vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I deposited {$500.00} in cash at a Bank of America ATM located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. After completing the transaction, I received a physical receipt, which I still have ( both the original and a copy ). However, the {$500.00} was never credited to my account. I promptly contacted Bank of America and provided all requested information, including the ATM location, ATM number, and a copy of the receipt. The first representative instructed me to file a debit card claim, which I did. That claim was later denied. When I followed up, another representative informed me that the claim should have been filed as a credit card claim, not a debit card claim. During that call, a new claim for {$500.00} was submitted under my credit card. However, this claim does not appear in my account, and I have no way to track its status. On XX/XX/XXXX, I was finally able to speak with a supervisor who acknowledged the issue and stated that he would escalate the claim. Despite this, more than three months have passed, and I have still not received my funds or any meaningful update. Most recently, when I called to request a status update and asked to speak with a supervisor, I was disconnected after waiting on hold for an extended period. Throughout this entire process, I have been cooperative and have provided all requested documentation, but Bank of America has failed to resolve the issue. This {$500.00} was a gift from my grandmother to help cover my living expenses as a student at XXXX XXXX. This is a significant amount of money for me, and the lack of resolution after several months is unacceptable. I am requesting that Bank of America thoroughly investigate their claim departments and promptly credit my account for the missing {$500.00}.

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 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
XXXX support gave me a number to call to resolve my bill issue on XX/XX/year>XXXX XXXX XXXX XXXX. The number connected me directly with TSI unknown to me. The man answered the phone and said he was a XXXX representative. After I confirmed my personal information he then disclosed about my credit and i realized that i was not talking to XXXX support. He then saved my information and we ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My Information was apart of a Data Breach with XXXX and my Information was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year>XXXX at XXXX, a cashiers check for {$7500.00} drawn on XXXX XXXX XXXX XXXX was deposited in person at a Bank of America branch by the named payee. No paper deposit slip was used and no hold notice was provided at the time of deposit stating the hold amount, reason, or release date as required by Regulation CC. Under Regulation CC, {$6700.00} of a cashiers check deposited in person by the named payee was required to be available by the next business day, XX/XX/year>. No funds were made available. On XX/XX/year>XXXX the account holder visited the branch in person, spoke directly with the branch manager, disclosed financial hardship including pending bills, and requested early release. The manager escalated the hold via phone call but only moved the release date one day earlier, from XX/XX/XXXX to XX/XX/XXXX, with no explanation provided for why the hold was placed or why the legally required minimum was never released. Additionally, the teller failed to provide any hold disclosure while actively soliciting the account holder to meet with a financial advisor regarding investment products. As a direct result of BofAs failure to release required funds and failure to provide required hold notice, a time-sensitive payment deadline was missed causing direct financial harm including a lost travel booking and inability to pay bills. Violations : failure to provide required hold notice at time of deposit per Regulation CC, and failure to make legally required minimum available by next business day.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
The company has decided to enact an additional {$8.00} on my account, stated that because I have not paid it down enough. This is counterproductive considering the interest rate and annual fees already eat up every single payment. This new fee is on top of and is in high excessiveness considering annual fees and interest at maximum amount already. I have denied them this, and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I learned XXXX plus accounts were opened in my name at US Bank over the course of a year. All online. All using my SSN and a previous address to a home that burned down in a wildfire in XXXX XXXX and had not been my permeate/mailing address for quite sometime. Any amount of due diligence would have revealed that this was fraud. Over the course of a year plus, the fraudsters used these accounts to launder money unbeknownst to me. This created fraudulent tax liability on my SSN that I unknowingly paid to the IRS when my income tax reporting was incorrect resulting additional taxes being paid. US Bank facilitated this fraud by not requiring photo ID or any proof of identification, XXXX accountability. This bank has a history of opening fraudulent accounts internally and should be held accountable for these criminal actions.

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 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Mortgage servicing Escrow account/ Annual escrow analysis I am filing this complaint regarding Carrington Mortgage Services ' failure to provide an updated annual escrow analysis for my mortgage account. My homeowners insurance premium was lowered, and my principal balance has been reduced. These changes affect my escrow requirements and monthly payment amount. I requested that an updated escrow analysis be completed to reflect these changes. I previously spoke with a supervisor named XXXX and was advised that I would receive the updated analysis within 15 days. That timeframe has passed, and I have not received the requested documentation or any status update. Due to the lack of response, I have submitted a formal Notice of Error and Request for Information under RESPA requesting the updated escrow analysis and explanation for the delay. Resolution Requested : Provide a complete and updated annual escrow analysis immediately Apply the reduced homeowners insurance premium to my escrow calculation Confirm that my reduced principal balance has been properly reflected Provide written confirmation of my correct monthly payment amount Correct any errors in my escrow account, if identified This matter remains unresolved despite prior communication with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> my Bank of America XXXX XXXX XXXX was charged {$3900.00} for a XXXX Balance Transfer that I did not make or authorize. I was also charged {$150.00} fee on XX/XX/year> for the balance transfer which I did not make or authorize. I contacted the bank on XX/XX/year> when I was going to pay my credit card bill for XXXX XXXX airline tickets that I did purchase. This is when I saw the XXXX fraudulent charges against my credit card. I immediately called the bank. The bank sent a letter they wrote on XX/XX/year> informing me they would temporarily remove these XXXX charges while they were investigating the fraud. And the bank wrote another letter on XX/XX/year> that stated the claim was closed. The bank never sent any supporting documentation that showed, I, XXXX XXXX, made a balance transfer to XXXX. I have since, locked this credit card account and all other credit card accounts, notified the Social Security Administration on XX/XX/year> of the fraud and they put a " block '' on my social security number, and I paid XXXX for a XXXX year subscription on XX/XX/year>.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclays closed my credit card account ending in XXXX around XX/XX/2026, citing inactivity. I was unaware of this closure until I raised the issue with Barclays on XX/XX/2026, within 60 days of the closure date. Despite multiple representatives stating that a notification prior to closure should have gone out to warn me of impending inactivity-based closure, no such warning or any other notice was ever sent to me by physical mail or email. I did not receive physical mail that the account was closed despite being told that a letter was sent- only a paperless letter is available. After discovering the issue, I opened case number XXXX to resolve the improper closure and lack of any notice and to reopen this account. After calling on XX/XX/XXXX for a XXXX follow-up, I was told that the case was completely misrouted and mishandled. This was an older account that I had maintained and the sudden closure without warning negatively impacted my credit profile significantly. Given the above potential process issues on Barclay 's side regarding this closure, I am asking that Barclay 's reconsideration team reviews this request and, if there are further concerns, allow for a certain time period for reopening.

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-14 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: OH

Complaint narrative:
Made a wire transfer everything was fine. Then the next day account was closed because of missing use if terms. Then I reported it to them and all they can do is saying it was the computer that Closed the account. But after XXXX complaints against the m they still never gave me a true reason. And they dont accept called. I believe that this is a very bad way to run a business. They need to be shut down!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing this complaint against Chime regarding their refusal to properly investigate and resolve a fraudulent transaction on my account. On or about XX/XX/2026 I was the victim of a rental scam. I located a property listing online and communicated with a man whom represented himself as a legitimate landlord/property manager. I was instructed to send payments for an application fee, deposit, and first months rent through Chime. The transactions are as follows : {$70.00} ( application fee ) sent on XX/XX/2026 {$1000.00} ( deposit ) sent on XX/XX/2026 {$1000.00} ( first months rent ) sent on XX/XX/2026. {$300.00} ( XXXX ) sent on XX/XX/2026 The individual used the name XXXX XXXX and had me send money to XXXX XXXX. After sending the funds, I later discovered that this was a scam, and the property was not legitimately being rented to me. I immediately reported the fraud to Chime and requested a dispute for these transactions. However, Chime denied my dispute and has refused to reopen or properly investigate the matter. These transactions were induced under false pretenses and constitute fraud. I did not knowingly authorize a legitimate transactionI was deceived into sending money to a scammer. Chime has failed to : Conduct a reasonable investigation into the fraud Provide sufficient explanation for denying my claim Offer any resolution or protection despite clear evidence of a scam I have supporting documentation, including : Text messages and communication with the scammer Payment confirmations Approval letter and lease documents sent fraudulently I am requesting that Chime : 1. Reopen and conduct a thorough investigation into this fraud claim 2. Reimburse the full amount lost ( {$2400.00} ) 3. Provide a detailed explanation of their findings and decision I am also requesting that this matter be reviewed for compliance with consumer protection laws regarding electronic fund transfers and fraud investigation obligations. This situation has caused significant financial hardship, and I am seeking a fair resolution. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: VA

Complaint narrative:
Sallie Mae calls several times daily to collect payments I am unable to pay due to a custody battle. Today they called my landlord, left a voicemail, she is very upset and wants eliminated as do I. They even called me on XXXX.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST CITIZENS BANCSHARES, INC.
State: ID

Complaint narrative:
This is the second bank account that was opened in my name within the last XXXX weeks. I have not approved or set up any accounts. I reported fraud to both banks that I received information from. I received emails from both companies about the opening of new accounts. That is how I became aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I paid a loan from m & t bank then they refunded money so it was taken out in covid then said they never got paid and charged 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 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I am XXXX on Social security. I took the forbearance in 2020 to help with debt from divorce. I have almost paid it all back. I am behind one payment. I had recent XXXX and trying to pay medical bills and bring my mortgage up to date. It's been very hard, so I've been paying everything out that I can. They keep adding late charges, which is causing more hardship. I just need to be able to repay one payment to get up to date. They offer no help.

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 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Beginning in XX/XX/XXXX, my mortgage servicer ( Shellpoint Mortgage Servicing / Newrez LLC ) began charging a recurring {$30.00} " Property Inspection Disbursement '' fee to my account each month. These charges have been accumulating and no explanation has been provided for what they are or why they are being assessed. I have made multiple attempts to resolve this issue through normal customer service channels. On XX/XX/XXXX, I submitted a written request through the company 's online client portal asking for an explanation of the charges and requesting their removal. As of today, I have received no response to that written request. I have also called customer support XXXX times to address this issue, and none of those calls resulted in a resolution or a clear explanation of the charges. After exhausting these channels, I attempted to escalate the matter by reaching out to company leadership via XXXX. I received no response.The property is occupied and the mortgage is current. I have not been provided with any notice, documentation, or justification for these inspection fees. The charges continue to accumulate each month with no explanation or path to resolution.

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 2026-04-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: IL

Complaint narrative:
On XX/XX/year>, I noticed that my Social Security deposit was not the amount it should have been ; when I contacted XXXX XXXX to question them about what happened to my deposit amount and was told that a merchant XXXX and XXXX had debited charges from my account. I explained to them that I do not have an account with either of these cable companies and would like to know how they are able to debit money from my account before my deposit even hit my account, naturally they could not explain how. The bigger problem is XXXX XXXX does not have Bill Pay or re-occurring payment options, therefore, this should have sent up a red flag, but it did not, they continued to let these merchants commit fraud against my account. I am requesting that XXXX XXXX, be held accountable for their handling of my complaint, as well as refund my money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am filing this complaint against Radius Global Solutions for reporting an unverified and incomplete collection account on my credit report. Radius Global Solutions is reporting a collection account in the amount of {$290.00} ; however, no complete account number or sufficient identifying information has been provided. This makes the account incomplete and raises concerns about its accuracy. I have not been provided with any documentation validating this debt, including the original creditor, account history, or proof that Radius Global Solutions has the legal authority to collect on this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), any information reported must be complete and accurate. Reporting a collection account without proper validation and without complete identifying information is misleading and potentially inaccurate. This account is currently being reported despite being disputed, and without proper validation being provided.

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