vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a bank account with TD bank on XX/XX/XXXX with the checking bonus offer of {$400.00} if i made qualifying direct deposits within XXXX days. i have done so and have proof in my statements of XXXX payments of direct deposits totaling over {$3000.00}. I spoke to a representative XXXX months after and they confirmed that the direct deposits went through and i qualified for the bonus, however, i must wait XXXX days for the bonus to post. I intially thought that was ridiculous but i waited the XXXX days until XX/XX/year> and i called and asked them where my bonus was as it was still not posted. The representative on the phone said they will reach out to the promotions team and someone from that department will call me in XXXX business day. XXXX days passed and i recieved no call, so i called again and they said there was a note that they tried to reach out with also saying i did not qualify for the bonus because there was no direct deposits. Both statements are false as i never recieved a call, voicemail, or email aswell as i have proof of the direct deposits ( i double checked ). I called once AGAIN and they said they will send another email to the promotions department as they are the only ones that can handle it and there is no direct contact and they will reach out. This whole thing seems shady, i asked for a supervisor and they said thye would reach out. I am also missing a {$50.00} bonus for referring a friend which i did INSIDE the branch, and t that hasn't been paid out either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding significant delays and lack of resolution involving my federal Direct Consolidation Loan application with Aidvantage. My consolidation application was submitted almost XXXX months ago in order to resolve my default status and restore my eligibility for federal student aid so I could enroll in school. Despite this, my application remains unresolved and I have been unable to obtain clear information regarding the status or timeline for completion. My loan is in default with XXXX. they have also said they havent received any information This delay is now preventing me from applying for and enrolling in school, causing educational and financial harm. I am requesting : * Immediate review and escalation of my consolidation application * Clear written communication regarding the status of my application * Expedited processing of the consolidation so my eligibility for federal student aid can be restored without further delay I believe the continued delay and lack of resolution constitute improper servicing practices and failure to process my federal consolidation application within a reasonable timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Klarna AB
State: CA

Complaint narrative:
Reported Fradulent Charge on XX/XX/XXXX and was told payments would be halted to not receive an email. Notification of this purchase did not receive a payment plan notification for this purchase. I reported it and was told I would not be responsible for this purchase and they took out the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, Wells Fargo accepted and cashed a forged check ( # XXXX ) for {$800.00} drawn against my XXXX XXXX checking account without my authorization. I did not authorize this transaction and had no knowledge the check existed. I learned of Wells Fargo 's involvement on XX/XX/year> when XXXX XXXX confirmed in their CFPB complaint response that the check was negotiated at Wells Fargo. The signature on the check was forged. A named suspect has been identified and reported to the XXXX Police Department ( report number XXXX ). Wells Fargo had an obligation under UCC Article 3 and California Commercial Code Section 3403 to verify the authenticity of the check before processing it. By accepting and cashing a forged check, Wells Fargo bears liability for the {$800.00} loss as the depositary bank that introduced the fraudulent item into the payment system. I have filed complaints against XXXX XXXX with the CFPB, OCC, Federal Reserve, and California Attorney General regarding their denial of my fraud claim. Wells Fargo 's role in accepting the forged check is a critical part of this fraud chain.

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 2026-05-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
One main collection tactics are not appreciated and threatening hope to resolve off credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I had opened a checking account with Chase Bank on XX/XX/year>. Account status was in good standing, not in the negative. Actually there was around {$1600.00} in the account when the account got frozen. I added my son as an authorized user on my account on XX/XX/year> using the mobile/online banking system. After I received the debit card in the mail for my son, my account was frozen. I know that my son didn't do anything wrong because he never even had a chance to use his card yet. I didn't find out it was frozen through an app alert or notification email, I found out when I tried to use my personal debit card to make a purchase and it declined. I contacted the bank several times trying to get clarification as to why my card declined, and a specific reason to why my account got frozen to begin with. The only reason I was given was something about my account being flagged which I didn't understand why because I hadn't done anything differently than I already had before and my account was great afterwards. I never received a specific reason as to why. I was never told about the remaining balance that was still in my account at the time. Never received an update over the phone, through email, or usps. Still to this day I don't have any information and I want MY money back that was in my account when they decided to " freeze '' my account. I don't have any paper account statements because I agreed to the paperless thing online and after my account was frozen I was denied access back into my online account. Therefore all I have of the account number is the last 4 digits which is... TOTAL CHECKING ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I wrote XXXX checks from my Bank of America checking account to my contractor : Check # XXXX {$6000.00} Check # XXXX {$3200.00} On XX/XX/XXXX, Bank of America 's fraud department called me. I called back, verified both checks as legitimate, and was kept on the phone for XXXX minutes. I was told the holds were released. On XX/XX/XXXX, the fraud department called me again to re-verify the same checks. The representative told me the holds had NOT been released and would not be until XX/XX/XXXX 9 days after I wrote the checks. She said she had no authority to release the holds and did not know who did. My concerns : XXXX holds are arbitrary. I wrote XXXX other checks to the same contractor # XXXX ( {$5700.00} ) on XX/XX/XXXX and # XXXX ( {$3200.00} ) on XX/XX/XXXX both cleared with no holds and no fraud verification. There is no legitimate fraud indicator that justifies holding only these XXXX checks. -The funds are debited from my account but unavailable to the payee for 9 days. After I verified the checks, Bank of America continues to hold the money. This appears to be the bank earning float on my funds for over a week with no justification which I consider fraudulent. -The verification process is broken. I was told on XX/XX/XXXX the holds were released ; they were not. On XX/XX/XXXX, a second representative admitted she could not release them and did not know who could. -Material damages. I had to send my contractor {$4000.00} via XXXX so he could buy supplies, creating cash flow problems for me. My remodeling is delayed, which impacts other contractors scheduled to follow. My contractor now believes I am unreliable. -Bank of America does not display hold status in the customer-facing transaction view. My online banking shows the checks as deducted, with no indication that the funds are being held. I only learned about the holds because the bank called me and because my contractor told me the deposits were rejected. A bank holding customer funds should, at minimum, disclose that fact to the customer in the account view. This is my money. Bank of America has no right to hold it for 9 days after I have verified that the checks are legitimate. The fact that the funds have been removed from my account but are not available to the payee with no one at the bank able or willing to release them is unacceptable and, in my view, a fraudulent practice.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I'm not able to open an account due to being in XXXX XXXX I'm in need of help with this. Also I'm not sure how this even happened. I know that identity theft occurred due to my personal information being leaked, sold, or XXXX monatery gain.

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 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I disputed a medical collection account with XXXX XXXX and Collection Management Company. The account was marked as verified, however, no proper documentation or method of verification was provided as required under FCRA 611 ( a ) ( 7 ). This account is inaccurate, incomplete, and unverifiable. I requested validation and supporting documentation, including billing records and proof of the collectors authority to collect, but none was provided. The account continues to report despite failure to provide adequate verification. I am requesting : Complete method of verification Full documentation supporting the account Immediate deletion if the account can not be fully verified This matter involves potential violations of the Fair Credit Reporting Act and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I am submitting this complaint against Security Credit regarding an account they are furnishing on my consumer credit report, identified as Account XXXX XXXX, in the amount of {$1200.00}, with the original creditor listed as XXXX XXXX XXXX. I formally dispute this debt and state clearly that I do not owe this alleged obligation. Security Credit appears to be using me as a target in an attempt to collect on a debt that has not been properly validated. This account was placed on my credit report without proper prior notification, which is commonly referred to as debt parking. This practice is deceptive and unfair, as it prevents consumers from exercising their right to dispute or validate the alleged debt before it negatively impacts their credit. Additionally, Security Credit has failed to provide sufficient documentation to validate this alleged debt or to demonstrate that they have the legal right to collect on it. I have not received any documentation showing a complete chain of title, purchase agreement, or a valid bill of sale that identifies this specific account. The amount being reported, {$1200.00}, has not been properly explained or substantiated, raising concerns about the accuracy and completeness of the information being furnished to the consumer reporting agencies. Based on these actions, it appears that Security Credit is attempting to pressure me into payment on a debt I do not owe and that has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
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: M&T BANK CORPORATION
State: GA

Complaint narrative:
My mortgage servicer placed my account into active foreclosure due to an administrative error and a failure to comply with HUD/FHA Loss Mitigation guidelines . Recently, I verbally attested to accept a Trial Payment Plan ( TPP ). However, I was never provided the required written Trial Payment Plan Agreement prior to the XX/XX/XXXX due date. Because this document never arrived, I was not provided the payment instructions, exact amount, or mailing address needed to actually make the payment. When I called on XX/XX/year> to report this missing paperwork, the representative claimed a letter was mailed on XX/XX/year>. I clearly stated that I never received this mail. Instead of correcting the issue and reissuing the required written agreement so I could make my payment, the representative stated it didn't matter if I received it or not. I was then transferred to a Loss Mitigation Supervisor named XXXX. I explained the situation again and requested the trial be restarted so I could receive the paperwork. XXXX sent my file back to the review department, but stated that the active foreclosure would not be paused during this review. Proceeding with foreclosure actions while a loss mitigation error regarding missing documents is under active review is a violation of CFPB guidelines against Dual Tracking.The servicer may point to a note on my account from XX/XX/year> indicating my intent to pay online. I did indeed intend to pay, which demonstrates my good faith. However, when I attempted to follow through, I found that I lacked the necessary written instructions, the exact confirmed trial amount, and the specific payment coupons required for a Trial Period Plan. I was also told by the representative on that date that I would receive the formal terms in the mail. Because that mail never arrived, I was left without the legal terms of the agreement or a confirmed method to ensure the payment was applied correctly to a trial rather than just being sucked into the general delinquency.

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 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Via Certified Mail Jefferson capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Cease and Desist Communication Account Number : XXXX Original Creditor : XXXX XXXX To Whom It May Concern : This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), to request that you cease and desist all communication with me regarding the above-referenced account. You are hereby instructed to stop all forms of contact, including but not limited to : * Phone calls ( home, mobile, or work ) * Text messages * Emails * Letters or mailed correspondence * Contact through third parties Under federal law, you may only contact me further to : 1. Advise that your collection efforts are being terminated, or 2. Notify me of specific legal remedies you intend to pursue. Any additional communication beyond these exceptions will be considered a violation of the FDCPA and may result in complaints filed with the Consumer Financial Protection Bureau and the Federal Trade Commission, as well as potential legal action. Please also be advised that I am keeping records of all communications for documentation purposes. Govern yourself accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
PennyMac has performed multiple " reviews '' on my account but has never once collected data regarding my financial income-to-expense ratio. Under CFPB Regulation X ( 12 CFR 1024.41 ), a servicer must exercise reasonable diligence to evaluate a borrower for all available loss mitigation options. By ignoring my documented $ XXXX emergency rent expense, $ XXXX medical expenses for my childrens medical crisis ( XXXX XXXX XXXX XXXX caused by toxic mold environment of home ) thousands of dollars in additional involuntary inspections and legal fees, and repeatedly denying me based solely on a " job loss '' rule that does not apply to FHA expense-based hardships, PennyMac is failing its duty of reasonable diligence. We have been displaced from our FHA home due to severe construction defects, we have been forced to pay for emergency housing elsewhere, have incurred insured medical expenses, as well as inspection, repair and legal fees causing a involuntary increase in expenses preventing us from being able to pay our mortgage payment. PennyMac is telling us we don't qualify for forbearance unless we loss our job. PennyMac is actively violating FHA Single Family Housing Policy Handbook 4000.1, Section III.A.2, which explicitly states an involuntary " increase in living expenses '' is a standalone qualifying financial hardship that does not require unemployment or a natural disaster. I demand an immediate, true manual review by an executive underwriter who will evaluate my circumstances, review all of the documentation provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an unauthorized electronic fund transfer and the improper storage and use of a debit card issued through my health insurance incentive program. On XXXX XXXX XXXX a charge for XXXX XXXX XXXX XXXX was processed through Google Play using this debit card. This card is intended for restricted, health-related purchases only and was never intended to be used for digital subscriptions or app-based transactions. I did not authorize this payment method to be added to my Google account, nor did I authorize its storage or use for any transactions. I have never used this card for any purchases through Google Play or any mobile applications. Upon reviewing my account, I found that the card appears in my Google payment methods with a status indicating incomplete information and can not be used. Despite this, a successful charge was processed. A payment method that is incomplete and flagged as unusable should not be capable of processing a transaction. Additionally, there is no record of prior failed transactions or billing attempts involving this card, and I did not receive any notification of attempted charges. I routinely receive payment failure notifications from other services, but no such notification was provided in this case. The timing of the transaction is also concerning. The charge occurred within approximately 50 minutes of a deposit being made to this cardbefore I was aware that funds had been added. There was no prior indication that this card was associated with any billing activity. Based on these facts, I am disputing this as an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( Regulation E ). This situation raises concerns regarding : - Unauthorized storage of payment credentials - Lack of consumer authorization for payment method use - Failure of controls preventing transactions on incomplete or unusable payment methods - Lack of notification regarding attempted or completed transactions I am requesting the following resolution : 1. A full refund of the unauthorized transaction 2. Removal of this payment method from all associated systems 3. A complete audit trail showing when and how this payment method was added, including any authorization records 4. A technical explanation of how a payment method marked as incomplete and unusable was able to process a successful charge 5. Confirmation of corrective actions to prevent unauthorized storage and use of payment methods in the future This matter involves the unauthorized use of a financial instrument and requires a formal investigation. I expect a timely and substantive response addressing these concerns. Sincerely, XXXX XXXX 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