vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint regarding Bank of Americas mishandling of fraud disputes, wrongful account closure, unauthorized account activity, and improper fee practices. I reported unauthorized ACH transactions and fraudulent activity on my account and provided supporting documentation, including police reports. Rather than properly protecting my account and resolving the fraud, Bank of America closed my account while active fraud investigations were still pending. At the time of closure : There were thousands of dollars remaining in my account There were active fraud claims that had not been resolved or paid Since the account closure, Bank of America has failed to : Provide a clear and complete accounting of funds owed to me Confirm the status of each fraud claim Issue payment for either the remaining balance or valid fraud claims Provide a clear timeline for resolution Additionally, Bank of America failed to provide provisional credit in this instance despite having done so in prior fraud situations, and no clear explanation has been given. Beyond the fraud-related issues, Bank of America has engaged in additional improper conduct : The bank has charged excessive and unjustified fees on my accounts during an active fraud situation, compounding financial harm. Bank of America opened an additional account in my name without my authorization, which was not the account I agreed to or signed for. Although the bank later corrected this error, it had already charged over {$300.00} in fees related to this unauthorized account. These actions raise serious concerns regarding : Unauthorized account activity Internal account authorization controls Improper and excessive fee practices Compliance with federal consumer protection laws, including the Electronic Fund Transfer Act Closing a customers account does not eliminate the banks obligation to return funds or resolve fraud claims. This situation has caused significant financial disruption and reflects a broader breakdown in internal controls and customer protections.

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 2026-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
In XXXX of XXXX, I received my annual escrow analysis. The letter stated that I had an escrow shortage and that if I did not make a payment that my monthly mortgage payment would change. I made the escrow shortage payment on XX/XX/XXXX. I went to make a payment on my mortgage payment on XX/XX/XXXX to find that my payment has still changed. I called to find out what happened and was advised that my payment would still change even though that was not disclosed anywhere either on the letter nor was it disclosed upon the initial call when I asked about the escrow shortage amount. I called today on XX/XX/XXXX and ended up with the Mortgage XXXX XXXX XXXX who told me " well there's nothing on the letter stating what your payment amount will change to '' and then proceeded to tell me I had no choice but to pay it.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have money a majority if my banking to another bank due to location reasons- I am in XXXX now and Regions Bank is not available. Unfortunately, I did not change my rent to come out of my new account ( not with Regions ) however since I had opted out of Standard Overdraft Coverage the charge for {$2000.00} should have been returned, incurring an NSF fee. Instead, Regions approved it and allowed the account to be overdrawn by {$1800.00}. They additionally let another {$650.00} to overdraft, making the total overdraft within XXXX hours on XX/XX/year> to {$2400.00}. When I reached out on XX/XX/year> concerned that my account should have declined any overdraft, I received a link to Regions information on overdrafting where it gives XXXX opt out for Standard Overdraft Coverage, which I did when I opened the account. In actuality, and as a standard practice, I never opt in to overdraft protection with banks. Never. I highly doubt I made an exception here, and know that I did not. If what she is saying in the attached screenshots is correct, then as a consumer I would need to opt out when opening my account and then opt out again after it's open. However, if I did not run into this issue I wouldn't have known I was somehow opted in to a part of the " benefit '' that I had wholly opted out of. There is no information regarding the " limits '' described by Regions online banking staff and she can not tell me where to find it.

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Reporting -phishing -fraud? -abuse? From : XXXX XXXX XXXX, Thank you for choosing PayPal! We are pleased to confirm your order placed on Tuesday, XX/XX/. Here are the details of your order : Invoice No : # XXXX Payment Id : XXXX Invoice Date : Tuesday, XX/XX/XXXX Item Ordered : XXXX ( XXXX ) ( XXXX ) Wallet Id : XXXX Total Amount : {$1100.00} Your order will be processed shortly, and you will receive a shipping confirmation once it has been dispatched.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am disputing this account because the company is attempting to collect a debt that has not been properly validated or proven to belong to me. This account is being reported and collected by a third-party debt buyer. I requested full validation of the alleged debt, including documentation showing that my specific account was legally assigned or transferred to this company, the original contract, and complete account-level records. To date, the company has failed to provide : Any documentation proving that I have a contractual obligation with them Any account-level assignment showing my specific account was included in any transfer A complete payment history or itemized breakdown of the alleged balance Sufficient evidence linking me to the debt as reported Additionally, when I previously filed a complaint, the company avoided addressing the dispute and instead improperly classified the matter as potential fraud and stated they could not respond through the CFPB process. This is inaccurate and irrelevant, as I did not file a fraud or identity theft claim. I am disputing the accuracy and validity of the debt. Despite the companys failure to provide proper validation, this account continues to be reported as verified on my credit report. If the company can not provide documentation proving ownership of the debt and my obligation to pay, then they do not have a legal basis to collect or report this account. Without proper validation and proof of assignment, this debt can not be considered verified or enforceable. I am requesting immediate deletion of this account from my credit report or full validation in compliance with applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
In XXXX of XXXX, I started a payment plan with easy pay finance over XXXX dollars. I was advertised I would get a XXXX day free payment plan and a low interest rate. I assumed that the payments I had been making this whole time were going through, but it was primarily into their interest rate payments which ended up being XXXX percent. Every XXXX weeks, this payment would be very similar. After XXXX payments, I called in to pay the full principal left, XXXX dollars, where I was then charged an extra additional XXXX dollars in interest even though I had just done a payment XXXX days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/year> a scammer took control of my self custody Coinbase Wallet account and withdrew all of the funds. This should not be possible because it is a secure wallet that uses biometrics, XXXX and the only way to open the wallet on a different device is with the XXXX word key. The key was never entered digitally or photographed and was only written on paper as a backup and is a secure location and has never been accessed. I have filed with the FBI, FTC and MA Attorney General. Coinbase support referred me to their third party investigators who promptly closed the case and essentially said the money is lost. So I did some on chain research and came up with lots more information. 1- the account was compromised by a smart contract which allows another person to take control of an address simply by interacting with it. This smart contract technology was created by an employee of Coinbase ( I located her information in XXXX ) 2- the thief has not moved my stolen funds yet, but they have previously cashed out other funds from this same address to an exchange called XXXX. I have informed all of the agencies of this XXXX connection and the specific affiliated addresses that have used XXXX previously. I also emailed XXXX legal to inform them. This is time sensitive and I havent heard back yet but Im hoping to have contact with other XXXX promptly to try to preserve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Previously had account and was closed without knowledge as too why

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I Q data is trying to collect over {$9000.00} for an eviction. The judgement is less than {$2000.00}. How are they able to add these ridiculous amounts of money. It's not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have reached out to Amex multiple times about this issue. I was out of the country when a credit card was fraudulently opened under my name. I contacted Amex and they took down my notes and reassured me the case was resolved. A few months later, the case was reopened, I again called them and told them this was a fraud case and the case was resolved in my favor and closed. A few months later, the case was reopened. I explained again and the case was closed and this time I closed my entire Amex account as well as I was dissatisfied with the service provided. I got a call from Amex a few weeks back stating they were starting litigation. I told them now was not a good time to talk and that I would call them back. When I called them back, I was told they had no notes of such a thing happening and they would look into it. They told me the representative I spoke to the other day would call me back when they are back in office. I never got a call back from them. Without any further communication, I now got a collection agency notification and they increased the amount I now " owe '' them. I did not make these charges so why should I have to pay them, and why should my credit score be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Unauthorized debits of {$350.00} were withdrawn from my bank account on XX/XX/XXXX, and again on XX/XX/XXXX. These withdrawals were made without my consent or authorization. During a customer service call on XX/XX/XXXX, I was informed that my actual payment due date is the XXXX of the month, contradicting the date of the XXXX listed on my account. Nelnet was unable to explain the unauthorized withdrawals or stop the payment. I have contacted my financial institution to request a payment stop, but was informed that there is a XXXX percent chance of success. I am unable to accommodate an early payment withdrawal of XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am an active-duty XXXX military XXXX currently stationed in XXXX. I do not have access to XXXX XXXX services from my overseas location. On XX/XX/year>, a charge of {$30.00} appeared on my Platinum Card from XXXX XXXX XXXX, XXXX XXXX, WA XXXX. I did not recognize this charge and did not authorize it. Because I am stationed overseas and can not access XXXX XXXX services, I have no basis on which this charge could be legitimate. I opened a dispute through the American Express app. The dispute was assigned case number XXXX with a stated reason of " transaction not recognized. '' The app indicated the expected resolution date was XX/XX/year>, the same day the dispute was logged, which is the same day I checked the status. The status at that time read " Investigation in progress. '' American Express subsequently closed the dispute without providing me any substantive written explanation, findings, or basis for closure. I received no notification of outcome, no provisional credit, and no opportunity to provide additional supporting documentation before the case was closed. Under Regulation Z and the Fair Credit Billing Act, American Express is required to conduct a reasonable investigation of disputed charges and provide written notice of its findings. Closing a dispute without substantive communication, particularly where the cardholder is an overseas military servicemember with no access to the merchant 's services, fails to meet that standard. I am requesting that American Express reopen dispute XXXX, conduct a proper investigation, issue a provisional credit pending resolution, and provide written findings as required by law. I am also requesting that the CFPB review whether American Express is systematically closing disputes without adequate investigation or required written notice to cardmembers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: Block, Inc.
State: FL

Complaint narrative:
For 24 months, I have been trapped in an automated " hard-stop '' logic loop with Cash App. Every time I attempt to verify my identity by uploading my government-issued ID, the account is instantaneously closed citing a " Violation of Terms of Service. '' As a XXXX XXXX XXXX XXXXr, I have identified this as a clear algorithmic error ; the closure occurs at the exact millisecond of the ID upload, which precludes any human review of account activity or an actual violation of terms. This has persisted across multiple attempts and devices for two years, effectively resulting in systemic algorithmic exclusion from financial services without cause. I have a highly stable, verifiable financial profile, including the active management of various tax-advantaged accounts ( HSA and XXXX ). On XX/XX/year>, I spoke with a representative named XXXX who provided XXXX XXXX XXXX and stated the issue would be routed for a " 10-day review. '' Given the two-year history of this technical failure and the automated nature of the account terminations, I am requesting a manual human override by a compliance officer to whitelist my identity and restore access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
In the first few days of XX/XX/XXXX, my Capital One checking account was frozen by the bank itself. On XX/XX/XXXX, I received an email informing me that the final review of my account had been completed. The email stated that my account activity did not align with typical client usagespecifically citing several transfers received via XXXX that the account would therefore be closed. It further informed me that the frozen funds would be transferred to me within the next two or three business days, or alternatively, that a check would be mailed to me within a maximum of ten business days. I waited for that timeframe to elapse, but upon seeing that nothing had arrived, I called the bank. They informed me that the account closure process was still underway and that I simply needed to wait. Since I knew of friends who had gone through a similar situationwhere the process took a few months before a check was finally mailed to XXXX remained calm. On XX/XX/XXXX, I received an email stating only that " your checking account is closed, '' with absolutely no mention of my money. I waited the appropriate number of business days, but no check arrived. I called again, and they informed me that the check had indeed been sent, offering to reissue it if I wished. I declined, deciding to continue waiting. However, when I called again later, they provided me with entirely different information : they told me that the funds would * not * be returned to me, as they intended to return the money to the individuals who had sent me transfers via XXXX. I spoke with friends whose accounts had been closed due to XXXX usage, and they confirmed that their money had eventually been returned to them after a few months. I called once more in late XX/XX/XXXX ; this time, they told me they would cancel the check that never arrived and mail me a replacement within 10 business days. Again, nothing arrived. When I called yet another time, they simply repeated the exact same information they had given me previously. Capital One does not have a physical branch near my city ; all interactions took place via telephone calls with call centers located outside the country. I consistently received conflicting informationwhether via email or during my phone calls. The total balance held in the account amounts to {$4200.00}, funds which are the fruit of my labor and were earned through legitimate means. I look forward to a positive response from you, as I feel I have been defrauded by this situation. Capital One never provided me with clear information regarding what they intended to do with my money. I would greatly appreciate your assistance, as I am in urgent need of these funds at this time. The case number I was given for this problem is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: IN

Complaint narrative:
Our bank account has charged us an amount that has affected not only our bank account but our credit card account which has now affected our credit. My wife has tried addressing this with our local bank a number of times to no avail. We have yet to receive a proper explanation of the charges. The XXXX that she ( XXXX XXXX ) has tried to acquire and assist in getting this resolved, the bank says it is under review while at the same time, our credit is getting affected. PLEASE HELP! We have spent years maintaining and establishing good credit and we are not getting any answers and assistance from Key Bank in getting this resolved. They are dragging their feet and dont seem to have a clue why this is happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
This is a follow up to my previous CFPB complaint case number XXXX. After filing that complaint my account restriction was lifted. However every time I attempt to transfer my cryptocurrency assets valued at approximately {$65000.00} Coinbase 's automated system triggers a new 48 hour security review requiring me to resubmit identity verification including drivers license and facial recognition photos. I have now completed identity verification three times in 48 hours. Each attempt to send even small amounts triggers a new block and a new 48 hour review period. On my first attempt I tried to send approximately XXXX DOT coins. On my second attempt I tried to send approximately XXXX DOT coins. Both attempts were blocked and triggered new identity reviews. I have been a Coinbase customer for over a year. I have completed every verification request they have made. I am fully verified yet completely unable to transfer my own property. Coinbase keeps confirming my account is open and available to send and then blocking every transaction attempt with a new automated review. This is a pattern of repeated obstruction preventing me from accessing and transferring my own assets. I am requesting immediate federal intervention to force Coinbase to allow me to transfer my assets without triggering additional automated security reviews.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Stop sending me invoices for a matter and cause that has our has nothing to do with whatsoever pls stop trying to get a debt our any other debt, this is not my matter Sincerely, XXXX

Company response to consumer: Closed with explanation