vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am currently out of the country and am the sole signer and sole owner of the LLC associated with my business account at Bank of America. The account has been placed under a credits-only freeze, and the bank is requiring that I appear in person to verify my identity. However, I will be away for an extended period and can not do so. I have granted my secretary Power of Attorney, but the bank is refusing to honor it and will not allow her to unfreeze the account. There are substantial funds in the frozen account that both my secretary and I need in order to operate the business. The bank is effectively holding my funds without permission and is providing no alternative solution other than requiring my physical presence, which is not possible at this time. As a result, I am unable to access my own funds.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
All funds withdrawn on XXXX. 
Account was officially closed on XXXX XXXX Refund issued by merchant to closed account in amount of XXXX. 
Tried to unsuccessfully resolve this multiple times via phone, beginning on XXXX. 
They finally began an inquiry on XXXX only after I told them I had all the electronic transaction numbers from the merchant ( XXXX XXXX and XXXX XXXX ). 
On XXXX they finally initiated a claim, which should have been done on XXXX. 
On XXXX they sent letter that this was resolved and closed. They stated that on XXXX the merchant in fact refunded {$140.00} to my account. They closed the claim. My account was closed on XXXX. 
The problem is, it is now XXXX and I have not received the money Wells Fargo owes me. 
When I officially closed the account, they told me over the phone in the closing process that they would no longer accept any deposits electronic or otherwise to the closed account. 

I thought they have 10 days for a resolution. Its been a total of more than 3 months.

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 2026-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: AZ

Complaint narrative:
Selene Finance was our mortgage lender when we first had our HELOC loan in XXXX. It was transferred to another company, In XXXX of XXXX it was transferred back to Selene. We proceeded to make payments in XXXX and XXXX of XXXX. In XXXX of XXXX the loan was transferred again to XXXX XXXX XXXX. They have recently contacted us and have stated that we did not make our XXXX payment. We have proof in our statements that payment was made and cleared our bank on XX/XX/XXXX, XXXX XXXX stated that we had to take it up with Selene. We called Selene and spoke to someone who said her name was XXXX. She said she could pull up no record of our payment and could not access anything since it has already been transferred. She said just to wait and allow " time '' for loan information to " catch up '' with the new lender since we had 60 days and nothing could be reported delinquent during that time. In the meantime the new lender is consistently asking for payment for XXXX which we already made. Selene stated they could not find or pull up anything about our loan for the end of XXXX despite us making a payment in XXXX and XXXX of XXXX. At this point we don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: First Technology Federal Credit Union
State: OR

Complaint narrative:
I disputed unauthorized debit card charges at XXXX. I never shop at XXXX and had possession of my card at all times. I went to the bank and a banker shredded my previous card however never replaced it with a new card. The unauthorized charges are as follows : XX/XX/year> XXXX XXXX # XXXX ( XXXX, XXXX, OR ) : {$250.00} XX/XX/year> XXXX XXXX # XXXX ( XXXX, XXXX, OR ) : {$60.00} First Tech Federal Credit Union denied my claim solely because the transaction was marked chip used, without investigating digital wallet fraud or merchant compromise. I filed a police report XXXX. I also contacted the merchant and they refused to impede stated the police would have to further investigate. 

I filed a police report and provided it to the credit union. Despite this, they refused to credit my account and failed to provide a manager callback after I requested a formal complaint. Spoke with XXXX in disputes and never received a call or email after requesting to appeal and make a formal complaint. 

I am requesting a full reimbursement and documentation of their investigation, including whether the transaction was made via a mobile wallet or tokenized card. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX Unknown charge of {$7.00} appeared on my statement. Chase refused to accept it as a dispute & forced me to cancel my credit card & file it as a fraud claim. On XX/XX/XXXX I called Chase because the invalid charge is on my bill requesting payment. Today I spoke with 1 ) XXXX- told me i had to file a fraud charge again and refused to allow me to place a dispute. He wanted me to have my card cancelled again & fraud process repeated. He refused to tell me status of original investigation. 2 ) XXXX from XXXX. She said Budget said the charges were valid. She refused to provide me proof of Chase investigation nor verbal explanation on phone. No explanation for why the charges reappeared & I must pay for something I'm disputing. When i told XXXX I will file with the USA Government she then said she will issue me a credit of {$7.00}. She refused to provide any written proof & I expressed concern that without proof I may see the charges appear again on my bill. Plus she refused to accept my disputing charge. XXXX ) XXXX from XXXX : i asked to be transferred to a XXXX supervisor. she asked me two questions and I answered her ( what my name is and reason for complaint ) She refused to transfer me to a XXXX supervisor. 4 ) XXXX XXXX XXXX XXXX XXXX Asked her to resolve this problem but she refused & gave untrue responses. a ) she refused to provide documents from merchant. She told untrue statements saying the charges are " parking at airport ''. Then she said " it's for tollroad and bridge ''. then she said the merchant connected me with information so Chase rebilled me. I asked her to clarify what merchant code is. She failed to provide & then put me on hold. Thus far Chase has forced me to file this as a fraud & today per XXXX intended me to repeat the process. Chase within 2 months failed to provide any valid proof to justify this charge so to date I have no idea what I'm being charged for, what date the charge incurred, no proof from merchant provided for charge, no itemization of charge. No sales receipt. Chase is not providing specific details to justify this billing. Chase is intentionally having me pay for something I have not authorize. Please investigate. Also, all employees are contributing to inappropriate actions. I have requested chase not record my voice for recognition but they refuse to comply as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
XXXX flipping APP asks for bank account number and routing number to send money to a debit card then sent the money to the bank instead. I tried to cancel the transaction following XXXX instructions that say the transaction can be cancelled prior to the recipient receiving it as long as it has not been received. And it says transaction could be cancelled within 30 minutes, but I was not able to cancel the transaction.

The APP closes as I am retrieving the banking information and 2nd time, I clicked Debit it still chose the bank option. It closes on the section where it asks for the birthday, and I can never input my birthdate.

It is virtually impossible to reach a live person because the automated system does not give the option and hangs up the call.

The chat reps or bots were making fun of my request to cancel the transaction by sending silly emojis. They refused to allow me to speak with a manager. 

XXXX instructions state the transaction can be canceled within 30 minutes or as long as the recipient had not received the money. I was not able to cancel the transaction to resend to the debit card. It was an urgent situation, and the notice stated the money would not be in the bank for 1-4 days. 

XXXX claimed someone was going to reach out to me and they never have. My latest 2 complaint numbers are XXXX and XXXX. 

XXXX kept arguing saying he see the money was in the bank " today XX/XX/XXXX. I could not convince him that my time was XXXX XX/XX/XXXX. 

As of XXXX XX/XX/XXXX the money has not been received. 
I attempted to file a complaint with their IT department twice. The reps just insist that I never clicked on debit at all. 

In the first complaint 5 months ago, I tried to submit a complaint with the IT department because when I tried to send money to XXXX in XXXX on 31st and XXXX XXXX XXXX kept flipping to XXXX on XXXX in XXXX. 

The reps do not listen or act as though they understand anything I am saying. They argue that that was the location I selected. They argue that I never selected Debit to send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This Collection Agency refuses to give me any proof, of when I actually opened the original creditor in question.


Such as : Proof of the signed and Dated Application.

Proof of when I Authorized to accept the Terms of the XXXX XXXX Account. 

Proof of any of the Goods and Services Bought with this XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In XX/XX/year> my Home Owners Insurance by XXXX XXXX was increased by 150 % to XXXX XXXXXXXX a year. 

Mr. Cooper charger that to my Escrow Account.

Mr. Cooper than switched to another provider for 1/2 that amount.

My account was never credited for the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am reaching out to you directly because I have exhausted all other options in trying to resolve a serious issue with XXXX. I was recently scammed out of {$1500.00} on XXXX  platform, and despite my repeated attempts to secure my account and recover the funds, I have been unable to receive any meaningful assistance from XXXX customer service team. 
When I discovered that unauthorized transactions were being made on XX/XX/year> XXXX ET, I immediately tried to change my password ; however, the app would not allow me to do so. I also attempted to disconnect my linked bank account, but that feature was similarly unresponsive at the time. Throughout this process, I could not reach customer service within the app or locate a phone number to call for urgent help. 

Eventually, I found the customer service number, but it took over 10 minutes to get through the XXXX system before I could speak with an agent. Unfortunately, the representative displayed no urgency or empathy and provided no confirmation that my case would be resolved or that I would be reimbursed. 

Since then, I have been calling XXXX  customer service daily, only to be repeatedly hung up on, spoken to rudely, or given the same scripted response that it will take up to 10 business days. Ten business days is an unreasonable amount of time to leave a customer without {$1500.00}, especially when the incident stemmed from a security breach that XXXX  platform failed to address in real time or put safeguards in place. 

At this point, I have no written assurance or email documentation confirming that XXXX  is investigating or that I will recover my funds. I am requesting a prompt update and intervention to ensure this issue is properly investigated and resolved without further delay. 

Thank you for your attention to this matter. I trust that you take this kind of customer experience seriously and will help expedite a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: CO

Complaint narrative:
I opened and maintained an Axos ONE consumer checking account based on Axos Banks advertised promotional APY, which requires qualifying direct deposits. I consistently maintained a high daily balance ( approximately {$120000.00} combined across Axos accounts ) and received recurring payroll deposits from XXXX, representing personal labor compensation deposited into a consumer account. 

During the applicable statement cycle ( XX/XX/XXXX ), my account received recurring electronic payroll deposits that met the advertised requirements in amount, frequency, and source ( personal payroll/gig income ). 

Axos Bank later denied the promotional APY solely because these payroll deposits were coded as ACH CCD rather than PPD. This determination was made after the deposits were received. 

In a written response dated XX/XX/XXXX, Axos Bank stated that CCD entries are considered business-to-business transactions and that when such deposits reach a personal checking account, it is because the originator used an incorrect ACH code. Axos further stated that although the funds post successfully to the account, they are not considered qualifying direct deposits for promotional purposes.

Axos ONE promotional materials and disclosures do not clearly or conspicuously disclose that eligibility is limited to PPD-coded ACH entries, nor do they state that payroll or gig-platform compensation deposited via CCD is excluded. The ACH SEC code is selected solely by the payer, is not visible or knowable to the consumer, and can not be controlled or corrected by the consumer.

As a result, I was denied the advertised promotional interest based entirely on an undisclosed technical classification determined by a third party, despite meeting the substantive requirements described in Axoss marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a complaint regarding Chase credit card promotional offers that failed to post cash-back rewards despite meeting all stated terms and conditions. 

Over the past several months, I added multiple Chase Offers to my card before completing qualifying transactions. At least two separate transactions ( XXXX XXXX XXXX XXXX XXXX Offer ) did not receive the promised cash-back even though : The offers were properly added before purchase The transactions were made within the valid offer period All merchant and purchase requirements were met No exclusions applied according to the published offer terms I have all my receipts and screenshoted those Chase offers. I have contacted Chase customer service multiple times. Each time I was told the issue was under investigation, but no resolution has been provided after months of follow-ups.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I submitted a formal written dispute to Ally Bank regarding inaccurate late payment reporting and an active repossession order based on false information about vehicle possession and registration. 

Despite receiving my dispute and supporting documentation, Ally Bank continues repossession activity and continues reporting late payments. I was advised by an Ally representative that they can not remove an active repo, even though the dispute is unresolved. 

Ally is relying on unsupported dealer statements rather than documented proof and has failed to conduct a reasonable investigation. The continued reporting and enforcement activity after notice of dispute is causing ongoing harm. 

I am not refusing payment. I am requesting correction of inaccurate reporting, suspension of repossession activity pending investigation, and written confirmation of corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am submitting this complaint regarding the sudden closure of XXXX American Express credit card accounts ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) without a specific explanation. 
Account no. XXXX I have been a cardmember with American Express since XXXX, with a long-standing history of responsible use, no late payments, no fraud, no chargebacks, and no disputes abuse. My annual spending with American Express exceeds {$75000.00}. 
On XX/XX/XXXX, I was notified by email that both accounts were closed. When I contacted American Express, including speaking with a supervisor, I was told only that the closures were made in accordance with the cardmember agreement, and no specific reason or factual basis for the decision was provided. The manager added that no one in American Express can help you. My requests for clarification or reconsideration were declined. 
At the time of closure, both accounts were in good standing with combined limit of over {$75000.00}, with outstanding balances of approximately {$940.00} on the XXXX XXXX card and {$730.00} on the XXXX XXXX card. There were no delinquencies, defaults, or violations communicated to me. 
These accounts are my primary travel and lounge access cards and their closure has caused significant harm, including disruption to my advertisement expense account, travel reservations for me and family, loss of XXXX benefits and XXXX status, potential credit impact, and business and reputational concerns.

Company response to consumer: Closed with explanation