vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There was an incentive offer inside my account deals with BOA 's. It stated if you activate the offer to file your tax return with XXXX TAX and follow the instructions, after 30 days you would receive the {$20.00} provided you paid with required debit card, I read the requirements and follow the instructions ( paid XXXX ). However, when I called on XX/XX/XXXX to inquire about the deal I was told it was still pending because it had not been 30 days, I took a picture of the {$20.00} offer that day. I called again XX/XX/XXXX the offer had changed from to {$20.00} to {$5.00} and was told no such offer 0f {$20.00} exist. I then mentioned I had taken pictures of today and XX/XX/XXXX. I was then told well maybe I need to come in and discuss it. I never really had a problem with BOA honoring their incentives but maybe someone made a mistake by posting the {$20.00} incentive, I have no idea, but I seen it, activated it, paid with the correct card and follow all requirements. I received a call from XXXX XXXX on XX/XX/XXXX who the offer should have listed as {$5.00} and up {$20.00}, and I responded but that was not the case, she I show its pending I will have to get back with you after I find out why. Today XX/XX/XXXX I received a letter stating that they are regretting that they are not going to honor the offer., Because of that post I choose file with intuit/turbo tax because that offer and now they are going to honor it, why?

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
I requested a refund of my credit balance on XX/XX/year> and it's has been well over XXXX business days per 12 CFR Part 1026 ( Regulation Z ) 1026.11 Treatment of credit balances. I've called numerous times for the past week, and the refund request has still not been processed yet. No one seems like know how much longer this will take.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against regarding the restriction of my business account and denial of access to funds following a check deposit. On or about [ XX/XX/year> ], I deposited a check into my business account. Shortly thereafter, my account was restricted, and I was denied access to my funds without sufficient explanation, documentation, or proper notice. To date, the bank has failed to provide a clear reason for this action, identify any specific issue with the deposited item, or outline what is required from me to resolve the matter. This lack of transparency has prevented me from addressing any alleged concern and has caused significant disruption to my business operations. This conduct raises serious concerns under multiple federal laws and regulations : Under Regulation CC ( 12 CFR 229 ), financial institutions are required to follow specific rules regarding funds availability and provide proper notice when placing extended holds or taking adverse action on deposited items. Under UCC Articles XXXX and XXXX, the bank has a duty to process negotiable instruments in good faith and exercise ordinary care. Arbitrarily restricting access to funds without explanation or timely resolution may constitute a failure to meet these obligations. Additionally, this conduct may constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), as I have been denied access to my funds without clear justification, transparency, or a reasonable opportunity to respond. The banks actions have resulted in the effective freezing of my business account, interfering with my ability to conduct lawful financial transactions and operate my business. I am formally requesting the following : XXXX. A detailed written explanation of the reason for the account restriction XXXX. Copies of any internal findings, flags, or determinations related to the deposited check XXXX. Identification of any alleged issue with the check, including whether it was returned, flagged, or under investigation XXXX. Immediate restoration of access to my account and funds if no valid legal basis exists for the restriction XXXX. Written confirmation of the status of my account ( open, restricted, or pending closure ) XXXX. A clear timeline for resolution If this restriction is based on suspected fraud or risk controls, I request the opportunity to verify the validity of the deposited item and any related transaction. If this matter is not resolved promptly, I am prepared to pursue additional remedies, including escalation to federal regulators and legal action for wrongful restriction of funds and business interference. Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
My brother in-law and I went into One Main finance got a loan. Witch I thought my brother in law was paying the loan cause it was for him. I received court papers from a det collector. I didn't give one main permission to give my personal information out. They are only trying to sue me not both signed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Since I never gave permission for these false accounts and fraudulent inquiries to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block. This is my personal request, and I already included my documents for you to verify and consider. Also, I am submitting this follow-up complaint to clarify and correct the companys inaccurate claim that my dispute was submitted by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
REBUTTAL TO SERVICER RESPONSE Consumer Financial Protection Bureau ( CFPB ) Reference Complaint No : XXXX To Whom It May Concern, I am formally rebutting the response provided by Shellpoint Mortgage Servicing regarding my property. Their response is factually inconsistent, lacks essential legal documentation, and ignores the physical evidence I have provided. I am requesting the CFPB 's immediate intervention based on the following : 1. Proof of Payments Post-Alleged Sale ( MCL 600.3204 ) Shellpoint alleges a foreclosure sale occurred in XX/XX/year>. However, Shellpoint continued to debit my account for mortgage payments months after this alleged sale date. I am providing bank records as incontrovertible proof of the following successful debits : XX/XX/year> : {$270.00} XX/XX/year> : {$270.00} Under Michigan Compiled Law 600.3204, a party can not foreclose unless a default has occurred. Since Shellpoint was actively debiting my account in XXXX and XXXX, their claim of a prior XXXX sale is legally and factually impossible. 2. Violation of Due Process ( MCL 600.3208 ) I state for the record that I never received a Notice of Default, a Notice of Sale, or any Sheriffs Sale documentation. Under MCL 600.3208, a notice must be published for four successive weeks and posted in a conspicuous place on the premises. No such notice was ever posted at my property. Shellpoint has provided no " Affidavit of Posting '' or certified mail receipts to confirm these notices were delivered. 3. Formal Demand for Proof of Service and Accounting I am formally demanding that Shellpoint provide the CFPB with : Certified Mail Receipts : USPS tracking numbers and signed receipts for all required foreclosure notices. Affidavits of Posting : Legal proof that the property was physically posted. Evidence of NSF : Official bank-generated " Return '' notifications for the XXXX and XXXX payments they claim were " insufficient. '' Internal notes from the servicer are not sufficient proof. 4. Unsigned/Invalid Modification Documents The " approved '' payment plans Shellpoint references are legally insufficient. None of the documents provided bear my signature or the signature of an authorized representative. An unsigned document is not a binding contract. Conclusion : Shellpoint is attempting to take my property based on unverified internal notes. They can not prove they sent notices, and they can not prove my payments failed when my bank records show the opposite. Furthermore, their acceptance of payments in XXXX and XX/XX/year> invalidates their claim of an XX/XX/year> sale. I request that the CFPB compel Shellpoint to halt all foreclosure activity until they produce the actual, signed, and certified evidence required by law. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I was alerted to suspicious activity on my account after receiving a fraud text regarding an unauthorized charge. I immediately responded that the charge was not authorized, and my account was restricted. Shortly thereafter, I received a phone call from an individual posing as a representative of my bank. Relying on this communication, I was deceived into actions that resulted in an unauthorized transfer of {$6400.00} from my account. I did not authorize this transaction, did not benefit from it, and reported the incident promptly. The transfer was the result of fraud and social engineering, and I am requesting full reimbursement of the {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I contacted Barclay us. As i have not used the card in some time however it was still active. I noticed charges of {$12000.00} in XXXX. I reported it as fraud. Barclay advised me that my address, phone number and email had been changed on my account. A new card was sent to another state and used. I was advised to send by mail to. XXXX XXXX XXXX XXXX delaware XXXX XXXX ) social security card front and back XXXX ) copy of Drivers license front and back XXXX ) a utility bill or bank statement I did as instructed and " NEVER HEARD BACK OR RECEIVED ANY DOCUMENTS FROM BARCLAY ''. I contacted them again as now it is showing XXXX late payments to the credit bureas. The card is closed however they are still holding me resposible after telling me no worries we are going to take care of it for you! I had a great credit score and now it is horrible. Please help me to 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 2026-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
This is now the 4th time paperwork has been sent to me since XX/XX/year> attempting to obtain a mortgage modification after having been unemployed for over a year. I last was sent physical paperwork to get notarized and had to ( for the 3rd time in a row ) take time off of work ( a job I have been at for less than 6 months ) to do so. I immediately placed them in the return overnight envelope and sent them back. Then on XX/XX/XXXX, I received 2 emails with blank documents ( making this the 4TH SET OF DOCUMENTS for one mortgage modification ). This process is violent and is affecting my job ( therefore my ability to pay ), my physical health, and my mental health. It's clear this is about wearing me down so they have the opportunity to foreclose on my home to leave me homeless. They also warned me that I would still have to make my payments and they wouldn't let me make a payment when I called in today ( XX/XX/year> ). They want to foreclose and leave me and my XXXX veteran partner homeless on the streets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Im getting calla from this company everyday for no reason I dont owe anything they constantly call and harassed me every day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
My car was repossessed due to amount settlement amount of XXXX from Ally as of XX/XX/XXXX car was taken in XXXX of XXXX

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding persistent and unexplained restrictions on my Citi / AAdvantage credit card account. For approximately six months, every payment I have made has been subjected to a hold of approximately 10 days. During this time, the funds are withdrawn from my bank account, but the corresponding credit is not made available. This has occurred on 100 % of my payments despite consistent, on-time payments and no returned payments or delinquency. Citi has stated that these holds are random and part of standard security measures that typically diminish over time. However, in my case, the holds have not diminished and occur without exception, which directly contradicts their explanation. In written correspondence, Citi listed potential triggers such as returned payments, delinquency, or unusual activity. None of these conditions apply to my account. Despite repeated requests, Citi has not identified any specific reason why my account is subject to continuous holds. In addition, during this process Citi has required and utilized XXXX to verify my bank account and available funds on multiple occasions ( at least three times ). Despite providing this level of verification and granting access to my banking information, the payment holds have continued without any change in behavior. I have also attempted to make payments using a debit card through links provided by Citi, and these payments have failed to process on multiple occasions without explanation. As a result, I am experiencing both : repeated holds on all successful payments, and failed payment attempts when using alternative payment methods I escalated this issue to Citis Executive Response Team and spoke directly with a representative. The representative reaffirmed the same general explanations but did not provide any specific cause or corrective action. I also attempted to return calls from Citi over multiple days but was unable to reach them due to a consistently busy line and unreturned messages. This situation materially interferes with my ability to use my credit account as intended. Payments do not restore available credit in a reasonable timeframe, and payment attempts are failing altogether. I am requesting : A clear and specific explanation of why my account is subject to repeated payment holds and failed payment attempts Disclosure of whether my account is subject to any internal risk flags or restrictions Removal of any such restrictions and restoration of normal account functionality Immediate restoration of available credit upon successful payment Citi has not provided transparency or a path to resolution despite repeated attempts to resolve this directly.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TM Communication LLC
State: NC

Complaint narrative:
I called XXXX XXXX XXXX XX/XX/XXXX to see if they could explain why they were continuing to open and close account. For the past 4 years, they have been reopening account once it expires on 2 years. This was the same company that I RECOGNIZED since XX/XX/XXXX. As of today, the account was REOPENED XX/XX/XXXX. When I spoke to representative from XXXX XXXX XXXX, she refused to tell me who was the original creditor was so I could verify with them the details. She continued to pry information ; when I clearly stated I didnt feel comfortable giving information when the details arent verified. After much research, I was able to find the original creditor XXXX On XX/XX/XXXX at XXXX pm I called XXXX and asked them to verify debt. They were unable to and representative said she sent my information to the verification department to verify details on account. XXXX also communicated that someone from XXXX will call me back within 2 hours to confirm details. NO CALL was received. I called back today XX/XX/XXXX at XXXX am to do a follow up. They apologized for me not receiving a callback and it was noted on my account from XX/XX/XXXX to call me. T-Mobile representative from XX/XX/XXXX was able to access my account and told me that she couldnt verify the debt or what were the owed charges on the account. She also told me that the account has been closed since XX/XX/XXXX. She also verified that since the account was closed 6 years ago, they were unable to future assist me and verify any debt. XXXX XXXX has abused their position more than once by continuing to put unverified debt or claims on my credit report. For the past 6 years, they have closed and reopened the account without my consent or knowledge. This has caused much more damage than necessary. They have not tried to call, email, or send me any notice regarding the claim.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo closed my account without telling me why I contacted them asking for a email policy and they hang up in my face directly telling me opening a new account I want them to reopen the account I had

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was having trouble with my cash app so I called customer service to what was going on and i was told my account was closed because of fraudulent activity that went against their guidelines I was unaware of any fraudulent activity on my account cash app have my email and phone number and then company did not notify me they just closed my account.

Company response to consumer: Closed with explanation