vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 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: OH

Complaint narrative:
Bank of America made it extremely hard for me as a XXXX XXXX XXXX with a XXXX XXXX XXXX to open a business back account, it took weeks for them to finally tell me they needed full pages of articles to open the account which was only told to me after I continually reached out via email asking for an update. Account was finally opened. I reached out to customer service to find out if third party checks were accepted and if so how to properly endorse them to make sure their would be no issues. I was told ON A RECORDED LINE that third party checks were accepted and to endorse the check and deposit it. I did as was told and then a few days later my account was closed, check was never rejected for improper deposit just immediately closed and I was told nothing could be done and to wait for a check in the mail. After calling and waiting for weeks and receiving different inaccurate information every time I called and spoke with the supervisor on the security team. Her name is XXXX, she was extremely rude and unhelpful. Ive been in and out the branch, sent away with wrong information just for the customer service agents to tell me to go back up to the branch just to be turnt away again. Every solution that couldve resolved the situation I CAME UP WITH. Nobody in customer service or the branch had any interest in finding a solution. I was told that the third party of the check would be contacted to confirm endorsement of check .. that was never done. We then took it upon ourselves to take time to get proper POA documents to get the funds released. I took those documents to the branch and after sitting with the banker ON HOLD for an hour i was told their was nothing that could be done at the moment and to wait until I receive mail to the address on file asking for additional documents ONLY THEN could I submit the POA documents. No one in the branch or over the phone looked at or followed the fdic guild lines pertaining to the POA documents. I was then told that my issue would be escalated to the branch manager after getting upset about not receiving a solution going on 3 months. My name was not taken done and no copies of my documents were made to be able to escalate to the manager. When I brought this up to the bankers present i was told to leave take my documents and specifically told I will not be escalating anything because we already told you our hands are tied. My rights have been violated as well as the law required for banks to follow. Still no resolution have been given but my account has been closed. The bank refuse to return the check to the maker, release the funds to me and are choosing to hold them in limbo for what? Gaining interest on it? Not sure

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX six unauthorized transactions were taken from our checking account. On XX/XX/XXXX we caught them as pending and called immediately, they then all posted on XX/XX/XXXX along with 2 additional fraudulent charges making it 8 total charges totaling XXXX . They were paid to XXXX XXXX, a financial institution we have no cards for and make no payments to. We were given several false time lines for when the error would be corrected and it still has not been. We got one written notification that our claim ( XXXX ) was closed. We were told by the manager that that due to 2 additional fraudulent transactions going through it was closed as a duplicate and XXXX was then opened on XX/XX/XXXX. On XX/XX/XXXX I demanded a provisional credit and was told we should have it by Monday XX/XX/XXXX, that did not happen. Another call with the manager and we then were told we would have it Friday XX/XX/XXXX, again didnt happen then told it should be there today XX/XX/XXXX again did not happen. We are now 15 business days since our original filing and 12 business days since the second claim was opened. As soon as our paycheck were deposited on XX/XX/XXXX they were taken immediately to cover the negative balance leaving us almost empty again. We have since had to use a credit card to cover our living expenses which will soon be due and we wont be able to pay it due to this issue continuing to drag on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CO

Complaint narrative:
On XX/XX/year>, I paid {$1500.00} through Klarna to XXXX XXXX for music promotional services related to marketing my music/project online. The amount owed for their services were never explained, they only showed me where to go to " purchase '' their promotional service. The service purchased was digital music promotion services, including promotion/marketing exposure for my music release through online platforms and social media outreach. This was not a physical item purchase. After payment was made, the agreed promotional services were either never started or never completed. I did not receive the exposure, promotion, or results that were discussed during our XXXX XXXX conversations. After requesting a refund - I attempted to follow up for updates and resolution, but communication became inconsistent and no satisfactory resolution was provided. No refund policy or written service agreement was disclosed before payment. I would get left on read and was blocked from messaging them on social media. I did leave a copy of my police report under documents with all other requested information. Klarna stated I didnt provide the correct information for evidence but it clearly states how they used their business for promoting content and evidence shows how the merchant would ignore my messages when trying to get in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
Previous complaint # XXXX National Bank of Arizona responded to the XXXX and wrote a letter stating that they had no record of the transfer arriving at the bank. Complaint # XXXX & XXXX with XXXX says they sent the money to the bank. I have been complaining that I need my money to survive, and all they say is that they're working on it. They had 10 days to get me my money, and it has been 30 days+.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
This is not the first time Ive had issues with thee bank, but this is the time I was just fed up. On or around XX/XX/year>, my debit card was stolen ( by I believe XXXX XXXX & XXXX XXXX ). I have had many issues with these 2 people. I had many charges on my account that I disputed with my bank. They told me I would have some provisional credits on my account. I did not ever see those credits. I needed the credits because my account had gone in the negative and I was moving during this time and needed access to my funds badly. I called in the bank and was told by that there would be 3 amounts of 1. ) {$260.00}. 2. ) {$230.00}. 3. ) {$120.00} credited to my account the next day these were from my disputes. My account at this point was Negative around {$900.00}.. I waited and no credits again. I called the bank at least 10 more times and got the run around each time. I was transferred off to different departments each time and with each time got nothing accomplished. I was treated not as a customer of the bank but I felt I was being treated like a criminal or someone who doesnt matter. So here we are my account for online banking has been shut down for almost a month now and every time I call Im told my account will be in collections because of the negative balance even this most of the negative balance is from the charges Im disputing. Im beyond pist and beyond upset. Ive had absolutely zero help from my own banking institution at all. Im really hoping someone can help me and get this problem worked out. I want, I NEED MY ACCOUNT. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX i tried to buy flights tickets from XXXX XXXX, using AFFIRM, for financed them! The loan was denied, so I couldnt buy the tickets! Then today, XX/XX/XXXX, AFFIRM SENT TO ME AN EMAIL STATING THAT A LOAN WAS APPROVED, BUT THEY DIDNT TOLD ME THEY WERE LOOK FOR ANOTHER INSTITUTION WITHOUT MY CONSENT! I CANCELLED WITH XXXX AND THEM REFUNDED A FLIGHT CREDIT, NOT A CREDIT TO THE ORIGINAL PAYMENT METHOD, AFFIRM! NOW AFFIRM WANT ME TO PAY FOR A SERVICE I DID NOT USE, AND I DID NOT THEY WERE FIIND OTHER INSTITUTION WITHOUT MY CONSENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I filed a dispute with PayPal in the amount of {$360.00} on XX/XX/year>. I thought I was purchasing a gaming laptop. Specifications advertised was Gaming Laptop, CPU i9-10980HK, but they sent me a laptop that has a CPU i3-6006. The computer crashed multiple times and doesn't start up. I've done everything that PayPal has asked. I've called PayPal multiple times and chatting with them on many occasions asking for help and even speaking with numerous supervisors. In the end, the tell me the same scripted words " That it will be resolved by the end of the working day ''. They foreign company issued a {$15.00} refund for not delivering the laptop by the expected dated. Since then, they will not respond. I've sent back the laptop back to the customer from the address that Paypal has provided. The company is XXXX, XXXX XXXX, but I used PayPal to make the purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I was approved for a Home Depot XXXX Credit Card and received the physical card. However, my account has remained blocked and unusable for approximately four weeks due to a verification hold. During this time, I have contacted customer service multiple times and have attempted in good faith to resolve the issue. I requested information regarding the reason for the restriction, any documents required from me, and an estimated timeframe for resolution. Despite these efforts, I have not received a clear explanation or a resolution. On my most recent call with a supervisor, I was informed that I must wait for a notification from the bank before any further action can be taken. I explained that I have already been waiting approximately four weeks and that I had previously been given the same response without receiving any notification or update. The supervisor acknowledged the delay and stated that a follow-up would be requested, but no specific timeframe for resolving the issue was provided. I believe this delay is unreasonable because the account was approved and the physical card was already issued and delivered. The company has not identified any specific information missing from my application, has not requested additional documentation, and has not provided a clear path toward resolving the verification hold. I am requesting an immediate review of my account, a written explanation of the reason for the restriction, identification of any information required to complete verification, and prompt activation of my approved credit card 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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Original creditor XXXX XXXX sold an identity theft account to XXXX XXXX XXXX who claimed I owed them a debt. The debt was investigated by XXXX XXXX and proven not my account. On XX/XX/year> a payment was made to XXXX XXXX XXXX to resolve this account as I was purchasing a home and didnt want this on my credit. I now have proof the account originally was identity theft From XXXX XXXX. I called XXXX XXXX capital to ask for a reimbursement as they were very rude and said they do not reimburse even if I have proof the account was not belonging to me. Im attaching a letter from XXXX XXXX showing the debt buyer is XXXX XXXX XXXX and highlighted the area which shows Im not liable for this account. A bank statement circle the amount paid date, and XXXX XXXX XXXX letter of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC System, Inc. Re : Request for Debt ValidationAccount Number : XXXX ( Reference number ) : XXXX To Whom It May Concern : I am writing regarding the above-referenced account that your company claims I owe with XXXX XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act and any other applicable laws, I am requesting validation of this alleged debt. I dispute this debt and request that you provide competent evidence that I am legally obligated to pay the amount claimed. Specifically, please provide the following : 1. The name and address of the original creditor. 2. The total amount allegedly owed, including a breakdown of any interest, fees, penalties, or other charges. 3. Copies of any contracts, agreements, applications, or other documents bearing my signature that demonstrate I agreed to the debt. 4. Documentation showing that I am the person responsible for the alleged account. 5. A complete account history, including the dates of service, billing statements, and payment history. 6. Documentation showing that your company has the legal authority to collect this debt on behalf of the creditor or that the debt was legally assigned or sold to your company. 7. Proof that the debt remains valid and has not been paid, settled, discharged, or otherwise resolved. Until you provide the requested validation, I request that you cease collection efforts regarding this account and refrain from reporting the debt to any credit reporting agency as a verified debt. This letter is not an acknowledgment of liability, nor is it a promise to pay. It is a request for validation of the alleged debt. Please provide the requested information Sincerely, 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 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I closed on a mortgage loan originated by XXXX XXXX XXXX, now serviced by XXXX XXXX XXXX loan originated through XXXX XXXX XXXX XXXX, broker ). The loan is a XXXX fixed rate at 7.875 % on a principal amount of {>= $1,000,000}, secured by a residential property in XXXX, CO. On XX/XX/XXXX, I requested a payoff statement from XXXX XXXX The statement, good through XX/XX/XXXX, shows a " Monthly Interest Amount '' of {$9700.00} and states : " Interest is calculated on a monthly basis. Therefore, if we receive the payoff funds after the first of the month, you will be charged interest for the remainder of that month per your loan agreement. '' This means XXXX is charging a full month of interest ( {$9700.00} ) regardless of when in the month the loan is paid off. If I pay off on XX/XX/XXXX, I am being charged for 22 days of interest I will not owe. Per-diem interest for 8 days would be approximately {$2500.00}. The difference is approximately {$7100.00}. The promissory note ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX ) states in Section XXXX : " Interest will be charged on unpaid Principal until the full amount of the Principal has been paid. '' This language means interest stops accruing when principal is paid not at the end of the calendar month. The payoff statement references a " loan agreement '' as the basis for monthly interest calculation. I have reviewed every document in my closing packet ( XXXX pages ). No document titled " Loan Agreement '' exists. The Note, Deed of Trust, Prepayment Rider, Prepayment Addendum, and all other closing documents contain no clause establishing monthly interest accrual or requiring a full month 's interest upon payoff. XXXX has been unable to issue a revised payoff statement, despite me asking multiple times and representatives agreeing with me. This has and will continue to deploy a closing, causing significant excess financial damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am reporting mortgage servicing misconduct by JPMorgan Chase involving a fraudulent Assignment of Mortgage ( AOM ) recorded in XXXX XXXX. The AOM lists the FDIC as assignor even though the FDIC had no mortgages to assign and did not authorize Chase to execute assignments in its name. The FDIC confirmed this in writing. Chase also continued servicing my loan after its Limited Power of Attorney expired. I have documentation showing Chase continued servicing over XXXX accounts after the POA expiration, meaning Chase acted without legal authority. The fraudulent AOM was used in state and federal court proceedings, which affected the outcome of my case and clouded title. I have also identified multiple other homeowners with similar XXXX AOMs, indicating a systemic pattern. A XXXX XXXX XXXX report shows Chase represented to investors that it owned Washington Mutual mortgage servicing rights, contradicting the FDICs confirmation that no such assets were transferred. This supports a pattern of misrepresentation. I request that CFPB investigate Chases servicing practices, the fraudulent AOM, and the broader pattern of unauthorized assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Subject : FINAL NOTICE : Demand for Immediate Deletion of Unverifiable Account Reporting To Whom It May Concern, I am writing to formally reject your recent correspondence regarding the disputed mortgage account associated with XXXX XXXX XXXX, Shellpoint Mortgage Servicing, and XXXX Mortgage. Your response confirms a series of fatal defects regarding your legal authority to report this data. Specifically, you have conceded that you : Did not originate the loan ; Are not the owner or holder of the underlying debt ; Do not possess the original wet-ink promissory note ; and Do not maintain the required chain of title, ownership, or securitization records. Despite these glaring administrative and legal gaps, you continue to report this account as " accurate and complete. '' Under Section 623 of the Fair Credit Reporting Act ( FCRA ), a furnisher is strictly mandated to conduct a reasonable investigation upon receiving a dispute. Merely checking your own internal servicing database does not satisfy this federal standard when you lack the foundational source documentation to prove the debt 's validity, its current ownership, or the exact calculations of the alleged balance. Because you do not possess the original contract, promissory note, or an independent audit trail establishing your legal right to report this financial data, I am demanding the immediate and permanent deletion of this entire tradeline from all credit bureaus ( XXXX XXXX, and XXXX ). If you choose to continue reporting this unsubstantiated, unverified account, you are doing so in willful noncompliance with the FCRA. Take notice that I expect written confirmation of the account deletion request within the legally mandated timeframe, or I will escalate this matter to formal legal action and a formal complaint to the CFPB. Please update this file immediately to reflect that it is actively disputed, and initiate the deletion profile without delay.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I use PayPal to process legitimate online sales. PayPal placed a standard 180-day hold on my personal account, which I fully complied with. After the mandatory 6-month period elapsed, I received an official email from PayPal explicitly stating that my funds ( XXXX ) were eligible for withdrawal. However, when attempting to withdraw the money to my linked bank account, the system generated an error. I contacted customer support multiple times. Initial representatives instructed me to wait XXXX to XXXX hours for a system reset. Subsequent representatives then completely reversed this guidance, claiming the official release email was sent " in error. '' The final representative stated there is a new " unresolved verification requirement '' preventing withdrawal. However, when I explicitly asked what specific documents or steps were required to verify my identity and lift this restriction, the representative refused to provide any information, abruptly ended the chat, and stated the decision was final. PayPal is permanently confiscating my legitimate sales revenue without providing any due process or resolution path, which constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ).

Company response to consumer: Closed with explanation