vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I'm filing another complaint on OpenBank by XXXX for a new issue with transferirngmoney out. I went onto their horrid website over the weekend on Sunday XX/XX/XXXX to try and schedule 2 small transfers of XXXX out. Neither transfer took. I saw some gibberish indicating the transfers would occur on Monday XX/XX/XXXX, but logging back into the website it then showed there was no history of these transfers being scheduled at all, this despite having confirmed them both on the cell phone. That's right, if you use a PC you it appears to me that you still have to have a cellphone to confirm your transfers. Let me state this again : it strikes me that you have to confirm on a cell phone thetransfer youmake on your PC. To make matters worse, the site had arbitrarily scheduled out a weekly transfer I never asked for .. NOT the one-time transfers I wanted to make of which there was and is no record of. They are causing me lots of problems with their incompetence, short hours of operation, and lack of a chat function. In their XX/XX/XXXX response to my prior complaint on another botched transfer they failed to complete, Openbank preposterously stated " our review of this matter found XXXX has no record of XXXX XXXX XXXXXXXX account being added as a transfer recipient on your XXXX XXXX profile '' yet the bank has been making monthlydeposits to my XXXX XXXX XXXX linked account since XX/XX/XXXX. It is simply astonishing that such a patently false statement would be sent to a customer, as well as the XXXX Government by carbon copy, when their own records show multiple transfers to my XXXX XXXX XXXX account. Again, Openbank has made monthly transfers to my XXXX XXXX XXXXXXXX account. This morning, I noticed they showed the account as 'unverified ' despite them making transfers to it for nearly a year. Just look at the dismal reviews Openbank has online for similar transfer issues.I re-verified the account minutes ago. I ask the CFPB to investigate Openbank 's website IT issues.

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 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: HOPE BANCORP, INC.
State: TX

Complaint narrative:
XX/XX/year> : Pulled money out I took out {$480.00} from my account leaving it at {$0.00} balance. XX/XX/year> : Realized about account status I tried to send some money back to my savings account but it didn't go through. I enter my mobile app to check on my account and status shows " Account Closed ''. Waited for following Monday to call and ask details. XX/XX/year> : Customer Service I called ( XXXX ) customer service at XXXX XXXX using the online banking extension. I asked about the details, and I was told that the account was closed on XX/XX/year> same day I pulled out money. I asked if there was a chance to re-open it and I was told there was no chance and no option to re-open the same type of account again since they don't offer it. I was told to open a money market savings account instead. No notification before closing the account was provided to me and no interest was paid during that last month either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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
State: TX

Complaint narrative:
My account was locked for no apparent reason and I need the money in my account to be released

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Midwest Loan Services, Inc.
State: OH

Complaint narrative:
Midwest Loan Services got my XXXX from XXXX XXXX XXXX. My fixed loan raised XXXX monthly. I literally have enough to pay utilities, mortgage, and car and have nothing left. I'm am XXXX single mother of a son with XXXX XXXX. I became XXXX XXXX behind on mortgage due to XXXX causing about XXXX in damages to home. Had to repair plumbing, gas lines, chimney exhaust, furnace, and water tank after paying XXXX for work not completed and damagescaused. Have not paid any bill in XXXX months due to necessary repairs to stay in home. Tried to make partial payment XX/XX/XXXX and was refused. Attempted to make XXXX payment in full and on time to avoid default, mortgage company refused payment and forced me into default. I even offered XXXX to prevent default and was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I authorized a payment of {$64.00} to merchant XXXX via XXXX ( Transaction ID : XXXX ) on XX/XX/year>. The merchant immediately pulled and secured the funds but refused to fulfill the order, demanding highly invasive unredacted financial documents ( bank statements, proof of account ). When I provided the standard XXXX transaction screenshot, the merchant claimed it was insufficient, refused to ship the items, and explicitly stated in writing that they are withholding my funds for up to XXXX days ' due to internal platform procedures. I have opened a dispute with XXXX, but I am filing this to ensure federal oversight of consumer protection laws regarding predatory merchant fund retention and to guarantee the financial institution strictly enforces the reversal of this unauthorized withholding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and request validation of the account, including documentation supporting the amount claimed and proof of your authority to collect. Additionally, pursuant to 15 U.S.C. 1681s-2, I dispute the accuracy and completeness of any information furnished regarding this account. I request a reasonable investigation and correction or deletion of any information that can not be verified. This letter is not an acknowledgment of liability and should not be construed as a promise to pay.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kovo
State: GA

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT REFLECT MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MAINTAINED MY ACCOUNT AS AGREED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT REFLECT MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MAINTAINED MY ACCOUNT AS AGREED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo reduced the credit limit on my credit card account ending in XXXX from {$16000.00} to {$9700.00}. The adverse action notice cited late payments, high balances relative to credit limits, and accounts that had not been open long enough. Wells Fargo approved this account on XX/XX/XXXX with a {$16000.00} credit limit while the same historical credit items cited in the notice were already present on my credit report. Since opening the account, I have not incurred any new late payments with Wells Fargo or any other creditor. The XXXX newer accounts referenced by Wells Fargo XXXX XXXXXXXX XXXX and XXXX XXXX were opened for travel rewards purposes and now carry XXXX balances. I later learned that XXXX XXXX requested removal of a delinquency previously reported for XX/XX/XXXX after a disputed charge was resolved. Wells Fargo 's decision was based on an Experian report dated XX/XX/XXXX. I am requesting that Wells Fargo conduct a new review using current and corrected credit information and reconsider the reduction of my credit limit, including restoration of my previous {$16000.00} credit limit.

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 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I applied for a XXXX XXXX XXXX LOAN through bread payments. I was approved for a generous amount. It said I would be able to use my virtual card for 6 months after my first purchase. I made my first purchase on XX/XX/XXXX using my virtual card. This was for carpet and floor installation. I only made a partial payment to home depot because my carpet has not been installed yet. My carpet is getting installed on XX/XX/XXXX, and I have to pay home depot again by then. I got a new phone, and tried to activate the virtual card on my new phone. I have not been able to activate the virtual card on my phone or access the card details except the card number where it shows only used for returns. I have called bread a rediculous amount of times on friday, probably more than XXXX, and noone has resolved my issue. I also need to make a purchase to home depot for a closet project I am doing. This purchase is due XX/XX/XXXX. Everytime I try to access my virtual card to add to my wallet, it says additional information is required and to call. I call and they tell me everything is good. I want this issue fixed XXXX! I will be contacting news outlets if it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Computer Systems, Inc.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-06-08 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:
Bank of America allowed 5 transactions to go through my checking account without my Knowledge. It was approximately {$2500.00}

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 2026-06-08 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: Chime Financial Inc
State: CA

Complaint narrative:
The chime company is not given back the money that was taken from me.. I find it very unprofessional that my disputes got denied. I have called multiple times regarding this matter and it is causing financial hardship for me some one has been taking my money and using it with then this is the first time that I have filed a dispute for chime and I have gotten denied I am filing this complaint because I don't understand why I was a victim of this and I want my money to be reimbursed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
b'Documents were sent via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX received XXXX. Currently, I have not received any updates regarding the status of this dispute.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: PA

Complaint narrative:
Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and request validation of the account, including documentation supporting the amount claimed and proof of your authority to collect. Additionally, pursuant to 15 U.S.C. 1681s-2, I dispute the accuracy and completeness of any information furnished regarding this account. I request a reasonable investigation and correction or deletion of any information that can not be verified. This letter is not an acknowledgment of liability and should not be construed as a promise to pay.

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I contacted Truist on XX/XX/year> about lowering my auto loan payments as we can't afford them. After filling out all the information the only option they gave was deferments of payments for XXXX, XXXX, or 3 months. Obviously this isn't going to work as we don't have the money. Then in my explanation I stated " we should have never been giving the loan in the first place, I feel that it is a predatory loan. '' After that the site had " technical difficulties " and I was logged out. I never received any answers on how to lower my payments or how to get out of the 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 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT

Complaint narrative:
I am filing this complaint regarding my mortgage servicers failure to issue a refund of a confirmed escrow surplus. Following the annual escrow analysis, the servicer determined that my escrow account contained a surplus and that a refund was owed. Despite repeated requests and follow-up communications, the servicer has failed to provide the refund or a satisfactory explanation for the delay. I have attempted to resolve this matter directly with the company, but I have been unable to obtain the funds that are rightfully owed. The escrow surplus belongs to me and should have been returned promptly after the analysis was completed. The servicer has either delayed issuing the refund, failed to send the refund as represented, or failed to provide clear information regarding the status of the refund. This has caused unnecessary inconvenience and concern.

Company response to consumer: Closed with explanation