be closed. I made my hardship payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After making my final payment on XX/XX/XXXX, I called the company because I was still receiving account emails. I specifically asked if this was my last hardship payment and when the account would reflect that the program was complete. The representative confirmed that it was my final payment and told me the system would update over the weekend and that my account should be current by Monday. Recently, I contacted the company again because I was still being told I owed a balance. The first representative initially claimed my hardship payments had bounced. I explained that all hardship payments had to be made by phone and that no representative ever told me there was an issue with any payment. If a payment had actually failed, I would have expected to be notified at the time. The representative then changed the explanation and stated I had not completed the payments within the required consecutive months. After I provided the dates of my payments, there was no explanation for the discrepancy. During another call, I was told for the XXXX time that the hardship program actually required XXXX monthly payments. This directly conflicts with what I was told when I enrolled and when I completed my final payment. I repeatedly confirmed with representatives that the hardship program required only XXXX payments and that the account would be closed after those payments were completed. I requested a copy of the hardship agreement and documentation showing the terms I allegedly agreed to, but I was told the company could not provide it because I am no longer enrolled in the program. I searched my email and my online account and could not find the agreement they claimed had been sent. I am requesting that the company provide the documentation supporting its position, explain the conflicting information I have been given, investigate my account, and honor the hardship agreement if I fulfilled the agreed-upon requirements.

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 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I received multiple calls from phone number ( XXXX ) XXXX between approximately XXXXXXXX XXXX and XXXXXXXX XXXX The caller placed repeated calls within minutes of each other, totaling XXXX or more calls in a short period. On XX/XX/year>, the same number again called repeatedly at approximately XXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX. My phone identified the number as Potential Spam. I did not provide any personal or financial information. I blocked the number and am reporting the repeated unwanted calls because they appear to be spam or a possible caller ID spoofing attempt.

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 2026-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I am submitting this complaint because Netspend has failed to properly investigate and resolve my claim involving XXXX unauthorized debit card transactions. Over approximately XXXX month, XXXX unauthorized card-not-present purchase transactions were posted to my account by the same merchant. I did not authorize any of these transactions. I never shared my card with anyone. None of the disputed transactions required XXXX Secure authentication, XXXX-time passcodes, or SMS verification. I immediately reported the unauthorized transactions to Netspend and filed a fraud dispute. Netspend denied my claim using only generalized statements, including : " No pattern indicating fraud '' " No evidence of account compromise '' " No evidence of device compromise '' These statements do not explain how Netspend concluded that I authorized the disputed transactions. I submitted a formal written appeal requesting that Netspend reopen the investigation and provide the evidence supporting its decision. Specifically, I requested information regarding the authorization method, whether the transactions were card-present or card-not-present, whether XXXX, XXXX Secure, or XXXX digital wallet was used, and the evidence demonstrating that I personally authorized these purchases. Netspend has failed to respond to my appeal. I believe Netspend has not conducted a reasonable investigation as required under the Electronic Fund Transfer Act and Regulation XXXX The company has provided no evidence that I authorized these transactions and has failed to respond to my request for reconsideration. I respectfully request that CFPB require Netspend to : Reopen and conduct a thorough investigation of my fraud claim. Provide the evidence supporting its conclusion that these transactions were authorized by me. Reimburse the unauthorized transactions if such evidence can not be produced. Provide a complete written explanation of its investigation and findings. I have acted promptly, fully cooperated with Netspend throughout the process, and simply seek a fair investigation and compliance with applicable federal 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