vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: CO

Complaint narrative:
A fraudulent checking account was opened at Morgan Stanley through E * TRADE online using my name, Social Security number, and address. I called Morgan Stanley, and E * TRADE fraud lines and they stated they would investigate. When I asked for confirmation or some form of investigation number, they told me they would send my name over to the fraud department and they would take care of it. When I asked to speak to the fraud department, they said I was not allowed to speak to them directly, but they were pretty sure they would investigate and take care of the problem. Currently, I have no idea if the account has been closed or is still open. With no proof of an investigation or any documentation that the account has been closed, I have to assume that the individual or individuals who have stolen my identity are still using the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Happy Money, Inc.
State: TN

Complaint narrative:
A fraudulent loan was taken out under my maiden name with this company. I made a police report and sent them the police report. They are still making me go through hoops and not resolving the issue. They have not started their investigation because they are wanting me to go to identitytheft.gov. I have done that and sent them paperwork but it is not good enough because they want a completed FTC Identity Theft Report from them. The website does not work. I have sent them screenshots of it not working so therefore I am not able to get the report they want. They are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am providing an update to my active Complaint ID : XXXX regarding unauthorized electronic fund transfers out of my Wells Fargo account XXXX On XXXX XXXX XXXX I officially filed a formal cybercrime report with the Federal Bureau of Investigation 's Internet Crime Complaint Center ( IC3 ). I am attaching the official proof of this filing to this case. This incident involved a severe mobile device compromise/malware infection that allowed bad actors to bypass my security parameters and execute unauthorized transfers without my knowledge or consent. Because these transactions were entirely unauthorized, they are fully protected under federal Regulation E ( the Electronic Fund Transfer Act ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this follow-up complaint because Citis responses continue to address only the deferred interest terms, while failing to investigate or respond to the core issue raised in my prior complaints. My dispute is not based on misunderstanding the promotional terms. The central issue is that, after multiple phone calls with Citi representatives and supervisors, I was specifically informed that if I made the requested payment, the remaining issue would be resolved and the interest charges would be removed or adjusted accordingly. I relied on those representations when making the payment. However, Citis written responses do not address : - whether the calls were reviewed, - whether the representations were made, - whether call recordings or transcripts were preserved, - or why conflicting information was later provided by another supervisor. Instead, Citi simply restates the original promotional terms without addressing the actual servicing conduct being disputed. Additionally, Citis latest response demonstrates that discretionary adjustment authority existed, since Citi later offered to credit {$360.00} in deferred interest charges if an additional payment was made. This further supports my concern that inconsistent and conflicting representations were provided by Citi personnel throughout this process. I respectfully request : 1. A formal investigation into the phone calls referenced in my prior complaints ; 2. Preservation and review of all call recordings and internal notes related to my account ; 3. Clarification regarding which Citi representatives or supervisors handled these communications ; 4. A determination regarding whether inaccurate or misleading representations were made during these calls. My complaint is specifically about reliance upon representations made by Citi representatives and the failure to properly investigate those communications not merely the existence of deferred interest terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have a collection account on my credit report from Jefferson Capital Systems, original creditor XXXX, for {$250.00}. This account was not mine. It belonged to my ex-boyfriend. When he went to jail I took over and closed the account. XXXX refused to retrieve their equipment on multiple occasions. When I called soon after, approximately a year later, and again a couple years later, XXXX told me to throw the equipment away and they will no longer retrieve it because they do not use that type of equipment any more. Despite their own instructions to discard it, the debt was sent to collections and is now on my credit report. I am not responsible for this debt and am requesting it be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
The issue is that USAA is charging me for two balance transfers when only one valid transfer was successfully completed. I initially attempted to complete a balance transfer using the USAA mobile app. However, when I called approximately one week later for a status update, I was informed that I was required to call after submitting the request in order for it to be processed. I then attempted to submit another balance transfer request by using USAAs automated keypad system to enter the XXXX XXXX card number. The system did not allow pauses and would restart the process if an error occurred. During this process, I accidentally entered an incorrect card number. I later realized the error after noticing that the funds never posted to my XXXX account. I contacted USAA, opened a dispute regarding the failed transfer, and then created a third balance transfer using the correct card number. That transfer was processed successfully, and the funds were received by XXXX. The original dispute case was later closed because USAA stated they were expecting additional information from me. However, I was never notified, contacted, or advised that further action was required on my part. Afterward, I discovered that USAA was still charging me for the balance transfer associated with the incorrect card number. I disputed the transaction again, but I was advised that USAA would stand by its original findings. USAA requested the full 16-digit card number that was mistakenly entered. However, I only had access to the last four digits based on the documentation provided to me. USAA also stated that they could only view the last four digits on their end. Due to the lack of resolution, I escalated the matter to the CEO Member Relations team and began maintaining a detailed call log of all communications. A CEO representative later opened a case with the backend processing team, and a XXXX case was created under reference number XXXX. After several follow-up calls, I was ultimately informed that the funds could not be recovered because neither USAA nor the backend team had the full card or account number where the funds were sent. I had attached statements and letters from USAA and a timeline of the events. I also called XXXX and they advised that this is not something they can look into for me because they did knot initiate the request. Cases Reference Type Number Dispute Case XXXX Balance Transfer Ref XXXX Dispute Case XXXX CEO Case Ref XXXX XXXX Request XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/year> I called America First Credit Union ( XXXX ) regarding multiple ACH transactions that overdrew my checking account. This has been a recurring problem in my year of banking with them, and I had contacted customer support many times earlier and was told that pending transactions should show in online banking ( web application ) but never show in the mobile application. I was vigilant in constantly checking web application for pending transactions that never showed, but always assumed it was something on my end, as we had called customer support at least 3 times earlier than XX/XX/year> and received the same answer each time. The issue on XX/XX/XXXX stemmed from multiple ACH transactions from the past 2 weeks all going through at the same time, and thus overdrawing my bank account and incurring a fee of {$25.00}. This has happened 8 other times in the past year. Each time, me thinking I just missed pending transactions despite my due diligence in observing the online banking site. During this call on XX/XX/XXXX I pressed further on why I have seen this happening and was informed that ACH transactions routed through account and routing numbers do NOT appear as pending in either mobile OR online banking. Only debit card transactions show as pending. This was the first time in over a year of membership that I received this explanation, despite having called previously about the same issue and being told each time to check online banking for pending transactions. During the XX/XX/XXXX call, the 9th overdrawn fee that was incurred I requested to be refunded to me, which it was, and which I appreciate. I was also told that a ticket was being submitted to the IT department and that someone would contact me within a certain number business days to discuss the issue further. After more than 5 business days with no contact, I called back on XX/XX/XXXX. The representative I spoke with could not locate the ticket number or clear record of the escalation. After consulting her supervisor, she confirmed that ACH pending visibility is not something XXXX is able to offer and that no fix is being worked on. I have been a member for over a yaer and estimate I have paid approximately {$200.00} in un-refunded fees during this time directly related to this visibility gap. I was repeatedly given incorrect guidance. I am not requesting additional fee refunds at this time. I am filing this complaint to create an official record that XXXXXXXX XXXX pending transaction visibility gap is misleading members, resulting in overdraft fees that could be avoided with proper disclosure or system improvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
My internet bill with XXXX was XXXX from XXXX to XXXX XXXX in XX/XX/XXXX, i received a billing reminder from XXXX says my monthly payment increased toXXXX, so I called them and spent one hour to deal with their customer service asked them to cancel my subscription when this billing cycle end. One month later, I received another bill reminding from them says now my monthly bill increased again, to XXXX now, I called them again and told them to cancel it right away, that was the first day of the month bill cycle and I paid XXXX dollars for 3-4 days using fee which I calculate by myself. How ever, XXXX was keep asking me to pay the full month fee for XXXX dollars ( XXXX XXXX I paid ). Then the sent the case to a collector and credit bureau in XXXX. I dispute it but my credit score still dropped for few months, and now, XXXX send the case to Jefferson Capital System LLC-Debt Collector, and they forward to my credit bureaus again. what should I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Sold my ring to a we buy gold company on line to get my funds to me I opened a PayPal account was supposed to be the fastest and easiest way to get my money soon as the money went into my account they locked it and said they need more information I gave them everything they ask for XXXX hours later they sent me a email saying they didnt want my business basically and my money would go on hold for 180 Days then I could see about getting it back I did nothing wrong and they wont. Give me any information about why this has happend to me its a dam nightmare I wish to XXXX I never used PayPal they are horrible people

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I sent a formal debt validation request and pay-for-delete proposal to Security Credit Services LLC via USPS Certified Mail on XX/XX/year>. Account : XXXX # XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX Reported Balance : {$690.00} Pursuant to my rights under the FDCPA 15 U.S.C. Section 1692g, Security Credit Services was required to provide complete debt validation including proof of ownership, original signed agreement, itemized balance statement, and proof of Alabama collection license. It has been over 60 days since my certified mail request was delivered. Security Credit Services has not responded with any validation documentation. Despite failing to validate this debt, Security Credit Services continues to report this account on my XXXX and XXXX credit reports with a balance of {$690.00}, in violation of the FDCPA. I am requesting the CFPB compel Security Credit Services to : 1. Provide complete debt validation immediately, or 2. Delete this tradeline from all consumer reporting agencies 3. Cease all collection activity until the debt is validated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, my debit/credit card was declined at XXXX XXXX XXXX for a {$110.00} charge. This was approximately the 7th time my card has been declined by the bank 's fraud system for legitimate this transaction that I authorized. I contacted the bank twice regarding these repeated false declines and was told each time that the issue had been resolved. Despite these assurances, the problem persisted. On XX/XX/XXXX, I called the bank again and was placed on hold for over 30 minutes before reaching a representative. The bank 's fraud detection system has repeatedly and incorrectly flagged my legitimate purchases, causing ongoing embarrassment at point of sale and preventing me from accessing my own funds. I am requesting that the bank permanently correct this issue, provide written confirmation of the resolution, and provide appropriate compensation for the time, inconvenience, and repeated failures to fix this problem after multiple contacts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: LA

Complaint narrative:
I repeatedly asked this company to remove me from their calling list since XX/XX/year> since I am not the personthey are looking for but instead they continueto harass me. But they keep calling, I've blocked several of the numbers they call from, but they just call from different numbers throughout the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was scam last year in XXXX and the bank said in the phone thats it was fraud now today which is XX/XX/year> the took every dime outta my account I never received any paperwork or never got put a payment. He didnt even give me when I talk to the bank for department. They told me that this claim would be fraud and police report and do what they told me to do. Now now the bank is saying its my fault and I had to give the money up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: FL

Complaint narrative:
Description of the issue : I am filing this complaint to urgently reopen/file a new case because Bank of America closed my previous case based on false premises. The bank claimed they sent me a cashier 's check for {$17000.00} following my account closure. However, they sent it without a tracking number, and I never received the funds. As of last Monday ( XX/XX/year> ), the undelivered check was officially returned to Bank of America 's facilities and was signed and received by a bank employee named XXXX. Bank of America currently holds my {$17000.00} in their possession. I have called customer service every single day for over a week, and they refuse to give me a concrete answer or a direct phone number to the department handling my funds. My account manager, XXXX, is completely ignoring my emails and phone calls. The bank misled the CFPB by stating the issue was resolved just by printing a check. The reality is that the bank still has my money, my funds are being illegally withheld, and I am facing severe financial hardship with my international business operations due to their lack of 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 monetary relief
Consumer complaint received 2026-05-19 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: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/scrub>XXXX I filed a dispute and have called to inquire just for customer service to blatantly lie to me and provide me false information stating I was getting refunded my {$400.00} plus fees. This has been an on going no communication or resolution. Oh and they make it super hard to actually file a dispute and despite their claims that I am a chime plus member ( I have no access to my pay etc even though I'm supposed to... ) the customer service and communication is stressful and I will be taking my money elsewhere but I would like my money back first ..... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing a formal consumer complaint against Credence Resource Management , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I recently received an unexpected text message from this company attempting to collect an alleged XXXX XXXX XXXX debt. I have absolutely no relationship with Credence Resource Management , LLC, I have never entered into any agreement with them, and I was completely unaware of who this company was until receiving this unauthorized communication. This account was previously held by a different collection agency, XXXX XXXX XXXX XXXX, who completely restricted the file and requested a full deletion from my credit reports after the information was found to be entirely unverifiable and associated with inaccurate personal data ( such as an incorrect name, " XXXX XXXX XXXX '' ). Now, without my knowledge or consent, my private, personal information is being passed back and forth between completely random, third-party debt collection companies. This unauthorized sharing and trafficking of my private consumer data across multiple non-affiliated entities is completely unacceptable and a severe violation of my consumer privacy rights. Furthermore, Credence Resource Management has failed to provide me with a formal written validation notice via mail detailing my 30-day verification rights, choosing instead to initiate contact through text message. Because this alleged balance is tied to completely inaccurate historical data and is being shuffled around illegally, it can not be legally verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: PNC Bank N.A.
State: TX

Complaint narrative:
I had an account with a merchant canceled and returned product and they continued to charge my account contacted bank and nothing has been done and no funds recovered

Company response to consumer: Closed with monetary relief