vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I deposit a check for {$7000.00} from a customer on on XX/XX/XXXX they cash the check from XXXX XXXX XXXX and then the following Friday they closed my accounts on the XXXX they gave me checks after closing the accounts except for the {$7000.00} that they are holding continually and will not give me the money from the clear check that they took from my customer for {$7000.00} I have called the North Carolina banking commission followed a formal complaint and have not heard anything for XXXX weeks they have till the XXXX to give me an answer and they have now the bank have not called me once or give me any written documentation about the {$7000.00} that they are still holding for over 45 days please help me

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I tried disputing a transaction that the other person was offering a place for rent and they weren't the real property owners. I've requested my money back from the person, I've filed complaint with the general attorney office, I filed a police report, and I filed with chime bank and they won't do anything but deny when I've submitted documents that should've enough to fight for my money back. I'm not happy with chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Cant view my account it says not available when I try to make. Payment they are making it difficult I dont know when my payment is due

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Urgent Complaint Regarding Failed Identity Verification and Frozen Debit Card I am filing this complaint regarding the ongoing inability to access my bank account and debit card due to repeated failures within Capital Ones identity verification system. My Capital One debit card was frozen for suspected fraud activity. Since that time, I have made more than 20 phone calls attempting to resolve the issue. I have fully cooperated with every request made by Capital Ones fraud department, including submitting photographs of my government-issued ID and valid U.S. passport through the verification links they provided. However, despite following all instructions carefully, their system repeatedly rejects my documents for inconsistent reasons. On one occasion, I was told my submission was rejected because no selfie photograph was included. The problem is that the verification process provided by Capital One never gave me any option or prompt to upload a selfie photo. The system only requested a picture of my identification document and then immediately displayed submitted. There was no way for me to provide the additional photo they later claimed was required. This has created a completely unreasonable and impossible situation. I can not comply with instructions for a feature their own system does not provide. In addition, my debit card transactions have been consistently problematic even before the freeze. Nearly every purchase is initially declined, followed by a fraud text asking whether I authorized the transaction. Only after responding to the text will the purchase sometimes go through. This has caused repeated interruptions and embarrassment during basic purchases. Capital One representatives have now informed me that my only option is to appear in person at a Capital One Caf location to verify my identity. This is not a realistic or reasonable solution in my circumstances. I am XXXX XXXX XXXX, XXXX from multiple serious health conditions, and a war veteran. I am physically unable to travel to a Capital One location. I rely on a caregiver for shopping and daily necessities. Because my debit card remains frozen, I am currently unable to pay my caregiver or reliably access essential services and supplies. I believe Capital Ones verification process has failed technologically and procedurally, and the lack of accommodation for elderly and disabled customers is unacceptable. I am requesting immediate assistance in restoring access to my account through a workable remote verification method that actually functions as intended. I respectfully ask the XXXX XXXX XXXX to review this matter and assist in obtaining a prompt resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX from XXXX XXXX offered the option for me to refinance my VA loan. 5.65 % is new rate that was offered with a $ 2712 monthly mortgage payment. My current rate is 6.125 % and my monthly mortgage payment was {$2300.00} since my closing date in XX/XX/XXXX until XX/XX/XXXX. My monthly mortgage payment increased to {$3400.00} starting XX/XX/XXXX. I can not afford that. On XX/XX/XXXX, XXXX XXXX stated they are still working to lock in the new rate that was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding {$500.00} that XXXX has improperly withheld or failed to return to me. Transaction Details : * Amount : {$500.00} * XXXX Account Name : XXXX XXXX * Email Associated with Account : XXXX * Phone Number : XXXX * Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date of Transaction : [ Insert Date ] * Transaction or Case Number : [ Insert Number if Available ] I have attempted to resolve this matter through XXXX customer support, but the issue remains unresolved. I believe XXXX has either improperly denied my dispute, failed to provide an adequate investigation, or wrongfully retained my funds. I am requesting the immediate return of my {$500.00} along with a written explanation of the investigation and decision regarding this matter. Under the Electronic Fund Transfer Act and applicable consumer protection laws, consumers are entitled to a fair and timely investigation of disputed electronic transactions. If this matter is not resolved promptly, I will continue escalation through the Consumer Financial Protection Bureau ( CFPB ), the Missouri Attorney General Consumer Protection Division, and any other applicable regulatory or legal channels. Please respond within 10 business days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
We obtained a fixed-rate mortgage with PennyMac in XX/XX/XXXX. The original monthly payment including escrow was {$2400.00}. On XX/XX/XXXX, PennyMac increased the payment to {$2400.00}. After the annual escrow analysis, PennyMac attempted to increase the payment to {$2600.00}. After I disputed and contacted them, the payment was reduced to {$2500.00}. In XX/XX/XXXX, the payment was increased to {$2500.00}. In XX/XX/XXXX, the payment was increased to {$2600.00}. In XX/XX/XXXX, XXXX months later, PennyMac is now attempting to increase the payment to {$2800.00}. XXXX attempted increase since XX/XX/XXXX : $ XXXX. If I had not disputed each increase, the payment would be over $ XXXX based on their initial demands. I have contacted PennyMac each time to dispute the increases. Each time they reduced the amount by approximately $ XXXX {$120.00}, but only after I called and challenged their escrow calculations. The escrow analyses do not add up based on actual tax and insurance costs. Additionally, after the most recent tax assessment my property taxes decreased, yet PennyMac issued no escrow credit or reduction. We have made all mortgage payments on time for the past XXXX years and have equity in the home. Consumers should not have to fight every XXXX months to keep a fixed-rate mortgage payment accurate. I am requesting a full escrow audit under RESPA Section 1024.17, a corrected escrow analysis with supporting documentation for each increase, refund of any over-collected amounts, and confirmation that future analyses will be calculated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Uprova Credit, LLC
State: MI

Complaint narrative:
I tried to make a payment on my loan on Wednesday, XX/XX/year>. When I attempted to do so the uprova app and website both said that the maximum amount I can pay is {$0.00} even though I still owe. On Uprovas FAQ page ( https : //www.uprova.com/faq/ ) It states that I can submit payments early. But it will not let me. the text on their FAQ page is as follows : Yes, you may log in to your Account Portal and view your payment options to pay your loan in full without penalty. Your finance charges will be prorated if it is prior to your due date. You may also use the Account Portal to add extra principal to your scheduled payments. If you have any questions about your payment schedule, you may also call Customer Service at XXXX or reach out through the Contact Page.. I wanted to submit this complaint to consumer finance because this just seems so insane and scammy. Thank you. 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 2026-05-14 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: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/year>, I was the victim of a physical robbery in XXXX where my XXXX was stolen. The robbers observed me me entering my device passcode prior to the theft. Immediately after snatching the device, the suspects used this passcode to bypass all security and gain full access to the phone 's contents, including my digital wallet ( XXXX XXXX ). At approximately XXXX XXXX roughly one hour after the theft the suspects used the stolen XXXX and XXXX XXXX to make three unauthorized transactions at an XXXX XXXX ( {$1300.00}, {$1300.00}, and {$2600.00} ). They continued to use the card, and made another purchase at a XXXX XXXX XXXX ( {$60.00} ), totaling {$5200.00}. On XX/XX/year>, the credit card issuer ( XXXX XXXX XXXX ) denied my fraud claim. Their written justification stated that because the card was " presented '' via XXXX XXXX, the transactions were considered valid. This reasoning is a direct misapplication of Regulation Z ( 12 CFR 1026.12 ). Under federal law, " unauthorized use '' explicitly includes a transaction initiated by a person who has obtained the access device ( my XXXX ) through robbery. The banks investigation is fundamentally flawed as it fails to distinguish between " authentication '' ( the passcode observed by the thief ) and " authorization '' ( my consent ). The attached XXXX report confirms that I was the victim of a felony and was not in possession or control of the device when these charges occurred.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Associated bank made the decision to deny my disputes & removed the credits from my account making it $ XXXX with ZERO heads up or warning yesterday. First, the dispute was valid- I didnt authorize those charges. Second, after looking the merchant up online .. they use a strict location based system ( the company is illegal in Illinois XXXX XXXX other states ) and if your physically in Illinois XXXX you cant make purchases .. associated should know that I live in Illinois. Beyond it being physically impossible for the purchases to be made by me, the company is ILLEGAL in Illinois ( Ive attached the letter directly from the state to this complaint ). Beyond that- throughout the entire process, associated never once gave me an opportunity to supply any supporting documents, never reached out and asked any questions, never mentioned a thing. Associated then took it upon themselves to freeze all of my accounts out of nowhere ( I still have no idea why they did this ) including 2 separate accounts which had a combined $ XXXX dollars in them. I was in the middle of purchasing a car ( using the available {$9000.00} in a separate account ) which by the way didnt belong to me .. it was my bosses money theyre trying to take & they just froze all my accounts. All of this was just happening and pending and they just decided they could freeze everything. This is so wildly unprofessional, Ive always kept between XXXXXXXX XXXX XXXX in my accounts and this is how they reacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

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 non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am filing this complaint against XXXX XXXX because they are reporting inaccurate information on my credit report through a collection agency XXXX Credit Collection Services, Account # XXXX ). The account shows an Original Balance of {$0.00} but claims I owe {$63.00}. Those XXXX numbers directly contradict each other. If the original balance is XXXX, no debt ever existed. This inaccurate reporting is damaging my credit and my ability to provide for my family. I have sent a formal dispute letter via XXXX Mail to XXXX XXXX demanding they delete this account. They are violating XXXX USC XXXX by furnishing inaccurate information to consumer reporting agencies. I am requesting that the CFPB investigate this matter and order Progressive Insurance to immediately delete Account # XXXX from all three credit bureaus Equifax, Experian, and TransUnion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting a complaint regarding the handling of my XXXX XXXX XXXX XXXX XXXX through Capital One XXXX. I canceled a XXXX XXXX ticket and received a travel credit worth approximately {$500.00}. While attempting to rebook onto a XXXX nonstop flight from XXXX XXXX to XXXX, I received inconsistent and contradictory information from multiple agents. On XX/XX/year> at around XXXX pst, one agent initially quoted approximately a {$500.00} fare difference, then later repriced the same itinerary to approximately {$300.00} after contacting XXXX . He stated he would call me back after speaking with XXXX further, but never did. After calling back and escalating to a supervisor, XXXX, at around XXXX pst, I was extremely disappointed with the way the situation was handled. Rather than reviewing the prior agent notes or attempting to recreate the previously quoted exchange, the supervisor immediately focused on reading XXXX policy to me and then incorrectly claimed that the travel credit could not be used for international travel. This information was clearly inaccurate because : - two previous agents had already been in the process of booking the international itinerary, - the Capital One XXXX app itself allowed me to apply the credit toward the international flight,- and after ending the call, I successfully booked the exact flight with another Capital One XXXX agent within five minutes for a fare difference of only {$310.00}. During the call, the supervisor, XXXX, also made dismissive comments such as I dont know what youre seeing and ultimately told me to hang up and have another agent book it instead. I am extremely disappointed with XXXX, I genuinely do not think I will ever book with capital one travel again because of this situation. He did everything in his power to not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened the following business checking account offer with Capital One in XX/XX/year>. Capital One is offering a bonus of up to {$1000.00} when you open a new business checking account with promo code XXXX. There are XXXX tiers : Earn {$500.00} with at least a {$5000.00} balance XXXX {$1000.00} with at least a {$30000.00} balance. Maintain the minimum required end of day balance for at least XXXX days during the first XXXX days of account opening Make XXXX qualifying electronic transactions within XXXX days of account opening. Qualifying transactions include electronic wire, electronic ACH, and remote check deposit. I did everything I needed to do for this bonus. Deposited the {$30000.00} and did the XXXX qualifying transactions and I got the attached letter in the mail saying I needed to call this phone number and provide them with information. The letter looked very suspicious so I called the business checking account customer service number line and asked them if this letter was legitimate and they said they were not aware what this letter was and saw no flags on my account and to disregard the letter so I threw it out. I then find out about a week later that my account was closed. I called in for this and XXXX said he would file an escalation for me because I did all the requirements and the account was only closed because I received bad information from XXXX of your representatives. I then spoke with XXXX, employee ID XXXX, who said she was going to file an additional exception/escalation for me to get this {$1000.00} because I did everything right and even called in to confirm whether the letter was legitimate. I already filed a previous CFPB claim for this dispute and the letter I received from XXXX at Capital One stated that they had sent me numerous emails, letters in the mail, and phone calls requesting additional information from me about my business. I never received any phone calls or emails from your company regarding this. I only received XXXX letter in the mail which looked suspicious so I called in to customer service on XX/XX/year> and they had no idea what the letter was so I threw it in the garbage. I have attached the letter that I received from XXXX at Capital One, with phone number XXXX extension XXXX. I have left XXXX voicemails voicemails for XXXX to call me back to discuss this but it always goes straight to voicemail and she doesnt even bother calling me back. This is ridiculous. Everything that was written in the letter was a lie.

Company response to consumer: Closed with explanation