vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a formal complaint against Bank of America regarding fraudulent charges on a credit card that I never received, never possessed, and never activated. 

On XX/XX/year>, while logged into my Bank of America account to track a credit card listed as in transit, I discovered two unauthorized transactions totaling {$3600.00}. 

XX/XX/year> {$1800.00} XXXX XXXX, XXXX XXXX, NY ( XXXX XXXX  ) XX/XX/year> {$1800.00} XXXX XXXX ( XXXX XXXX  ) I immediately contacted Bank of Americas Fraud Department on XX/XX/year>, and opened a fraud claim. I reported that the card had never been received or activated. I fully cooperated with all investigative requests. 

That same day, I filed an Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX ) and a mail theft report with the XXXX. XXXX XXXX XXXX ( Reference # XXXX ). 

I also filed a police report with the XXXX. The official complaint report number is XXXX. Detectives from the XXXX XXXX contacted Bank of America directly while I was present and obtained transaction details necessary to pursue subpoenas for surveillance footage from XXXX XXXX. 

Despite immediate reporting, multiple official reports, and full cooperation with law enforcement, Bank of America denied my fraud claim without evidence of a meaningful investigation. 

I have personally done extensive investigative work that falls within the banks responsibility. The card was never received, never activated, and the charges are clearly unauthorized. 

I am requesting that Bank of America : Reopen and properly investigate the fraud claim Permanently remove all unauthorized charges totaling {$3600.00} Confirm I have XXXX financial liability Ensure no negative credit reporting occurs Preserve and review all recorded calls from XXXX XXXX XXXX Bank of Americas failure to resolve this matter violates consumer protections under the Fair Credit Billing 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 monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
I switched insurance companies and needed to make a payment to escrow using the refund check from my old Insurance company. 

Per the instructions given on a call I made to RoundPoint in XXXX  XXXX I made the payment on the app as instructed and made that payment direct to my escrow account. This payment was made to escrow on XX/XX/XXXX. 

I noticed in XXXX my payment went up by a few XXXX  dollars so I called on XX/XX/XXXX to make sure everything was done properly and I was told they had no record of my payment even thought I can see the payment in my escrow on the app, I have a confirmation # from round point and I see the money coming out of my bank account and going to Roundpoint. The person instructed me to email servicing help and gave me the address. I asked if I could just email to the rep to ensure it got to where it needed but they said they couldnt do that so I emailed servicing help and received a message back saying they got my message. The next day I received another message saying my case had been escalated but I never heard anything so I responded to that email asking for an update and again got the same response. On XX/XX/XXXX I called to check on the case to where they told me there was no case and that unneeded to send it to cashiering even thought thats not what I was told. They confirmed they still could not see a payment. I asked again if I could just send the email to a manager or a individual person to ensure it got taken care of and again I was told no. Its been over 10 days since I received the email from them saying my case had been escalated when that was not true and is very misleading as we are now a month into my payment being made and still no one has looked at the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX charged me fees for service I did not authorize. I complained to capital one about the charges but they refused to assist. I refused to pay for the illegal charges and capital one began to charge me late fees regarding the transactions. I was able to have XXXX refund the charges on the account. XXXX refunded the fees they charged me. However, I paid off the Capital One Quicksilver card and closed the account. The account now has a negative balance of - {$97.00}. However, there were several late fees associated with this unauthorized transaction. the Fees were for an additional {$90.00}. I have complained to Capital one about the issue but the Customer Services Representatives are unhelpful and quite rude. I don't believe they have a legal basis to enforce the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This complaint is also my official request for debt validation to Credit Collection Services. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Credit Collection Services to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Credit Collection Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
First Citizens Bank, XXXXXXXX XXXX XXXXXXXX Checking account Problem with fees/account management I am filing a complaint regarding First Citizen 's Banks reversal of provisional credit from a fraud claim without advance notice, which directly caused my account to be overdrafted and resulted in financial hardship. I filed a fraud claim for unauthorized debits on my checking account. XXXX XXXX issued a provisional credit totaling XXXX. After XXXX later refunded the merchant, XXXX XXXX reversed the provisional credit by with drawing XXXX and XXXX from my account. 

The bank did not provide me with advance notice of this reversal. My account was unexpectedly overdrafted despite my paycheck being deposited. This occured immediately before a winter storm and left me without access to funds for necessities, including propane, fuel and groceries. 

The bank could only offer me to overdraft my account to obtain the necessary supplies. 
I am asking for a reversal and waiver of overdraft and NSF feed. 
Written communication of when and how First Citizens claims notice of the reversal was provided.

Correctio to ensure my next paycheck is not consumed by the fees related to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
On XX/XX/year> I initiated a balance transfer of {$500.00} from my Wells Fargo credit card to pay a portion of my XXXXXXXX XXXX XXXX  outstanding balance. The amount was added to my Wells Fargo credit card balance but XXXX claimed they never received the money so the amount was never subtracted from my XXXX balance. I have been trying to resolve this since XXXX  XXXX. Each institution is telling me I need to talk to the other. At this date the {$500.00} is still on my Wells Fargo outstanding balance but has not been subtracted from my XXXX balance.

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 2026-01-27 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am disputing {$170.00} of the {$250.00} total charged by XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

The following documentation is attached ( see PDF titled Dispute Documentation ) : Oil service agreement purchased on XX/XX/XXXX, in Texas where a total loss on the car is eligible for a refund of the oil changes not done ( only XXXX used, XXXX is to be refunded ) Proof that on XX/XX/XXXX, I went to the merchant ( XXXX  XXXX ) who said their system was unable to process the refund. The dealership said nothing could be done. 
Car insurances total loss report proving the conditions in the contract ( vehicle is a total loss, contract purchased in Texas ) that would allow for a refund of the unused {$170.00} I have contacted Apple Card 's Goldman Sachs Bank a total of 3 times ( see PDF titled Goldman Sachs Email Responses ). 

During the first time, the dispute was closed on XX/XX/XXXX and an email received saying " Based on available information, we determined that the purchase was provided as described. '' During the second time, the dispute was closed on XX/XX/XXXX and an email received saying " We've reviewed your dispute and any additional information shared. Following this review, the original decision remains because our records indicate you agreed to the merchant 's terms and conditions at the time of purchase and no refund or credit is due. '' I have reopened the dispute on XX/XX/XXXX with the Bank to get more information as to what these terms and conditions are that they are using to deny the refund. The text is clear that a contract purchased in Texas and a car deemed a total loss is eligible for a refund of the unused oil services ( XXXX was unused and should be refunded ). 

Apple Card support said without new documents ; the case is likely to get denied and closed again. However, if the Bank is reading the same contract that I have uploaded to them, there should be no room for ambiguity as to why a partial refund is warranted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Issue : IC Systems is reporting an XXXX XXXX XXXX collection account for {$150.00} that does not belong to me. 
What happened : IC Systems placed a collection on my credit report for an XXXX XXXX XXXX XXXX account XXXX I have never had XXXX XXXX XXXX XXXX service and I do not recognize this debt at all. I contacted IC Systems multiple times to ask for verification or any documents showing this account is mine, but they have never provided anything. 
What I have tried : I have reached out five different times trying to resolve this directly. Each time, I asked for proof or validation, and I still have not received any response or documentation from them.

Why Im filing this complaint : I can not confirm the debt because IC Systems wont provide any information. The account continues to show on my credit report even though I dont believe it belongs to me. Im just trying to get the correct information on my credit report.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received the check for an injury lawsuit. This check was for XXXX. I have all the information from the courts and from the lawsuit showing that this check is obviously valid and a direct payment from the court once I receive the check I decided to open up a separate bank account for this check with Truist bank I open the account online Then I went into the branch location by my house to deposit the check upon depositing the check I was told that there would be a one week hold on the check for verification purposes, which wasnt a problem fast-forward XXXX  days and my check is still being held and I can not access it nor are they able to tell me how long it will be held or the reason it is being held. Ive gone into the multiple branch locations. Ive spoken to multiple managers over the phone and nobody is able to help me the money from the lawsuit is all the money I have so I am basically being asked to wait to access these funds without a specific date on when Ill be able to access my funds. I have to receiving no help and not knowing what to do. Ive decided to file a complaints and hopes of some help and figuring out what to do next.

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 2026-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Solar Servicing LLC and Solar Mosaic LLC for wrongful collection, false delinquency, improper billing, and servicing misconduct on my solar loan account. 

I am enrolled in recurring ACH autopay with XXXX XXXX. My contractual monthly payment is {$220.00}, drafted on the XXXX of each month. 

On XX/XX/XXXX, XXXX XXXX initiated and successfully processed an ACH debit in the amount of {$220.00}, which posted to my XXXX account on XX/XX/XXXX under the descriptor : SOLAR SERVICING XXXX XXXX XXXX XXXX XXXX Despite receiving and processing this payment, Solar Servicing has now sent me multiple automated delinquency and collection notices falsely stating that my payment is missing, demanding {$300.00}, and threatening placement with a third-party collection agency. 

These notices were sent even though : Autopay is active Payment was received on time through their own system The account is not delinquent The account is in active legal dispute The notices include statements such as : We have not yet received your payment Your payment is still missing Payment required to bring your account current is {$300.00} Threats of referral to a third-party collection agency This conduct constitutes : False representation of account status Attempt to collect amounts not owed Knowing misrepresentation after receipt of payment Pattern harassment Improper billing and servicing misconduct In addition, this loan originated from a defective solar installation that : Failed city inspection three times Was performed without permit approval Caused structural roof and rafter damage Created unsafe electrical conditions Never reached substantial completion For which I never signed any completion or acceptance certificate I notified Mosaic in writing on XX/XX/XXXX with photographs documenting : Roof penetrations without flashing Cracked rafters Unsafe overloaded electrical service Failed inspections System non-functional Mosaic never responded and nevertheless activated and continued servicing this loan. 

Despite these facts, Solar Servicing is now falsely declaring delinquency and threatening collections after receiving my payment. 

I am requesting that the CFPB require : 1. Immediate correction of my account status to CURRENT 2. Immediate cessation of all collection and delinquency communications 3. Removal of all improper fees and false past-due balances 4. Written confirmation of the true owner of the loan and lien holder 5. Investigation of wrongful collection practices and servicing misconduct 6. Enforcement action for repeated false delinquency and harassment This is a pattern of knowing misrepresentation and wrongful collection by the servicer after receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I was issued a XXXX stimulus prepaid XXXX  card, which is set to expire this year ( XX/XX/XXXX ). Despite the card being active and having funds ( {$230.00} ), I have faced multiple issues accessing those funds. When I use the XXXX XXXX  website and app, I can see my balance and confirm that my card is active, but there is no option to transfer the funds to my bank account. Additionally, attempts to make purchases with the card fail consistently both in store or online. I am able to see that the last successful charge was made on XX/XX/XXXX. I have also tried using ATMs listed on the XXXX XXXX  website, but the withdrawals fail without providing any balance information and just give me an error notice. Furthermore, I have contacted customer service numerous times through phone call which seems to be the only resource they provide to reach out, but I am left on hold for extended periods, and no one ever answers. Attempts to request a replacement card also end the call without resolution or option to speak to a human instead of their automated recordings. Overall, despite the card being active and having funds, I am unable to access my money, and I am seeking a resolution to retrieve my funds before the card expires.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding Capital Ones late-fee and interest assessment practices on a BJs XXXX XXXX co-branded credit card. 

My statement balance of {$590.00} was due on XX/XX/year>. I mailed payment in full on XX/XX/year>, allowing ample time for delivery prior to the due date. Capital One acknowledged that the payment was received and processed on XX/XX/year>. 

Despite the payment being mailed well in advance, Capital One assessed a {$29.00} late fee and {$13.00} in interest. I was informed that postal transit time and Capital Ones internal holiday processing delays are not considered when determining whether a payment is late, and that responsibility for these delays rests entirely with the customer. 

After multiple calls, Capital One reversed the charges only as a one-time courtesy, while stating that the underlying policy remains unchanged. No consideration was given to my consistent history of on-time payments. 

This account is a BJs XXXX XXXX co-branded credit card ( account ending in XXXX ). I am concerned that Capital Ones policy penalizes customers for delays outside their control and that the use of courtesy credits masks a systemic billing practice. 

I am requesting a formal written response explaining Capital Ones policy regarding mailed payments, processing delays, and late-fee assessments, and whether safeguards exist to prevent this from recurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am filing a complaint regarding missing cash back rewards on my U.S. Bank XXXX XXXX XXXX XXXX XXXX 

I selected and activated the XXXX  % Cash+ category for the applicable quarter. I made XXXX qualifying purchases at XXXX XXXX : - {$810.00} on XX/XX/year> - {$810.00} on XX/XX/year> U.S. Bank has denied the rewards for these transactions, claiming that my 5 % category was activated on XX/XX/year> rather than XX/XX/year>. However, the bank has not provided any system records, timestamps, or documentation to support this claim. 

I contacted U.S. Bank customer service multiple times to resolve the issue. I requested that they investigate the activation timing and the eligibility of my XXXX XXXX transactions, determine why the cash back rewards were not applied, and credit any missing rewards if the transactions were eligible. The bank has not provided a satisfactory resolution.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute and debt validation request to TrueAccord regarding an alleged debt for XXXX XXXX XXXX TrueAccord sent a written confirmation acknowledging my dispute and explicitly stating : 'Cease all collection activities on this account while your dispute is being processed. ' Despite this, i continue to receive demand emails from TrueAccord ( from XXXX XXXX ) demanding to pay different amounts. This is a direct violation of the FDCPA ( 15 U.S.C. 1692g ( b ) ) and the California Rosenthal Act, which require a collector to cease all collection efforts until validation is provided. I am requesting that the CFPB investigate this illegal continued collection activity and ensure the company halts all demands until legal validation is 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