vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I initiated a fraud claim XXXX by phone call to Bank of America on XX/XX/XXXX. The claim was initiated for unauthorized charges with a company. Full provisional credit was provided by Bank of America on XX/XX/XXXX - extending their deadline to complete the investigation to XXXX calendar days from receipt of a notice of error. XXXX  days from XX/XX/XXXX is XX/XX/XXXX. Bank of America gave me no updates on my claim, nor did they ask me for any additional information until yesterday, XX/XX/XXXX when I was notified my claim was denied. Bank of America issued me a notice that they'll take back the provisional credit on XX/XX/XXXX. 

Here is the problem. This is a blatant violation of my rights as it is a violation of Regulation XXXX. 

My claim was XXXX  days from receipt of a notice of error. According to Regulation XXXX, As per XXXX ( c ) ( XXXX ) ( XXXX ) ; The applicable time is XXXX  days in place of XXXX  days under paragraph ( c ) ( XXXX ) of this section, for completing an investigation, if a notice of error involves an electronic fund transfer that : ( A ) Was not initiated within a state ; ( B ) Resulted from a point-of-sale debit card transaction ; or ( C ) Occurred within XXXX  days after the first deposit to the account was made. 

NONE of the aforementioned points that allow for a timeline extension from XXXX to XXXX  days are true or apply to my claim, so Bank of America was not allowed XXXX  days to complete the investigation. They were allowed XXXX  days, and denied it after XXXX  days, XXXX days longer than allowed. 


As such, Bank of America 's denial of my claim XXXX is completely illegitimate and they have no right to take back my provisional credit.

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 2026-02-20 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: CO

Complaint narrative:
On XXXX I requested verification and validation and all contracts associated with this acct and haven't received any communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America violates the FDCPA regulation by repeatedly calling me and leaving voicemails from different number when I have mailed a cease contact letter as well as informing them not to contact me. They call 4-5 times a week using different numbers.A cease letter was mailed out in addition to me advising them on XX/XX/XXXX. I have a telephone log of their calls through my provider along with voicemails. They left a voicemail yesterday XX/XX/XXXX and today XX/XX/XXXX. They also continue to send communication via email and have advised them to stop. I am also on the do not call list.

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 2026-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: AL

Complaint narrative:
I closed on a VA XXXX with village capital and investments and was to supposed to be issued an escrow refund check for approximately XXXX dollars back in XXXXIts now XXXX and I still have not received the check.I reached out to village capital on XXXX XX/XX/year> to ask what the problem was and was told by a representative that another check would be mailed within 9 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I found out that 2 of my mother 's credit card accounts were on my credit report as collections and I am just an authorized user - it is ILLEGAL to place on my credit report - this has hindered me from getting a HELOC loan.

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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I discovered six unauthorized withdrawals of {$500.00} each ( total {$2500.00} ) from my XXXX  XXXX XXXX checking account. These transactions were processed through my PayPal account without my authorization.

When I contacted PayPal, it was very clear that my account had been taken over by a fraudster. My account information had been changed and was registered to an unknown phone number that did not belong to me. This was confirmed during my call with PayPal. PayPal restored my account access and corrected the unauthorized changes, allowing me to recover my account. 

I immediately contacted XXXX  XXXX XXXX and stopped further payments. I also filed a dispute with PayPal ( Case ID : XXXX ) on XX/XX/year> for unauthorized transactions. 

During the investigation, my PayPal account was frozen. I was restricted from accessing or selling my cryptocurrency ( XXXX ). Because of this restriction, I was unable to liquidate the crypto holdings to mitigate the unauthorized withdrawals. Since then, the crypto market has declined, causing further financial harm. 

Despite clear evidence of account takeover and unauthorized access, PayPal resolved the dispute in the merchants favor without providing a sufficient explanation or evidence. I strongly disagree with this outcome. I did not authorize these transactions, and the activity occurred during a confirmed account compromise.

I am now being asked to repay funds that were fraudulently withdrawn.I am requesting : 1 ) A full reinvestigation of dispute XXXX XXXX 
2 ) Reversal of the {$2500.00} unauthorized withdrawals.

3 ) Written documentation and evidence used to decide the case in the merchants favor.

4 ) Removal of any negative balance, collection activity, or reporting related to this matter.

I reported these unauthorized electronic transfers promptly and requested compliance with Regulation E ( Electronic Fund Transfer Act ) consumer protection requirements.

I am prepared to provide supporting documentation, including bank statements, dispute confirmation, and communication records.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 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: U.S. BANCORP
State: FL

Complaint narrative:
Booking was made for hotel via US Bank XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( NY ), New York, United States, XXXX Room : 1 king bed-penthouse-balcony-nonsmoking Booking ID XXXX Reference ID XXXX Total cost : XXXX ( XXXX points ) Upon checking in I was told that the booking was never made for penthouse but just a regular king. I called travel center immediately and asked for a refund and was told to accept the room while I await escalation. On call they confirmed the issue is with US Bank 's supplier that provided incorrect room and representative told me that they'll contact me back within 24 hours After 24 hours I never received a response then I called back was told that I'll receive a callback within 7 days and that never arrived. 

XX/XX/XXXX I then contacted the card member service to open a dispute. Rep tells me that they'll contact in 5-7 days XX/XX/XXXX I called again, this time rep says dispute takes 3-4 weeks XX/XX/XXXX I called again, was told that they'll be sending me a notice in mail once they make a decision. 

They never honored any callbacks, and they keep dodging left to right. I repeatedly ask for dispute confirmation email, and I never received 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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MortgagePros, LLC
State: IL

Complaint narrative:
I have been receiving calls and texts from MortgagePros for the past couple weeks for a cash out refinance I didn't submit nor ask for. I have received 3 text messages from XXXX and XXXX, and one call today from XXXX. 

About a month ago, I received a balance letter from my mortgage company and thought maybe it was just a mistake- now this comes up. Clearly this is some sort of fraud and MortgagePros is helping to aide in or facilitate it. The submitter also used/ listed an email address I would have never used for this purpose, which is quite old, and provided false information to you to fraudulently obtain $ XXXX from my mortgage. 

I have filed complaints with the FTC and XXXX, per my mortgage company 's request and placed security holds and freezes on all accounts and credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: CA

Complaint narrative:
Case Reference : XXXX I am submitting this complaint regarding a disputed charge related to a bill-negotiation service provided by XXXX  and the subsequent handling of my dispute by Goldman Sachs ( Apple Card issuer ) . 
XXXX claimed to have negotiated a {$70.00} per month reduction on my XXXX XXXX XXXX XXXX account beginning XX/XX/XXXX, totaling {$840.00} in annual savings. Based on this claim, XXXX charged a service fee of approximately {$330.00}. 
However, my XXXX & XXXX invoices do not reflect any such reduction. My XX/XX/XXXX invoice totaled {$310.00}, and my XX/XX/XXXX invoice totaled {$310.00}. There is no recurring $ XXXX monthly credit, no structural plan adjustment, and no material pricing change consistent with the claimed savings. 
I submitted this documentation to Apple Card Support ( Goldman Sachs ) when disputing the charge. Despite providing invoice evidence demonstrating that no actual savings were applied, the dispute was not resolved in my favor. 
I am requesting that the CFPB investigate : The validity of XXXX savings claim and associated service fee. 
Whether Goldman Sachs conducted a reasonable investigation under the Fair Credit Billing Act when reviewing my dispute.

Reversal of the disputed charge if the savings claim can not be substantiated.

Immediate termination of any future charges, authorizations, or recurring billing by XXXX related to my account. 
I have attached supporting documentation, including XXXX XXXX XXXX invoices and XXXX savings confirmation. 
I respectfully request formal review and corrective action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
tried to get an account and was denied and all i want is to get a traditional account for my funds to go to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: Washington Trust Bank Financial Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX, I received an email containing XXXX tickets to a XXXX de XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX in XXXX XXXX. I immediately contacted my bank, and was told that several other transactions had been blocked, but that I would have to work through the fraud department to resolve and that she would begin a claim for me. 
I had made several other calls to my bank, each time stating that the culprits likely breached my email, as they had my contact information and the tickets were sent to my personal email address. 
The bank states they attempted to send multiple letters, despite me never receiving any. Earlier this week, they rescinded the provisional credit to my account, and refuse to take any further action on the basis that the charge back window has expired. 
After calling today, I was told that, not only was the information I provided and repeated over multiple phone calls to customer support reps never given to the fraud department, but that it was against company policy for employees in the fraud department to contact customers via any means aside from paper mail. 
I am filing this claim not only on the basis that internal failures withing the bank prevented them from processing my claim fairly, but additionally on the note that their policy to only contact me through mail, despite having and confirming my contact information, enabled me to have my funds stolen without recourse.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My account was closed without notice due to an issue with my bank, when reaching out to the company they told me it was an automated system, and they couldn't do anything about it, told me to reapply for the same card and move forward with their business. I did reapply and was denied, this seems unprofessional and discriminatory. When asked about my deposit on the secured card they said they'd try to get a check to me. This whole situation has stunted many plans and will have a negative impact on my credit score as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NV

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NM

Complaint narrative:
I have been through back and forth dilemmas with this institution all day long regarding {$380.00} that I just recieved via payroll check and am trying to use it to feed my family and I. The institution placed a strange hold on my account refusing me access to any of my money. The staff were very nonchelant about lying to me and pushing my buttons acting like im some kind of fool. I feel completely discriminated against as I have a condition. They hung up on me several times, placed me on long holds. The incident took place on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX I requested verification and validation of this acct, as well as a 1099, since its reported as a charge off. The company has failed to provide this info to me

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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a consumer checking account with Citibank and initiated XXXX transfers from my XXXX XXXX account totaling {$79000.00} ( {$5000.00} at XXXXXXXX XXXX and {$74000.00} at XXXXXXXX XXXX ) to fund the new account. 

Within minutes of initiating these transfers, I decided not to proceed with establishing a banking relationship and immediately began contacting Citibank to cancel the transfers and close the checking account. 

Despite multiple phone calls and written notice demanding immediate closure, Citibank has refused to close the account. 

The account has remained open against my express instructions. I have also observed what appears to be overdraft status or account irregularities while I have been actively requesting closure. 

I am concerned that leaving this account open exposes me to : Overdraft fees Returned item fees Negative reporting to consumer reporting agencies such as XXXX  Unwanted processing of funds Future disputes regarding funds I attempted to cancel I made clear and immediate efforts to cancel the account and transfers. The bank has failed to honor my request in a timely manner. 

Consumers should not be forced to escalate to federal regulators in order to close a newly opened checking account they promptly requested to cancel. 

I am filing this complaint because Citibank is refusing to close my checking account after clear and repeated instructions.

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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: MO

Complaint narrative:
Complaint Against Commerce Bank Case # XXXX ATM Deposit Dispute I am submitting this complaint regarding Commerce Banks handling of my ATM deposit dispute under Case # XXXX. 

I am the holder of Bank checking account ending in XXXX ( Account ) and the associated debit card ending in XXXX ( Debit Card ). 

On XX/XX/year>, I attempted to deposit {$500.00} in cash at an ATM located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. The ATM accepted the full {$500.00} but printed a receipt showing a deposit amount of {$0.00}. I immediately contacted Commerce Bank and a dispute was opened the same day. 

Provisional credit was issued on XX/XX/year>. On XX/XX/year>, Commerce Bank issued a final determination stating that {$440.00} was recovered from the ATM and that {$60.00} would be debited from my account. 

I dispute this determination. I deposited {$500.00} in full. The bank has acknowledged that an overage was found in the ATM, confirming that the machine malfunctioned and retained funds. However, I do not agree with the banks conclusion that only {$440.00} was attributable to my transaction. 

I am requesting that the CFPB review whether Commerce Bank conducted a reasonable and thorough investigation as required under Regulation E, including proper ATM reconciliation, electronic journal review, and verification of service provider balancing records. 

I have formally requested from the bank all documentation relied upon in its investigation and have requested a re-investigation. 

I respectfully request assistance to ensure a complete and fair review of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I sent {$150.00} to XXXX on XXXX. I had received an email that day about someone giving away free items to students in need. I was told I was responsible to pay for shipping. The email was sent by my school from someone with the school email, which led for me to believe it was not fraudulent. After I paid the amount through XXXX, I looked up the name of the woman who sent the email and she didnt exist. The name used within the email was also someone I looked up that is linked to scams. I called PNC the same day to request a dispute, but was told I needed to wait until the transaction went through as it was still pending. Two days later, I called back to file the dispute. On XX/XX/XXXX, I received an email from the shipping company for a {$300.00} refundable insurance fee to deliver the pc. At this point, I ignored it and did not send anymore money. On XX/XX/XXXX, I received the letter declining the dispute. I called back and was told the user agreement for XXXX does not allow them to dispute the charge. The original email has dida

Company response to consumer: Closed with explanation