vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
There are account transfers being made on my accounts, in which I have not made nor authorized. Whom ever is doing this, has been doing this since XXXXXXXX XXXX  XXXX. I have contacted the bank and made several claims. I have had to get over XXXX new debit cards sent out to me since then. I have also had to change my account number since then. This is a huge inconvenience for me. This just happened again to me on XX/XX/XXXX. It was done on both my personal accounts and my business account through Bank of America. I called the bank and have a few claims opened up currently for he fraud activity. I since then have had to cancel my debit cards and order new ones. On XX/XX/XXXX I received a notification on my phone that a debit/hold was placed on my business account for {$250.00}. They have been sending money to zelle on my business account then some how purchasing funds with a gift card, it is strange.They have been adding money to XXXXXXXX XXXX XXXX  and purchasing gift cards. I don't understand how is this possible if I don't have a debit card to place a hold on. When I called the back the representative told me I have to wait until it processes then call back to make a claim. I have been with Bank of America for XXXX  years and this has never happened to me before and I feel like the bank does not care and that it may be someone who works for the bank doing this.

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 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: MN

Complaint narrative:
I am being contacted repeatedly regarding an alleged debt of {$3800.00} that I do not owe. There is no money judgment against me, and the amount being demanded was never awarded by any court. 

The only court case involving this matter was a housing/eviction action in XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ), with a hearing held on XX/XX/year>. 

This eviction case was filed regarding XXXX rent. XXXX rent in the amount of {$2200.00} was paid in full before the court date, and I still appeared at the XX/XX/year> hearing to inform the court and the landlord that payment had already been made. 

Despite this, the landlord and Qualia Collection Services are now attempting to collect {$3800.00}, an amount that : Was never ordered by a court Includes rent after I vacated the unit Is not supported by any judgment or lawful debt determination The company has been calling me repeatedly to collect this disputed amount. I believe this conduct constitutes attempted collection of a debt not owed, misrepresentation of the legal status of the debt, and harassing contact.

Resolution I am requesting : Immediate cessation of all collection activity related to this alleged debt Written confirmation that no balance is owed Assurance that no credit reporting will occur related to this matter Removal of all personal information related to me from all records and databases concerning this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I placed Order # XXXX through XXXX XXXX using my ZIP Buy Now, Pay Later virtual card. The order was fully paid and the installment plan was completed. I returned the merchandise on XX/XX/XXXX, and the merchant ( XXXX XXXX ) issued a refund of {$28.00} on XX/XX/XXXX. The refund amount reflects that my original purchase was combined with a second order from a different merchant to meet ZIPs {$35.00} minimum installment requirement ; only the item I returned from the XXXX order was refunded. 

I contacted ZIP support the day before receiving the refund confirmation, requesting that the refunded amount be returned to my original form of payment, as the installment plan for this order was fully paid. The representative assured me that the refund would be applied correctly. However, later that same day, I received an email from ZIP stating they had received the refund but applied it to a completely different order, # XXXX ( XX/XX/XXXX ), which was still outstanding. 

ZIP claimed over the phone that the merchant applied the refund to the wrong order, but the merchant confirmed that the refund was issued to the ZIP virtual card associated with my XX/XX/XXXX order. ZIP uses the same virtual card for all XXXX XXXX  orders, which I believe caused confusion, but the refunded order and the XX/XX/XXXX order are explicitly different, and I provided screenshots and email correspondence from XXXX XXXX confirming the correct order and refund. 

ZIPs actions violate their own refund policy, which states that refunds issued to the virtual card must be returned to the original form of payment. ZIPs misapplication of my refund, refusal to correct it, and repeated false claims blaming the merchant constitute a clear policy violation and consumer harm. Previous attempts to escalate over the phone were unsuccessful, as I was transferred to a voicemail that does not accept messages, and I have been forced to repeatedly try contacting them via chat without resolution. 

I am requesting that ZIP immediately return the {$28.00} to my original form of payment for XXXX # XXXX, consistent with their refund policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Second Review Request Improper Posting Order & Unfair Overdraft FeeI am submitting a second complaint regarding an overdraft fee that was assessed due to transaction posting order, which does not align with the actual processing timeline of my transfers. 
On XX/XX/year>, Bank of America assessed a {$10.00} overdraft item fee while an XXXX transfer of {$16.00} to XXXX was already in a documented processing status. XXXX XXXXXXXX transaction confirmation clearly shows the transfer was initiated on XX/XX/year>, with an estimated completion date of XX/XX/year>. 
Despite this, Bank of America posted debits and fees before allowing the pending ACH transfer to clear, creating an artificial negative balance and triggering an overdraft fee that would not have occurred if transactions were processed in chronological order. 
The timing evidence shows the withdrawal was already in progress and disclosed to both institutions before the fee was applied. This indicates the overdraft fee was caused by posting order rather than insufficient funds. 
I am requesting a courtesy reversal of the overdraft fee, as the negative balance resulted from processing order and not actual account misuse. 
Please review the attached screenshots showing the ACH processing status and estimated completion date. I respectfully request that this fee be reversed and my account corrected accordingly.

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 2026-01-27 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: AL

Complaint narrative:
I previously filed a CFPB complaint regarding PayPals permanent limitation of my long-standing account. PayPal responded to that complaint, and the case was closed. However, PayPals response failed to identify any specific violation of the User Agreement or any particular transaction that justified permanently ceasing services to me.

In their written response, PayPal stated only that the decision was made due to the recent payment activity on my account and that they were unable to mitigate the risk. No further detail, policy citation, or explanation of what specific activity was considered improper was provided. 

My account had been active for many years and processed numerous legitimate transactions without issue. I was never notified of any policy violation, dispute pattern, prohibited activity, or misuse of the platform prior to this permanent limitation. PayPals explanation references only a vague assessment of risk based on payment activity, without identifying any conduct that violated their User Agreement.

Because PayPal has not identified any specific violation, I am unable to understand what action allegedly justified permanently banning my account, and I have no meaningful way to address or correct the issue. This lack of transparency is the reason for this follow-up complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding a debt collection account that is being reported on my credit report for which I have no knowledge, no recollection, and no contractual relationship. 

I do not recognize this debt, did not authorize it, and have not been provided with documentation establishing that this obligation belongs to me. As such, the reporting of this collection account is inaccurate and unverifiable. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. Reporting a debt that can not be substantiated with proper documentation violates this requirement.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using unfair, deceptive, or misleading practices, including attempting to collect or report debts that have not been properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Netspend Corporation
State: NY

Complaint narrative:
Foreign transaction fees XXXX transfer fees were not disclosed before I open this account

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 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account that was previously deleted from my credit report under a different collector ( THE CBE GROUP INC ). The debt is now being re-reported with a new open date, constituting illegal re-aging and duplicate reporting in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TN

Complaint narrative:
I was incarcerated from XX/XX/XXXX through XX/XX/XXXX I have no knowledge of this debt

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I lost my job and have not had any income. I moved in to my parents home after losing my house. I have been upfront with the loan company about my situation. They call ever day asking me for payment. Now they are showing up at my parents house asking me for payments. I have informed them I start my new job on XX/XX/year>. I feel like Im being harassed they have called family and friends of mine when I dont answer my phone right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection from XXXX XXXX XXXX you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact ou can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: LD Holdings Group, LLC
State: IA

Complaint narrative:
I called Loan Depot as I needed to change my email address and I got nothing but a run around! They would not change it until I provided my home insurance policy number which I did not have readily available. I finally ended up calling my insurance company to get the policy number. I understand the need for verification due to all the hackers now. Since then I have been unable to sign into my account. When I try to call concerning this issue I get a main menu which only basically has XXXX options. I can not sign into my account now even when they send me a verification code. It keeps telling me I have to link my account which it will not do even when I type in my loan number and all information they want. It just keeps telling me if I have a problem to call them and their main menu only will give me information as to do I want to make a payment or last payment made and amount owed on loan. I need to know how much they paid for my home insurance in order to correctly complete my XXXX for my business for my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Had a Synchrony XXXX XXXX card for over 18 years and never had a problem. Synchrony Bank decided to close my account. Even though it's closed I'm still making the on time payments required. This account has never been in default.

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 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX during refinance process, PPH claimed to " send $ XXXX payment to XXXX XXXX '' from my impound account to cover XXXX taxes Note : the loan was paid in full, account closed. This is concerning because it appears they are ignoring all requests XX/XX/year> - per XXXX XXXX tax department, payment was NOT received from PPH. Me ( through the refinance company ) had to pay the {$6200.00} to avoid late payment. I provided proof to PPH of XXXX XXXX 's record and accounting email to support their decision to return PPH their funds ( since the taxes were paid ) XX/XX/XXXX XXXX to date, no refund from PPH mortgage. Through various email & phone called to their " escalation team '' - still no action to refund my {$6200.00}, although they received proof from XXXX XXXX on the overpayment.

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 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an american express high yield savings account after my insurance settlement came in to fix my home after a hurricane. I had to prove who I was to open it, then I had to prove ownership of bank accounts to transfer money into.

In the middle of transferring money to pay my gc, they froze my account -never told me so NOW i can't pay my gc. I called and they say basically they can do what they want until i send in 4 bank statements from all my accounts and even if i close the account, they won't give me my money back until i give them all my statements from other accounts. By the way, I transferred IN the settlement from the same account I am transfering out of. I asked 'what looks like fraud? ' they said 'we don't have to tell you. I asked why 4 statements and from multiple accounts- they said 'we don't have to tell you. XXXX XXXX ( supervisor ) said it would only take 24 hours and to call her. I have made 3 calls and been on hold each time for 2- 3.5 hours and I can't get through. NOW they tell me it could be 3-5 or more business days. I have NO MONEY and checks will bounce. I have been paying bills for two months and proved who i am and that i own all these accounts. HOW CAN A BANK REFUSE TO GIVE YOU YOUR MONEY BACK?? 
i have no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: CO

Complaint narrative:
I have confirmation of the transaction going through after the dispute. Its been a nightmare. I want the funds released to the bank that I have on file with XXXX immediately its been 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Prior to the disputed payment, I made an early payment of approximately {$1700.00}, which satisfied my statement balance. After this payment posted, the Bank of America XXXX XXXX showed that the next payment of {$3000.00} was due on XX/XX/year>, not in XXXX. 

Despite this, on XX/XX/year>, Bank of America processed an electronic payment of {$3000.00} that was not displayed as due in the app at the time. Based on the information provided in the app, I reasonably believed no additional payment was due until XX/XX/XXXX. I therefore requested a reversal of the funds. 

On XX/XX/year>, the bank reversed the credit card payment through a payment adjustment, but did not return the funds to my external checking account. The bank has refused to verify the routing and account number used for the reversal or provide documentation tracing where the funds were sent, placing me at risk of double billing. This constitutes a failure to properly investigate a missing electronic funds transfer. 
I am requesting that the bank formally investigate this matter, confirm where the funds were sent, and provide written documentation. 

I am also requesting that all interest, fees, and negative credit reporting related to this error be waived while the investigation is ongoing.

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 2026-01-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NY

Complaint narrative:
Since XX/XX/year>, XXXX XXXX has refused to process a legitimate refund of {$100.00} from XXXX. I cancelled my XXXX membership immediately after the charge, and XXXX confirmed the refund was issued. However, XXXX XXXX has failed to credit these funds back to my account for nearly a month. 
This is a significant amount of money for me. The lack of resolution and the run-around I have received from customer service has caused me extreme mental distress and frustration. I am demanding that XXXX XXXX immediately locate and credit these funds. Under federal Regulation E, the bank is required to investigate errors and, in many cases, provide provisional credit if the investigation takes longer than 10 business days. I want my money back and a clear explanation for this delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We have car loan through XXXX XXXX, the vehicle was paid off XXXX of XXXX. XX/XX/XXXXXXXX  we were told there was a lien hold on our vehicle when we requested the title to be mailed to us. We paid XXXX  XXXX for the vehicle, but the lien holder is Ally Financial. Ally financial refuses to talk to me, they requested the dealership called them, which the dealership had done, the title has not been electronically released as required per the state of Florida

Company response to consumer: Closed with explanation