vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
My credit card was being reissue due to fraudulent charges ; my timeshare fee end up not getting paid for XXXX, XXXX and may without my realization for a total of $ XXXX {$1000.00} XXXX the club time share was never leaving me a message that my payment was delinguent. By XX/XX/XXXX ; worldmark transfer my debt to pinnacle debt collector. I just found out today XX/XX/XXXX that XXXX debt collector will add 33 % on top of my total debt within 1 month of receiving the transfer debt. I ask if XXXX will be able to reduce their fee he said yes for XXXX dollar. I asked if he could give me a better rate because pinnacle just receive this acct XX/XX/XXXX ; he rejected my request. I do need CFPB to help me ; I felt being a victim of financial abuse by this debt collector due to my mistake to not check on my credit card situation and desperately needs advice from CFPB how to handle this debt collector that has so much power over me ; because they know i can not use my time share due to this problem. I was wondering if California put a limit to how much debt collector can charge per month or per year. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 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: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I was trying to open an account with XXXXXXXX XXXX XXXX and am guessing they ran this ChexSystems and denied me because theres something in the ChexSystems I may need to fix or 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 explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding * * Bank of America * * s refusal to investigate and correct what appears to be a duplicate presentment / duplicate payment error involving my checking account. The issue involves Check # XXXX in the amount of {$200.00}, which appears to have been processed and paid twice : * First transaction : XX/XX/XXXX check was mobile deposited * Second transaction : XX/XX/XXXX the same check was later cashed/deposited again This resulted in the same {$200.00} check being honored twice. I contacted Bank of America to dispute this matter. Their response was that they would not investigate or assist because the original transaction was too old ( more than XXXX years ago ). My concern is that this is not a routine transaction dispute ; it is a duplicate presentment / bank processing error, where the same negotiable instrument appears to have been paid twice. I believe this warrants review regardless of the age of the original transaction, particularly because the second payment occurred on XX/XX/XXXX, which is much more recent. B of A says too much time passed, but they let someone cash this check by mobile deposit and then 2 years later they let the same person deposit the check. I am requesting that Bank of America : 1. Conduct a full investigation into the duplicate payment of Check # XXXX ; XXXX. Provide copies/images of both transactions showing how the same check was processed twice ; XXXX. Reverse and reimburse the duplicate {$200.00} charge if confirmed ; XXXX. Provide a written explanation of why the same check was permitted to clear twice. I can provide the check images and all the prior communications with the B of A branch and customer service phone logs since XX/XX/XXXX regarding this dispute. I respectfully request regulatory assistance in requiring Bank of America to properly investigate and resolve this matter.

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 2026-05-27 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I can't believe we are here again, but here we are. U.S. Bank appears to be having systemic failures to honor the terms of their promotions. Despite me opening the case and them promising the XXXX points for doing insurance transactions would be paid, it was not. As well, we are now overdue for their subsequent promotion ( utilities ) to pay its XXXX points. Please deposit the XXXX points in my balance.

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 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I got married last year and have legally changed my name. Since then I have changed my name on all of my various accounts. Only with Marcus Goldman Sachs has this been made exceedingly difficult. I need to access my money in my savings account and am unable to due to my name not matching on my Marcus account to all my other accounts. I initially reached out in XXXX and asked a representative how to submit my documentation. Unlike all other banks, they required I mail in documentation. They specifically stated to mail my marriage certificate along with a cover letter stating my account number, name on my account, and what my new name is. I did exactly this on XX/XX/XXXX and received an email on XX/XX/XXXX stating I needed to call them. When I called, the representative did not know how to help me and several times had to go ask. After offering several solutions, I finally was able to get them to agree that I could resend my marriage certificate and cover letter along with a scan of my driver 's license and that would work. The fact that this process is so difficult and not at all standardized shows an utter disrespect for women who are commonly required to change their name for marriage. There is an utter lack of organization that has left me unable to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I am submitting this complaint regarding PNC Banks handling of a disputed debit card transaction involving merchandise that was never delivered to me and PNCs refusal to provide provisional credit while significantly delaying resolution of the matter. On XX/XX/year>, I used my PNC debit card to purchase a bracelet from XXXX XXXX in the amount of {$1300.00}. The bracelet was never delivered to me, and I have not received either the merchandise or a refund. After discovering the item had not been delivered, I attempted in good faith to resolve the matter directly with the merchant by requesting either a replacement bracelet or a refund. XXXX XXXX refused my request and stated that delivery was completed because a XXXX signature requirement had allegedly been waived. However, I dispute this claim, as I never authorized or waived any signature requirement for delivery. Following the failed attempt to resolve the issue with the merchant, I promptly contacted PNC Bank and filed a dispute concerning the transaction. Since filing the dispute, I have fully cooperated with PNC and made repeated efforts to help resolve the matter. I have called PNC multiple times, sent emails, and responded in writing via email to requests made by the bank. Despite my cooperation and repeated follow-up efforts, PNC continues to delay resolution and has refused to issue provisional credit while the dispute remains unresolved. I am extremely concerned by the handling of this matter. I acted promptly, attempted to resolve the dispute directly with the merchant, and fully cooperated with PNCs investigation. Nevertheless, I remain financially responsible for a {$1300.00} charge for merchandise that I never received and for which I dispute the claimed delivery circumstances. I respectfully request that this matter be investigated and that PNC Banks handling of this debit card dispute, including its compliance with applicable consumer protection requirements related to dispute investigations and provisional credit, be reviewed. I also request a prompt resolution and a written explanation regarding the delay in resolving this matter and the refusal to provide provisional credit. I am prepared to provide supporting documentation, including proof of purchase, communications with XXXX XXXX, emails with PNC Bank, dispute correspondence, and any shipping or delivery information related to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One for auto-servicing negligence and a wrongful repossession that violated the peace. I am currently on XXXX and my local Congressman issued a 'Dire Need " hardship letter on my behalf, which Capital One refused to accept. The dealership committed down payment fraud by forcing me to lie about the transaction to bypass paperwork, packed hidden GAP/warranty fees into my loan, and withheld my contracts. I called Capital One twice to formally dispute these charges and request my contracts. Capital One 's agents failed to log my first request, refused to escalate the dealer fraud to their compliance team, and actively blocked my online portal access. While withholding my contract terms, Capital One repossessed the vehicle by breaching the peaceentering a locked, gated underground private residential garage without permission. Capital One is now damaging my credit while ignoring my active fraud disputes. I demand a full audit of my phone logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is a direct and final escalation of my previous notices. Your continued refusal to provide a lawful, transparent, and verifiable explanation of your actions is not only unacceptableit is a blatant violation of federal compliance requirements and consumer protection statutes. You have failed to justify the collection, retention, or reporting of ANY data associated with my name. Your silence and lack of cooperation constitute willful negligence and knowing non-compliance. Let me reiterate with absolute clarity : I am demanding immediate, unconditional deletion of every data point, file, notation, internal record, audit log, or reported item that you can not substantiate with physical, fully compliant, legally admissible documentation. No assumptions, no automated entries, no unverifiable dataonly proof. Any record lacking full legal validation must be removed without delay.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing a complaint regarding my Wells Fargo card/account, which has been revoked and shows I am not eligible for a replacement card until XX/XX/2027. In the past few months, my card experienced fraudulent activity, which I either reported or identified and brought to attention. Following this, my card access was restricted without a clear explanation of my current account status or the reason for this long-term restriction. I have contacted customer service and spent several hours being transferred between multiple representatives and departments. I repeatedly received the same information without any clear resolution or access to a department that could fully explain or resolve the issue. I was not provided with a clear final answer or written explanation regarding my account status or the reason for the restriction. I am requesting : * A clear explanation of why my card access has been revoked until XX/XX/2027 * Confirmation of whether my account is still open, restricted, or closed * Details on how the fraudulent activity was investigated and resolved * Access to a department with authority to review and resolve this issue * A written explanation of the decision and restriction * Assistance in accessing my funds or receiving a replacement card if my account is still active * Clarification on whether this restriction can be reviewed or appealed This situation has significantly impacted my ability to access and manage my funds. I am requesting a formal review and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am filing this complaint to escalate my ongoing dispute with Carrington Mortgage Services. Carrington claims to have servicing authority on my mortgage, but this assertion is flawed for several reasons. First, I have already sent Carrington a formal Notice of Dispute, along with a recorded county document ( BPA ) that reflects the ongoing litigation. Despite this, Carrington relies on assignments that were created after XXXX XXXX allegedly transferred the loan. These post-litigation assignments can not establish retroactive authority. In other words, Carrington is asserting control based on documents created after the fact, which does not resolve the core standing issues in dispute. I need Carrington to respond comprehensively. I demand that they provide a complete chain of title, starting from the original lender, showing exactly how they claim authority. They need to explain how they can act while litigation and appeal remain pending. Additionally, they must address my prior dispute and the XXXX, and clarify why they are acting on a contested assignment. If Carrington fails to provide a thorough, documented response addressing these specific concerns, I will consider their conduct part of a pattern of evasive or incomplete servicing practices. I expect CFPB oversight to ensure Carrington provides full transparency and properly addresses the pending dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I got a loan from One main financial approximately in XXXX. I was making payments on time until XXXX. Prior to that I had a loan with one main financial and paid it off. I started having financial issues on my second loan and I was unable to continue payments. I contacted them and let them know. I also let them know that, that I did some research and this loan is under the usury law. And I want it someone to contact me back. Never received a call back from one main financial. I got service ones to go to court but to respond within 30 days of the summons. Looking at the documentation, it looks like one main financial also charge me for single life premium to insurance company without my authorization. I would appreciate your help as soon as possible to resolve this. I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/year>, a XXXX employee at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX mistakenly issued XXXX new Western Union money orders ( {$1000.00} and {$150.00} ) instead of processing my cash refund. This error was acknowledged in writing by the XXXX store manager via a Disbursement Receipt dated XX/XX/year>. As a direct result of this employee error, Western Union charged XXXX separate fees I should never have incurred : ( 1 ) {$2.00} issuance fee on XX/XX/XXXX for the incorrectly issued money orders ; ( 2 ) {$3.00} refund fee deducted on XX/XX/XXXX when the {$150.00} money order was refunded contrary to the XXXX employee 's verbal promise that all fees would be fully reimbursed ; ( 3 ) {$15.00} refund fee deducted from my {$1000.00} refund ( Case # XXXX, XXXX XXXX XXXXXXXX ), resulting in only {$980.00} paid out instead of {$1000.00}. Additionally, the refund took XXXX days from approval ( XX/XX/XXXX ) to payout ( XX/XX/year> ), exceeding the standard processing timeframe, with no updates provided beyond " Refund in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I consolidated my student loans MOHELA was the servicer wow at MOHELA I applied for the borrowers defense. too long disbursement were paid to MOHELA one for XXXX and XXXX for about XXXX just this week I show a server of XXXX XXXX. I called both MOHELA and XXXX trying to understand why my balance had increased to XXXX both MOHELA and XXXX now can not explain what happened what has happened is MOHELA was paid for the loan that I disputed in bars defense now they say they have sent that over to XXXX which XXXX added another XXXX to my student loan debt which shouldve been paid to them by MOHELA. Im getting ran in circles. Nobody can explain to me where the extra {$32000.00} has came from. XXXX is adding an extra XXXX that was already paid to MOHELA on XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX. I signed up for the American Express XXXX XXXXXXXX XXXX at the XXXX XXXX at XXXX. I was promised XXXX bonus miles after spending {$3000.00} in the first XXXX months. I immediately switched all of my travel expense to the XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX I was credited XXXX sky miles with XXXX. After a couple of months went by, I Inquired about my missing XXXX miles as promised when signing up. I opened and re opened a claim for the missing miles and was told by Amex that I was either mistaken about the promotional offer details or that the XXXX XXXX employee lied to me. I have the promotion in an email from the time I signed up, but they refuse to believe me and have twice closed my claim with no change to my miles balance. I have spent hours online and on the phone with both Amex and XXXX trying to fix this problem with no resolution.

Company response to consumer: Closed with explanation