vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
" I am filing an official complaint regarding a hold on an internal, on-us business XXXX for {$11000.00}. Both the paying account and my business account are with Bank of America. Under Federal Regulation CC ( 12 CFR 229.10 ), this qualifies for next-day availability. Even if your system triggered an exception hold under 12 CFR 229.13, the maximum legal extension for an internal check is XXXX business day. You have held my funds for over XXXX days and withheld the entire balance without giving me a legal Notice of XXXX. The funds have already been verified and debited from the payer 's Bank of America account. I demand an immediate manual override and release of my collected funds. ''

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 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am submitting this complaint regarding Regions Bank 's handling of my account closure, disclosure of my private banking information, and continued withholding of my account funds. Regions Bank informed me that my account was being closed allegedly due to unresolved issues with XXXX XXXX XXXX. I was then informed that my remaining balance would not be released for approximately XXXX weeks by mailed check. In connection with this closure, an internal email was distributed to numerous employees that included. my full name, my full bank account number, account closure details, and statements regarding alleged unresolved issues with Early Warning Services. I am concerned that this disclosure exceeded any legitimate business necessity and improperly exposed my nonpublic personal financial information to individuals who may not have been authorized to receive it. The disclosure of my full account number and potentially prejudicial information raises serious concerns regarding compliance with consumer privacy obligations and safeguarding requirements under federal banking laws and regulations. Additionally, I urgently require access to my funds for living expenses and bills. Regions Bank has refused to provide any expedited method for releasing my remaining balance despite no explanation being provided that would legally justify continued withholding of my funds.

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 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: VT

Complaint narrative:
I am writing to formally request assistance regarding multiple unresolved PSLF reconsideration and buyback requests submitted through Federal Student Aid. I am currently pursuing Public Service Loan Forgiveness ( PSLF ) and have approximately nine ( 9 ) qualifying payments remaining before reaching the required 120 qualifying payments for forgiveness. Over the past year, I have submitted multiple PSLF reconsideration/buyback requests and have not received any response, determination, or meaningful communication regarding the status of my requests. The following reconsideration requests were submitted : XX/XX/year> Case # XXXX XX/XX/year> Case # XXXX XX/XX/year> Case # XXXX To date, I have received no resolution or response to any of these submissions despite repeated attempts to follow up. My requests relate to PSLF buyback eligibility and qualifying payment review. I have supplied supporting documentation, including work verification and pay records, as part of the reconsideration process. I am respectfully requesting : 1. Confirmation that my reconsideration requests have been received and are under review ; 2. A formal determination regarding my PSLF buyback eligibility ; and 3. Clear guidance regarding any additional documentation or steps required to complete the review process. I have made repeated good-faith efforts to resolve this matter directly but have been unable to obtain any response. Given my proximity to PSLF eligibility, the continued lack of communication has created significant uncertainty and unnecessary delay.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I requested payment receipt/proof of payment for taxes paid multiple starting on XX/XX/year>. They have not paid the taxes and are charging me extra money for escrow of the taxes they never paid and now they are refusing to refund the extra money that they withdrew from my account. Original mortgage payment : {$3300.00} Selene XXXX stated that they paid my property taxes in the amount of {$18000.00} on XX/XX/year>. They did not actually pay the taxes as the county has never received the funds and still shows the tax balance as outstanding. Selene finance started charging me {$6900.00} on XX/XX/year> to include the extra money in escrow for the taxes that they never paid. They informed me that I will receive a refund by XX/XX/year>. As of today XX/XX/year>, I still have not received a refund and the company refuses to refund me. They are also refusing to correct the escrow balance to credit the taxes that they have not paid. They are very difficult to communicate with and every time I call, they tell me it will be corrected in XXXX business days. To date XX/XX/year>, it has been over 7 weeks since I first requested the correction to my account. I am selling the property next week XX/XX/year> and they are not providing the accurate payoff quote and are going to force me to attempt to collect the extra money that they are unlawfully holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
hi, Capital One close all 4 of my credit cards for no reason. I call them to inform them that someone was adding authorize users to my master card account and then they close all four of my accounts with them. I had never been late and had one of the account for 20 years. They cause me to lose by reward points with 2 of the cards and my credit score to go down my over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I disputed the charge because I am being required to pay the full amount for services that were not fully rendered. I am not requesting a full refund. I am requesting a fair adjustment/refund for the unused portion of the package. Synchrony denied my dispute twice. The merchant appears to have submitted substantially the same supporting documentation both times, but Synchrony provided different reasons for denial. The first denial stated that no proof of cancellation was provided. After I submitted my cancellation email and additional documentation, the second denial stated that the charge occurred before cancellation and was subject to the merchants cancellation policy. I believe Synchrony failed to properly investigate the dispute and failed to address material inconsistencies in the merchants documentation. The merchant claimed that I completed three out of ten abdomen treatment sessions and missed a scheduled appointment. I dispute both statements. The treatment log submitted by the merchant supports my position, not theirs. The log shows only one abdomen package treatment session and one facial treatment. It does not show three completed abdomen package treatment sessions as claimed by the merchant. The merchant also claimed that I missed a scheduled appointment. That statement is inaccurate. After requesting follow-up from the spa regarding treatment concerns and cancellation, I did not schedule or confirm any additional appointment. The merchants own documentation also contains inconsistencies, including different business names/locations and incomplete treatment records. I submitted evidence showing that I attempted to resolve the issue directly with the spa and requested cancellation/refund of unused services, but Synchrony still relied on the merchants position without adequately addressing these discrepancies. I am requesting that Synchrony reopen and properly reinvestigate the dispute, correct the balance by issuing a fair credit/refund for the unused services, and provide a detailed explanation addressing the specific inconsistencies in the merchants documentation.

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, XX/XX/year> my credit card ending in XXXX was closed do to non payment. I requested on the phone service on XX/XX/XXXX to remove the account from dashboard. It is no longer on my credit report. They said they could not do it. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
XXXX they close my account.I didn't do suspicious activity. My account balance was XXXX. The day that they had closed my account.I made a deposit of XXXX via ACH transfer from my XXXX account. They closed my account and sent me a check for XXXX, my balance before the XXXX deposit. The deposit of XXXX was never sent back to XXXX or me. The bank has my money and will not contact me other than send me an email stating they sent me a detailed message on XX/XX/year> they closed my account. They sent me my final statement, which shows the XXXX XXXX deposit, but does not show what happened to it. They have my phone number blocked when I try to call customer service and I can not access the account through the app or the website. I can't talk to anyone there to try to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing this complaint regarding Regions Banks continued failure to provide the documentation it claimed was relied upon in denying my debit card dispute involving the transaction listed as XXXXXXXX XXXX XXXX XXXX In a prior CFPB complaint response, Regions Bank represented that documentation supporting its determination would be provided. The timeframe referenced in that response has long passed, and despite repeated written requests over several months, I still have not received the supposed supporting documentation. This matter has now reached the point where I seriously question whether the documentation actually exists in the form represented by Regions Bank. Throughout this process, I have received multiple and inconsistent explanations for the denial of my claim, including : * assertions that the merchant fulfilled contracted services, * assertions that I benefited from the transaction, * and information from Regions employees indicating that my original supporting documents may not have even been attached to the claim before the determination was made. From the very beginning, I explained the circumstances surrounding this transaction to Regions Banks dispute department and supplied supporting screenshots and documentation. I also requested that phone calls connected to my dispute be audited because I believe those calls would support my account of events. I was told more than once that my circumstances were understood and that there was no issue with the timing of my dispute due to the extraordinary situation I was dealing with. The moving company involved failed to complete the contracted move, placed my belongings into storage, and refused to deliver my belongings later unless I paid additional money again. As a result, I lived for XXXX XXXX without my belongings while continuing to incur storage costs and damages to my property. Despite all of this, Regions Bank denied my claim and has repeatedly failed to produce the documentation supposedly supporting that denial. Under the Electronic Fund Transfer Act and Regulation E, a financial institution is required to conduct a reasonable investigation and properly substantiate its determination. At this point, Regions Banks continued inability or refusal to provide the documentation it claims was relied upon raises serious concerns regarding whether a reasonable investigation was ever completed and whether the denial can actually be substantiated.

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing this complaint against American Express regarding unfair and deceptive marketing practices under XXXX guidelines. American Express heavily markets its Platinum card as having " No Preset Spending Limit ''. This marketing implies that purchasing power is unlimited, unless a fixed credit cap is applied later. However, American Express operates using a hidden, un-disclosed " shadow limit. '' When attempting to use the card for a valid transaction, the account triggers an immediate restriction. Upon utilizing their " Check Spending Power '' tool to verify the limit, the system returned a generic error message stating it was beyond my spending limit, despite this being the very first time I had ever attempted to use the tool. Further, it would not tell me what the limit was. You have to keep guessing. When contacting customer service, representatives avoided the topic, or said there was no spending limit, but eventually confirmed that a strict internal ceiling exists. They refused to disclose what that numeric limit actually is, until pressured. Instead, they required me to make a manual {$30000.00} " pre-payment '' onto the card using my own cash reserves to bypass their system and run the business expense charge. Forcing a cardholder to pre-pay a transaction with cash essentially transforms a heavily marketed premium " charge card '' into a prepaid debit mechanism. If American Express enforces hard, arbitrary caps based on a brand-new account status, they must disclose those exact numeric baselines upfront to the consumer. Marketing a product as having " No Preset Spending Limit '' while simultaneously enforcing a strict, hidden numeric ceiling that blocks standard card utilization is inherently deceptive and anti-consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
I have collection debt, banks, phone, school, and etc. thats where my problem coming in at with my credit. A lot of things I didnt continue to pay due to me losing my job. Im just trying to get my credit fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Subject : Complaint Regarding Vehicle Lease Replacement, Disclosure Issues, and Dealer Misconduct I am filing a formal complaint regarding a XXXX XXXX XXXX leased from XXXX XXXX XXXX ( now formally known as XXXX XXXX of XXXX XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Vehicle Information : XXXX XXXX XXXX VIN : XXXX License Plate : XXXX I originally signed the lease on XX/XX/XXXX, made the first payment, and took possession of the vehicle at that time. Several months later, the dealership informed me that there were issues with the original lease and required me to return and sign new paperwork with increased monthly payments. I later discovered that the dealership appears to have replaced the original lease with a new lease beginning in XX/XX/XXXX, and extended the lease maturity date from XX/XX/XXXX to XX/XX/XXXX. I was not properly informed that the original lease would be voided or replaced. I also have serious concerns regarding the odometer disclosure in the later lease documents, which listed an actual mileage of XXXX miles, even though the vehicle had already been in use for approximately XXXX months before the new lease paperwork was signed. I contacted both GM Financial and the dealership regarding this matter. The dealership has refused to cooperate or resolve the issue, stating that the original lease is void and nothing can be done. My desired resolution is to return the vehicle at the original lease end date based on the XX/XX/XXXX lease agreement. I respectfully request a full investigation into this matter, including review of all lease documents, mileage disclosures, and changes made to the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
ADDENDUM : On XX/XX/year>, I sent a formal Notice of Fraud, and Identity Theft and formal Dispute via Certified Mail requesting electronic audit trail, IP Addresses, timestamps, and email certification logs. ; for my upcoming forensic handwriting analysis with XXXX XXXX XXXX. Service Finance Company LLC completely ignored the certified mail. I received a blank return receipt back. I called XXXX XXXX, the referred team member, and got no response. The XXXX XXXX, Florida headquarters and staff is actively withholding the metadata for a fraudulent loan to prevent a forensic audit. Respectfully submitted, XXXX XXXX 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 2026-05-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint against Wells Fargo Bank , N.A . regarding Claim Number XXXX. On XX/XX/year>, my Wells Fargo online banking profile was breached by an external hacker between XXXX XXXX and XXXX XXXX. The hacker initiated an unauthorized wire transfer in the amount of {$20000.00}. I notified Wells Fargo 's fraud department on XX/XX/XXXX, XXXXthe exact day of the eventmeeting the immediate notification requirements of Regulation E. Wells Fargo acknowledged the fraud by initiating a wire recall that day and later moving my remaining funds to a new fraud-protection account on XX/XX/year>. Wells Fargo is currently denying my fraud claim under the false technical assumption that because the login mirrored my home IP address, I authorized it. This ignores modern cyber tactics like session cookie theft and residential proxies. Furthermore, Wells Fargo permitted a high-risk XXXX XXXX wire transfer to clear with zero enforced two-factor authentication ( 2FA ), failing to use commercially reasonable security procedures under UCC Article 4A. Because I reported this the same day, my legal liability under Regulation E is {$0.00}. I demand a full credit of the stolen funds. Wells Fargo verbally denied my claim, stating : 'As the money will not be returned from the receiving bank, we are not able to reimburse you. At this time we consider your case closed. This denial is a direct violation of CFPB Regulation E and the Electronic Fund Transfer Act. Under federal law, a consumers liability for a timely reported unauthorized electronic transfer is capped, and the bank can not condition fraud reimbursement on successful recovery of funds from a beneficiary institution. Furthermore, Wells Fargo has refused to provide a written explanation of their findings or the investigative documents, violating my rights under 12 CFR 1005.11 ( d ). I demand that Wells Fargo immediately comply with federal law, reverse their denial, and credit my account for the full unauthorized amount.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
Bank said insufficient funds for {$10.00} And in terms it didnt clear state that i could be chatges a {$50.00} service fee i see {$15.00} in terms of service

Company response to consumer: Closed with explanation