vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OK

Complaint narrative:
account had XXXX balance and i never used it other than make some deposits and earn a bonus payment. On XX/XX/XXXX I called Huntington Bank to cancel the account. They advised they couldn't close a business account over the phone and that I would need to do this at a branch. I have moved and no longer live close to a branch. I called again XX/XX/XXXX and was told they could close the account if I send a written notarized request, which I have done. In the meantime the bank has charged {$120.00} in service fees while the account has sat idle the entire time. 
I want the bank to reverse the {$120.00} service fees because I attempted to close the account through proper channels and they would not allow it. I have closed many such accounts over the phone with other banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On or around early XXXX, a payment for {$740.00} was processed on my Bank of America account without sufficient funds available, causing my account to become negative. Within XXXX days, when my paycheck was deposited, Bank of America absorbed my entire paycheck to offset the negative balance. After this, my account remained overdrafted by approximately {$32.00} ( the original negative balance was {$440.00} ). 

I immediately contacted Bank of America to dispute the {$740.00} transaction, as it is incorrect and currently under investigation. As of XX/XX/XXXX, my paycheck has already been taken to cover the disputed balance, leaving me without access to funds needed for rent, utilities, and basic living expenses. 

Despite repeatedly explaining that this situation is causing serious financial hardship, Bank of America has refused to provide provisional credit, a temporary balance adjustment, or any meaningful assistance while the dispute is pending. I have been repeatedly told that I must wait for the merchant to respond, even though my earned wages have already been withheld and the delay is actively causing financial harm. 

I have been a Bank of America customer for over XXXX years, and I also have overdraft protection, which failed to prevent this situation. I requested escalation and management review, but I was stonewalled and told there is nothing that can be done. 

This process is unreasonably slow, and the refusal to provide temporary relief while holding my paycheck has placed me in an untenable financial position. My bills do not stop, and I should not be forced into further hardship while waiting for access to funds that were already deposited into my account. 

I am requesting that Bank of America : Provide provisional credit or a temporary balance adjustment during the investigation Review the failure of overdraft protection Address the financial harm caused by withholding my paycheck Resolve this matter urgently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear Executive Customer Relations Team, I am writing to formally document and escalate repeated service failures by American Express related to the issuance and delivery of a newly approved premium credit card, which have resulted in prolonged lack of access to the product, excessive time spent resolving American Express processing errors, and insufficient compensation. 

Background and Timeline - XX/XX/year> : I applied for and was approved for the XXXX SkyMiles XXXX American Express Card. 
- XX/XX/year> : The card was in the hands of UPS to be delivered the same day but could not be delivered due to an address error, despite American Express already having my correct address on file, which has been successfully used for my other Amex accounts. 
- XX/XX/year> ( evening ) : A replacement card was issued, with delivery scheduled for XX/XX/year>. 
- I was later informed that there was another address error on this replacement card as well. 
- I was then advised that I must wait XXXX hours before a new card could be reissued with the correct address, and that American Express is not certain it can override the standard 10-day shipping policy again because this would be the second override attempt. 
- Additionally, my email address was also entered incorrectly, despite my correct email already being on file with American Express. 

Important Context - I have been an American Express customer for nearly XXXX years. 
- I currently hold two other Amex accounts ( Amex XXXX and Amex XXXX ), both of which have accurate email and address information on record. 
- I have never paid late and spend a significant amount annually across my existing Amex accounts. 

Time Spent Attempting Resolution - XX/XX/year> ( morning ) : Phone call with an Amex representative - XX/XX/year> ( evening ) : Phone calls from approximately XXXX XXXX XXXX and approximately XXXX XXXX XXXX - XX/XX/year> ( morning ) : Chat support from approximately XXXX XXXX XXXX XXXX XX/XX/year> ( morning ) : Phone call from approximately XXXX XXXX XXXX Despite this extensive effort and repeated American Expressacknowledged errors, I was informed that expedited delivery can not be guaranteed, XXXX XXXX was initially unavailable, and the only compensation offered was XXXX SkyMiles. This level of compensation is not proportionate to : - Multiple American Express processing and fulfillment errors- Complete lack of access to a {$650.00} annual-fee premium product - Ongoing uncertainty around delivery timelines- Significant time, disruption, and stress incurred Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I opened an account with cashapp and have used that for personal transactions for a couple of years. On XX/XX/year>, my account with cashapp tag $ praisess was closed and card deactivated, reason was for gambling. I tried to appeal several times and I got no resolution. 
XXXX of the team members told me to close down the account so I could use my information to open a new account when I did that was also flagged. 

Unfortunately, I had a refund of XXXX from XXXX airlines deposited to the account above on XX/XX/year> and I have been trying to retrieve it. I have appealed through their service rep and I was told I would get a response in XXXX  days the last time I spoke to an agent was XX/XX/year> and I havent gotten fan resolution. This issue has been ongoing since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: MO

Complaint narrative:
Why is there not a section about customer support? I know Im beating a dead horse but I still have gotten no one on the phone. Spent over 30 mins waiting for a supervisor just to spend {$30.00} after I already verified it was me. No one came on the phone. Now back on the phone with them. Its inane to spend this amount of time to access 30 of my own bucks. Sorry I keep complaining. I am not a XXXX. Im just XXXX. Now been on hold 10 mins. So far Ive spent close to an hour today ( makes 2 hours this week ALONE ) on the phone with my bank. Just to get nowhere. Im on the phone with them more than my own family and friends. Its not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NV

Complaint narrative:
My auto loan for a XXXX XXXX XXXX ( VIN : XXXX ) was transferred to a company called Westlake Portfolio without my authorization. I did not approve any switch, assignment, or modification of my loan. Westlake Portfolio has not provided proof of legal assignment, and the original lender is no longer in business. 

What Happened : In XX/XX/XXXX, I discovered that Westlake Portfolio added themselves as the lienholder on my auto loan without my consent. I contacted Westlake Portfolio and first spoke with an agent named XXXX. I was then transferred to a supervisor named XXXX, and we spoke for approximately 25 minutes. 

During this call, XXXX stated and admitted that : My information was sold to Westlake Portfolio The original lender, XXXX XXXX XXXX, is no longer responsible for my loan My account with the original lender is closed I never authorized this transfer. I never signed any documents approving Westlake Portfolio as my lender. Westlake Portfolio has not provided any legal transfer documents, assignment agreements, or proof that they own my loan.

Why This Is a Problem : This appears to be an unauthorized and potentially illegal lienholder change.

Westlake Portfolio is attempting to collect payments without proving legal ownership of the loan.

The original lender is out of business, and Westlake Portfolio can not show a valid transfer chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a complaint against Sofi regarding a dispute handling delay and failure to issue a provisional credit despite documented financial hardship. 
On XX/XX/year>, I opened a dispute for a charge of {$3000.00} that should have only been {$1600.00}. I immediately submitted all requested supporting documents. I was told the dispute was in progress and that a provisional credit would be issued while the investigation continued. 
I disclosed that this situation was affecting my ability to pay rent and that I was at risk of eviction. Sofi acknowledged this hardship and stated they would escalate the matter for a provisional credit. 
During chat support, I was given a specific date that the provisional credit would be issued ( Friday ). After XXXX business days, no provisional credit or communication was provided. I then learned that Sofis representative gave incorrect information and that the date was pushed to Monday.

This delay, misinformation, and lack of communication has directly contributed to my eviction process. I have chat logs, screenshots, and documentation confirming the timeline, hardship disclosures, and Sofis statements.

I am requesting : Immediate resolution of the dispute Immediate issuance of the provisional credit Review of Sofis dispute handling practices Accountability for misleading or incorrect information provided by Sofi Managers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a derogatory account furnished by PROF DEBT on behalf of XXXX XXXX. 

I never resided at XXXX XXXX and never entered into a lease or tenancy at this property. 

Notwithstanding the absence of residency, this account was reported on or about XXXX, during the pendency of federal ADA and Fair Housing Act litigation, where I am a protected individual asserting disability-related rights. 

Furnishing a housing-related debt for a property where I never resided, particularly during active FHA litigation XXXX constitutes retaliation, interference, and inaccurate reporting under : 42 U.S.C. 3617 15 U.S.C. 1681 The furnisher failed to establish lawful tenancy, failed to conduct a reasonable investigation, and caused ongoing credit and financial harm during a federally protected period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: TX

Complaint narrative:
Early in XXXX we discovered fraudulent charges on my Apple Card issued by Goldman Sachs from crownscoincasino.com and modogoldcoins.com that we did not and because of Goldman Sachs promised that we will not be held responsible for charges that we dis not do we reported and at that time they removed the charges but later they reversed the charges and again we call to report fraudulent charges because we did not do those charges. Again Goldman Sachs reversed them. We have done this XXXX times and they continue to claim that the charges are found to legitimate but we have not done those charges and they continue not to help. All we want to resolve this issue and that Goldman Sachs stand by they part of the contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXXXXXX XXXX, I made a legitimate XXXX purchase using my Chase account. While the transaction was still pending, the Chase mobile app allowed me to split the payment into installments without any warning that doing so on a pending transaction could cause the full amount to post again later. 

I proceeded with the split payment in good faith, believing the payment was being handled. The installment plan was later fully paid off, reducing my available balance. 

Several days afterward, Amazons original charge posted in full, causing a second reduction to my account balance and pushing my account negative. Chase representatives state that I was not charged twice, but the net effect on my available balance was equivalent to paying the same transaction twice due to timing and system behavior. 

When I contacted Chase, they acknowledged the transaction was valid but refused to : * Reverse or adjust the installment plan * Provide a temporary credit or hold before a scheduled debit * Escalate the issue to a billing supervisor * Clearly explain why the app permits installment plans on pending transactions without disclosure. 

Chase representatives stated there was no department that could assist, despite this being a billing and balance-impact issue rather than a dispute of the merchant charge. 

Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
I got notified that I owed money for a lease contract out in Texas. Ive never lived there. I live in California. I am disputing the debt account on all my credit reports and disputing it through the debt collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing a complaint against Citibank regarding unauthorized XXXX  and/or XXXX XXXX  XXXX that occurred early XXXX through the end of XXXX and were reported in XXXX. 

These transactions were part of a single account takeover fraud event and involved numerous repetitive charges from the same merchant. Citi issued only a partial reimbursement, despite all transactions during this period being unauthorized. Which I dont see in any statement. They are only saying its happened. 

Citi improperly treated identical fraudulent transactions differently, reimbursing some while denying others ( never reimbursed from the start, they just said they did ). Additional unauthorized charges were moved to or reflected under Citi XXXX, and Citi asserted those balances were separate, despite being derived from the same fraudulent activity. 

Citi also pressured me to make payment on disputed fraudulent charges while the fraud case was open and terminated a call after I asserted my right to withhold payment under the Fair Credit Billing Act. 

I am requesting a formal reconsideration of fraud claims, full reimbursement of all unauthorized Whatnot-related transactions ( including those on Citi XXXX  ) , and confirmation that no payments, fees, interest, or negative credit reporting will occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, I saw a XXXX % cashback promotion through Paypal for purchases through the Paypal website at XXXX XXXX. Due to this great offer, I purchased a TV for {$1900.00}. I have screenshots of the Paypal web browser that show the purchase price and the XXXX % cashback promotion. Before checking out, I read the Paypal terms and conditions as well as their eligibility requirements. None of which posed a problem for the cashback rewards. After the purchase, I called Paypal support to confirm that I was eligible and that the rewards would show up in my account. After looking at the transaction, they confirmed that I would get the rewards. XXXX weeks later, I had no rewards in my account so I called paypal who escalated via email to their benefits center. I provided them with all of the information they asked for, and they said they would look into it. XXXX weeks later, they said the problem was with XXXX XXXX and they would resolve the issue and my rewards would be added to my account. They also mentioned that the problem was affecting many people other than me. A month later, they responded that I was in breach of their terms and conditions and they rejected the rewards. When I asked them what condition I was in breach of, they did not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: 700 Credit Experts
State: MI

Complaint narrative:
700 credit experts was advertising XXXX point increase in 90 days or your money back ads on XXXX. Due to the financial hardship I endured from XXXX.. I reached out in hopes to fast track my credit back to where it once was. 
Within the first 90 days, I saw very incremental increases, which is not what was agreed upon. I attempted to end the service after my 90 day review and they offered a discounted rate for another 90 days if I would allow them to continue to work on it, which I agreed. I paid for one month and before the 2nd payment ( XXXX in total ) I told them I would like to stop/pause payments and I would let them know if/when I would resume payment, which they agreed. In following weeks/months I was harassed numerous times with multiple texts, phone calls, and petty threats. They continued to attempt to withdraw full and partial payments out of my account numerous times. Generally XXXX - XXXX dollars. I had multiple conversations via phone and text that I do not authorize any payment and no longer wish to work with them due to the extremely poor practice and customer service or lack thereof. Eventually the texts and calls stopped but they continued to attempt to withdraw money out of the account for months. I thought it was over with until recently ( months later with no contact or withdraws ) they attempted to take more money out of my account and I just received a letter from a Law Firm stating that I owe {$820.00} but that theyre willing to settle for XXXX. Im not even sure where that number is coming from or how thats somehow being calculated. I am requesting all validation and refuse to pay a debt that I do not owe. They are an awful company that after reading reviews, does this often. They have violated FDCPA laws and are now continuing to harass me and take advantage of consumers in need of credit repair assistance.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am disputing a XXXX delinquency reported by XXXX. In XXXX, I submitted an IDR application via XXXX. Per federal guidelines, XXXX was required to place my account in XXXX XXXX for up to XXXX days while processing this application. XXXX failed to apply this mandatory processing pause and failed to provide mandatory billing disclosures or a Disclosure Statement to a verified contact method. Consequently, they reported a delinquency that should have been a protected forbearance period. I am requesting a retroactive administrative forbearance and an immediate correction/deletion of all negative credit reporting associated with this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts and fraudulent personal information that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief