vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NY

Complaint narrative:
I attempted to do a cash advance at an ATM in the amount of XXXX dollars on XX/XX/XXXX but transaction was declined by my bank, XXXX XXXX XXXX This is not the first time this has happened it's happened at least four times in the last year. They deny the transaction then claim that the merchant has a hold placed on your money and refuse to release your funds for at least 8 days. I've asked them to furnish proof that they're not making interest off the money they're withholding as there is no merchant hold on the money and thus no reason for them to be withholding myoney from me but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection and the Truth in the Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/year> I received a new Citibank debit card, which has a totally different number than my checking account, on XX/XX/year> I had to XXXX myself money in order to access my money in my checking account because the new debit still did not work. on XX/XX/year> I called Citibank for the new pin so I can have access to my Social Security check and was told the new debit card was no longer active and that a new card had to be sent out again, I tried to access my checking account funds to XXXX myself money to another bank and at this point could not have access to my own personal checking account funds. a " System Error '' kept tell me it was a system delay to try back later. yet a family member tried logging into their account with no problem. Citibank did not inform me that I would no longer have access to my checking account until my new debt card arrived. I have no paper checks, to write checks to pay bills against my checking account. I don't understand my debt card is for if I don't want to write a check at a store ; I should still have access to my checking account to either XXXX myself money or XXXX money to another family member. why are they discriminating me like this.

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 non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MD

Complaint narrative:
N/a Don't know amount because my phone was stolen Not being able to get into my cash app account but the support by em was

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: OLD NATIONAL BANCORP
State: TN

Complaint narrative:
On XX/XX/XXXX I closed an account - I was informed it was closed. On XX/XX/XXXX a statement was mailed showing there was a balance still in that closed account. And the bank started to charge a service charge of {$20.00}. This closed account always had over XXXX in it- there was never a service charge. I was never informed of this account being reopened - never gave authorization to open the account. There was no reason I had combined accounts with this bank to make it easier for myself as I informed them. I was also finalizing.an EIN account so this closed account went into that new account. I contacted bank was assured account was closed. Went down again in XX/XX/XXXX - asked why this account is still showing open and th bank was charging me {$20.00}. Bank teller assured me she would check with someone and call me back. They never did! So went back again yesterday- she said th account was opened because I acquired interest- told her I never authorized reopening this closed account. I have 6 other active bank accounts there. Asked why someone didnt either contact me directly - since someone has constantly with the EIN account - or even writing a check recently. Told her I want my interest money back since it wasnt authorized- she went to speak to someone in an office came back and said I can only return one using the code XXXX. Asked her why it was unauthorized opening of a closed account. Told her I would file a complaint- and asked for the return of what remaining. She said there is nothing. Last statement received was XX/XX/XXXX with {$12.00} - and a return of {$20.00} should have been at least {$32.00}. The first statement received ) XX/XX/XXXX ) had an interest showing as {$72.00}. With all the incorrect information- not knowing how to process a lot of accounts - I honestly thought this was another error because I had physically closed the account. The closed account of EIN was showing negative amounts - inquiry on that was dont worry about that was just th account closing process. Never experienced anything like this bank- not knowing how to process - answer - incorrectly giving information I just want my interest back- for I always had {$11000.00} in that account - tha amount was {$72.00}

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am an XXXX XXXXXXXX XXXX  with a Chase Bank account. My account was verified for XXXX benefits and I got approved. However, Chase last year started to charge fees for online wire transfers from my account. I have called and raised the issue with chase in more than 5 occasions. Yesterday I spent over an hour on the phone trying to resolve this once for all with Chase to no avail. Hence this action. They made over 14 illegal charges of {$25.00} each. I am seeking a refund and requesting that Chase desist from further illegal charges to my account. Thank you for working for the common man/woman.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature If not. please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On or around XX/XX/year> some one opened two accounts with Santander in my name using my identity. When I received information about the accounts I went to the Branch and notified them that I had not opened any accounts with Santander. additionally the account was overdrawn and I owed them XXXX. They acknowledged the accounts were fraudulent and indicated I owed them nothing. I asked for something in witting memorializing the conversation and was told they could provide nothing in writing as I am not an actual customer. 

I have now been turned over to a collection agency for the funds and Santander is not responding

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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One has a judgement for XXXX against my home. I am trying to sell my home and need a payoff letter to be sent to the title company. I have contacted capital one with my title company on the call starting on XX/XX/XXXX. Capital one referred us to their attorneys office, XXXX XXXX. The attorneys office advised they are no longer are servicing the account referring us back to Capital One. We were bounced back and forth between the attorney and capital one several times. The file was returned to capital one on XX/XX/XXXX. XXXX have XXXX  day turn around which we have passed. Capital one sent file to their investigative team/law department and promised a call within XXXX hours. When we called back we were promised a call back first thing this XXXX XXXX. No call received. When I called them at XXXX PM EST they advised the XXXX was by XXXX PM EST today. Its now XXXX PN with no response and we can not close on my home as scheduled. Every call we have placed tbey refuse to accept payment to have this judgement removed from the title to my home. The buyer has now lost their rate and it will cost me more money to close or they could walk away and I will be financially devastated as there are approximately XXXX dollars of debt/repairs to be paid out of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I had a balance on my heloc and we paid it in full as per the account statement amount, however, after the payment TD bank added an additional {$400.00} to the balance of the loan. This is unacceptable since we pay the balance of the day and TD is charging interest in the future. 

I had a much higher balance with XXXX bank and paid it out with no problem. I have been trying to get a hold of someone in TD bank and I have waited over 1 hr on the phone a couple times with no luck to get someone on the line. TD has terrible phone support. 

Please help me clear this erroneous fee and improve TD banks customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm Inc Never Sent the periodic Date along with the disclosures from section XXXX ( b ). 
I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by the company named in this complaint, Portfolio Recovery. 

The company is reporting an alleged debt to consumer reporting agencies and/or attempting to collect without providing proper validation of the debt. I have disputed this account and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). To date, the company has failed to provide sufficient documentation establishing that I am legally obligated to pay the alleged debt, including proof of ownership and a complete chain of title from the original creditor. 

Despite the debt being disputed, the company has continued to report the account to credit bureaus and/or continued collection activity. Reporting an unverified or disputed debt is misleading and constitutes improper collection practices. 

Additionally, I have requested that the company cease communication regarding this alleged debt. Any continued communication beyond what is legally permitted would constitute further violations of the FDCPA. 

I am requesting that the CFPB require the company to : Immediately cease all collection activity and delete the account from all consumer credit reports if validation can not be produced. 

I am also requesting that the CFPB investigate the companys collection and reporting practices for compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Called twice in two minutes on XX/XX/XXXX. 
Also called twice within two hours on XX/XX/XXXX. Keep calling from random numbers to trick me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My online account was compromised in XXXX with Chase. I followed all advised protocols to correct the issue. 

I thought the issue was resolved but I started to receive debit cards every XXXX weeks. I continued to call chase to be reimbursed the fees I was being charged for cards. I expressed my frustration and concern that this was not me ordering new cards. They continued to tell me not to worry, the issue was resolved. 

It never was, it continued and in XXXX a chase XXXX, shared my account was marked as bi weekly for new cards. He then explained it was placed by a chase XXXX. 

I continued to call and continued to complain with nothing but being told don't worry, its resolved. 

It is now XXXX, and my accounts were emptied through atm withdrawals that I did not do or approve. Now Chase is denying my claims and not giving me clear answers which makes me feel they have something to hide. 

A opened a police report in hopes it will make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX unauthorized XXXX transfers from my Bank of America account totaling {$470.00}. 
The first unauthorized XXXX transfer was in the amount of {$260.00} on XX/XX/year>. 
The second unauthorized XXXX transfer was in the amount of {$200.00} on XX/XX/year>. 
Both transfers were sent to a recipient named XXXX XXXX, a person I do not know, have never done business with, and never authorized to receive funds from my account. The recipient name is unfamiliar and clearly not someone I recognize. 
I reported both transactions as fraud immediately after discovering them. Bank of America denied my fraud claim, stating that the transfers were made from my personal device and that security verification codes were sent. 
During a follow-up call, a Bank of America representative XXXX stated that I am required to prove that I did not authorize the transactions because I am the owner of the device and allegedly have control over it. This statement is legally incorrect. 
Under the XXXX XXXX Transfer Act ( XXXX XXXX. XXXX ) and Regulation XXXX ( XXXX C.F.R. Part XXXX ), the burden of proof is on the financial institutionnot the consumerto demonstrate that a transaction was authorized or that the consumer acted with gross negligence. Ownership of a device or the sending of a security code does not constitute proof of authorization. 
At no time did Bank of America provide evidence that I personally entered any verification code or authorized these XXXX transfers. The bank denied my claim based solely on assumptions related to device ownership, without conducting a reasonable investigation as required by XXXX C.F.R. XXXX. 
I am requesting that the CFPB require Bank of America to comply with Regulation XXXX, conduct a proper investigation, provide evidence of authorization if it exists, and correct this error by reimbursing the unauthorized XXXX transfers totaling {$470.00}.

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 2026-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: IL

Complaint narrative:
On XXXX XXXX I received a LoanCare response letter dated XXXX XXXX. The letter was materially identical to prior correspondence and again claimed XXXX XXXX XXXX XXXX XXXX as owner of the note, referenced Pool XXXX, and included dept collector language in Bold print on back of the letter. It did not address the specific issues raised in my complaints, including conflicting loan numbers abd failure to validate ownership or standing.No new edvince or clarification was provided.

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 2026-02-03 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: CL Holdings LLC
State: KY

Complaint narrative:
XXXX capital keeps reporting duplicate accounts on my name of the same debt and keeps reporting they are open. They keep reporting the same debt, every couple of months. The debt listed is very inaccurate. I have tried to dispute multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2026-02-03 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: NY

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXXr has been report with XXXX different names on my credit report and all where XXXX through bankruptcy .. they are still reporting information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony bank, a notoriously XXXX and criminal bank does not, after XXXX certificate of deposit after another, post the total amount on the maturity dates in my high yield savings 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 2026-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year>, fraud transaction was made for {$3800.00} for a designer clothes company based in NY. I noted to Bank of America that I did not make that purchase and it is fraud. Bank of America gave me a new card and credited back the money. Claim was closed in XXXX and unapproved due to name and shipping address as well as CVV matching. I called to investigate and reopen claim. I am the only person to make transactions. I mainly use credit cards to make transactions. Debit card usage is really only to pay for my credit card bills or make small transactions on the spot. The email that was used for the fraud transaction is not mine. All my transactions are under the same email, mainly my yahoo email, rarely my gmail. The phone number they used beginning with area code XXXX is not mine. The claim got closed and denied again. Had to call the bank to reinvestigate.

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