vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing this complaint due to a complete failure of Bank of America 's customer service systems, which actively prevented me from addressing disputed account fees and requesting a refund. On my recent statements, my XXXX Savings account was charged consecutive {$8.00} Monthly Maintenance Fees ( most recently on XX/XX/year>, and XX/XX/year> ). While my balance did temporarily drop below the {$500.00} daily minimum requirement early in the statement cycle, I deposited {$5000.00} into the account on XX/XX/year>. I sought to contact Bank of America to request a one-time courtesy waiver of these fees, given my account 's current standing, my recent large deposit, and my commitment to maintaining the required minimum balance going forward. However, Bank of America 's digital infrastructure completely blocked my ability to seek assistance : Mobile App Malfunction : When I used the Get assistance with this fee feature in the Bank of America XXXX app, the virtual assistant ( XXXX XXXX got stuck in an endless automated loop. It continuously prompted me with the same menu without ever connecting me to a live agent or a resolution pathway. Website Failure : When I finally prompted the assistant to connect me to a XXXX and also attempted to log in to the XXXX Bank of America website ( secure.bankofamerica.com ) to find an alternative contact method, the site crashed entirely, displaying a blank " Service Unavailable '' error screen. It is an unacceptable and predatory business practice to charge maintenance fees while simultaneously operating a broken technical infrastructure that actively prevents consumers from accessing customer support or disputing those charges.

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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The only thing that portfolio recovery did was added more remarks to my credits report but did not provided the proof that I asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX issued me a " backpay '' check in the amount of {$2900.00}. They sent to the incorrect bank they informed me after the fact. Once Chase sent them the check back they would re- issue a new check to the correct bank and account number i supplied them on XX/XX/XXXX. I then called Chase bank and was informed they re-opened the account THEY closed, cashed the check & issued me a check inthe amount {$2700.00}. Then they closed the account again. They took {$270.00} from the check to cover a negative XXXX balance in which I had already made payment arrangements with XXXX at Chase to pay {$25.00} a month until the balance was XXXX. I receive {$660.00} a month which is well below poverty. For chase bank to take those monies hurt me desperately financially & personally. The {$270.00} was wether or not i would be able to eat a XXXX meal a week instead of only XXXX. That may not mean much to some people but when your only source of income is the {$660.00} that SSI gives you try to make it in somehow pay everyone. I was found 100 % disabled XX/XX/XXXX from Social Security. I am still waiting to be approved financially. I receive No food stamps or any other means of help. The {$2900.00} in back pay was going to help me until my first payment began of {$660.00}. Now Chase bank took money from that. Please look into getting a refund of {$270.00} from XXXX. We can stick to the originally agreed on {$25.00} a month until paid in full. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
HARRIS & HARRIS , LTD claims to be the original creditor. They are not. XXXX is the orignal creditor. XX/XX/XXXX late payment/No payment {$420.00} XX/XX/XXXX late payment {$420.00} Actions taken : I notified XXXX on several phone calls that the account did not belong to me. XXXX stated that I was still responsible. The XXXX account belonged to my

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sunlight Financial LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am an XXXX XXXX United States XXXX. In XX/XX/XXXX, I purchased a home in California and was required to assume a XXXX loan from the seller. The loan was transferred to me at that time. In XX/XX/XXXX, I received PCS orders from the United States XXXX to relocate from California to South Carolina. Due to this mandatory relocation, I am selling my primary residence. I have received an offer from a buyer who intends to assume the existing XXXX loan. However, the lender has refused to process the transfer, stating they no longer allow loan transfers and require the loan to be paid off in full. I respectfully request that the CFPB intervene to ensure the lender follows reasonable assistance guidelines for service members. My realtor and I have already attempted to resolve this directly with the lenders customer service, without success. I have copies of my PCS orders and the original loan assumption contract.

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 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
An assailant from XXXX, XXXX, XXXX or XXXX XXXX keeps closing my accounts. I have a plan for both accounts ending in XXXX and XXXX. I plan on paying {$130.00} for account ending in XXXX. Can he continue the plans so that I can use the three accounts? The calls should get recorded. I already told them I'm dealing with sim hackers, the death of my mother and I do not want to affect my credit score. I plan to keep the three accounts and use them. I do not want any of the accounts closed. He is allowing people to call in and close the accounts. I do not like being attacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: AZ

Complaint narrative:
This company sent me a collection for a electric utility bill for a house I moved out of XXXX years before the date of this account was opened. I have explained this to them numerous times. I even told them when I did live in the house this utility was in my wife 's name, and if they researched her name they would find they final bill was paid XXXX years before this account was opened! They said they couldn't do that?. This is not me account I never opened it and all they have done is email me a bill with my name and dated XXXX years after I XXXX from that residence!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the incorrect information on my credit report regarding an account with XXXX XXXX XXXX, account number XXXX, currently showing a charged-off status with a balance of {$230.00}. This account is inaccurately reported across the three major credit bureaus : XXXX, XXXX, and XXXX. On XX/XX/year>, I initiated a dispute through an automated system contesting the accuracy of the details reported by XXXX XXXX XXXX . Despite my efforts, the information remains uncorrected, adversely affecting my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This erroneous reporting has severely impacted my financial stability, limiting my ability to secure new credit or improve my financial situation. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and timely information reported on my credit profile. XXXX XXXXXXXX XXXX XXXX failure to correct these inaccuracies is a violation of these rights. The continued presence of this incorrect charged-off status is unjust and detrimental to my creditworthiness. I am requesting the complete removal of this erroneous account from my credit reports with XXXX, XXXX, and XXXX. I am eager to resolve this matter swiftly to prevent further damage to my credit standing and to restore my financial opportunities.

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 2026-03-29 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

Complaint narrative:
I am a fully verified user. PayPal is withholding my funds due to an internal 'Profile Linking Error ' confirmed by agent XXXX XXXX XXXX ID : XXXX ). Despite this admission of a technical system glitch, agents XXXX XXXX and XXXX refused to escalate the case to a supervisor for a manual override. Instead, they are forcing an unjustified XXXX wait on verified funds, which is a known stalling tactic. This is an arbitrary obstruction of my legal balance. I demand an immediate manual review, a supervisor override, and the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting a complaint regarding Citibanks closure of my business checking account and the delay in releasing my funds. Citibank closed my account without providing a clear explanation beyond general references to internal policies. While I understand that financial institutions may make account closure decisions, I currently do not have timely access to the remaining funds held in my account. I am not disputing the account closure or requesting reinstatement. I am solely requesting prompt access to and release of my remaining funds. The approximate amount of funds currently being held is {$55000.00}. These funds are associated with legitimate business activity, including payments received from clients and obligations to pay contractors and vendors. The delay in releasing these funds is causing immediate financial hardship and disruption to my business operations. I have contacted Citibank customer service to request assistance and information. Specifically, I requested an explanation for the account closure, a timeline for the release of my funds, and that the funds be released via certified check or wire transfer. However, I have not received a clear explanation or a specific timeline. I am requesting that Citibank promptly release my remaining balance through one of the following methods : Issuance of a certified check available for in-person pickup, or Wire transfer of the funds to a bank account of my choosing I am willing to provide any necessary documentation or verification to facilitate this process. I respectfully request assistance in ensuring that Citibank provides a clear timeline and releases my funds without further delay.

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 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank closed my account at XX/XX/year>, I have {$3000.00} still not received the fund check till now, I tired to call their customer service for many times during the past months, but they just keep giving me the different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I. STATEMENT OF FACTS I am a XXXX professional ( XXXX License # XXXX ). I have used XXXX ( User ID : XXXX XXXXXXXX ) as a primary financial lifeline for years, processing daily transactions essential to my personal life and business operations. In XX/XX/XXXX, XXXX sent a vague warning regarding a potential " terms violation '' but provided no specifics. I continued to use the service in good faith. On Friday, XX/XX/XXXX, XXXX permanently deactivated my account without prior notice, inquiry, or any request for identity verification. II. PROCEDURAL UNFAIRNESS ( UDAAP ) XXXX is a regulated financial institution and has a duty of transparency. By jumping from a non-consequential warning in XXXX to a permanent " XXXX XXXX '' for my account on XX/XX/XXXX, XXXX has : XXXX. Prevented Corrective Action : I was never told what the " violation '' was, denying me any chance to adjust my behavior or provide documentation XXXX. Engaged in Abusive Practices : Severing a primary financial lifeline for a licensed professionalwhile stating " future contact or inquiries will not be answered '' is a bad-faith effort to avoid regulatory error-resolution requirements. XXXX. FORMAL DEMAND FOR RESOLUTION I do not seek a generic explanation. I demand the immediate reinstatement of account XXXX XXXX I request that an Executive Appeals Officer at XXXX XXXX XXXX manually review Request # XXXX, acknowledge the lack of specific guidance provided since XXXX, and restore full functionality immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This has been happening for a while and I have tried to look for the company the fix it but I could not find it the company has been charging me taxi service that I have not been using and I tried to get it fixed with my bank but they can do anything about it. The company is labeled as XXXX XXXX XXXX XXXX category as taxi cabs/ limousines. And no matter what I do I cant find this company to stop these unauthorized payments. I even changed my cards to stop it. Please if u can help me stop these payments from continuing to happen. I am begging you.

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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX GA, XXXX. I am writing to formally dispute a debt collection account reported by LVNV FUNDING LLC, account number XXXX, currently reflecting a balance of {$470.00}. This account is not mine, and I have no knowledge of this debt. On XX/XX/2026, I filed a dispute regarding incorrect details with the credit bureaus, but have yet to receive a satisfactory resolution. The presence of this erroneous account on my credit reports has severely impacted my credit scores, with XXXX XXXX XXXXXXXX XXXX at XXXX, and XXXX XXXX XXXX These low scores have hindered my ability to secure necessary credit for personal and professional purposes. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must verify the validity of a debt before proceeding with collection actions. I have not received any proper validation or documentation from LVNV FUNDING LLC proving that this debt is indeed mine. Additionally, per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate information on my credit reports, and the credit bureaus are required to investigate and correct any errors. The presence of this account on my credit reports is not only inaccurate but also unjustly damaging my financial reputation and limiting my opportunities. Despite my previous efforts to resolve this, LVNV FUNDING LLC continues to report this account without justification. Therefore, I am requesting immediate intervention to address and rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.

Complaint narrative:
I have been using my cash app card for over 2 months in XXXX with no issues at all and dnow all of my attempts to use it are being flagged as suspicious activity and Cash app said it was a false flag for fraud but they are refusing to fix the issues so they have locked my account and froze my funds leaving me without access to my account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, GA, XXXX. I am writing to formally dispute a debt collection attempt by CONSERVE regarding an alleged credit card debt with account number XXXX. They are claiming that I owe a balance of {$5000.00}. However, this debt is not mine. I have no knowledge of this account, nor have I ever incurred such a debt with any creditor. On XX/XX/year>, I filed a dispute regarding incorrect details with the credit reporting agencies. Despite this, the account still appears on my credit reports with XXXX XXXX XXXX XXXX all of which have significantly damaged my credit scorescurrently at XXXX, XXXX, and XXXX, respectively. These scores are impacting my ability to secure housing and employment opportunities, creating undue hardship. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit reports. I have contacted CONSERVE to rectify this matter, but they have failed to provide any documentation proving that this debt belongs to me. As such, their continued attempts to collect this non-existent debt are a violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from unfair debt collection practices. I am requesting that this account be thoroughly investigated and subsequently removed from my credit reports with XXXX XXXX XXXX XXXX The removal of this erroneous entry will help restore my credit standing and alleviate the negative impact on my financial health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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 complaint regarding Bank of Americas handling of a fraud claim on my credit card account. In XX/XX/year>, I discovered multiple unauthorized transactions on my account totaling approximately $ XXXX, including charges at XXXX XXXX WA ) and XXXX XXXX XXXX NY ), in locations I have never visited. Prior to these transactions, my wallet was lost and later returned. I believe the individual who had possession of my wallet used my credit card without my authorization before returning it. I did not make or authorize any of these purchases. I reported the fraud to Bank of America immediately upon discovery and fully cooperated with their investigation. However, my claim was denied on the basis that the card chip was read and/or a PIN was entered. This conclusion fails to consider that my wallet, which contained my credit card, was lost and later returned. During that time, the card was in the possession of an unknown individual, which explains how it could have been used in person without my authorization. Additionally, I have experienced repeated fraudulent activity involving replacement cards that I had not yet received, suggesting a broader security issue with my account. I have since contacted Bank of America again, and they have agreed to reopen my case. However, I am filing this complaint because the initial denial did not properly account for the circumstances of theft and unauthorized use.

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 2026-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I am a former XXXX XXXX student whose federal loans were approved for a group borrower defense discharge by the U.S. Department of Education. I received written notification of my eligibility on XX/XX/XXXX. I immediately contacted my servicer, MOHELA, but they were transitioning online platforms and repeatedly asked me to wait, causing months of delay. When I was finally able to communicate, MOHELA refused to accept the Dept. of Ed. notification as sufficient documentation. I reached out to the U.S. Dept. of Education who advised me to file a separate XXXX XXXX XXXX XXXX ( XXXX ) application. Finally, MOHELA placed my account into administrative forbearance until XXXX. It is unclear if this is due to the XXXX application I filed or a timing coincidence. On XX/XX/XXXX, I received a second written confirmation from the Dept. of Ed. stating that I am not required to make further payments, that my full remaining loan balance will be discharged, and that all payments I previously made will be refunded. As of today, nearly XXXX years after the initial notification, no discharge has been processed. Interest continues to accrue, the loans remain on my credit report, and I have received no further communication from the Dept. of Ed. since XX/XX/XXXX. On XX/XX/XXXX I contacted MOHELA in writing through their account portal requesting confirmation of my account status and whether they have received any discharge instructions from the Dept. of Ed. I am awaiting their response.

Company response to consumer: Untimely response