vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of my fraud claim involving unauthorized ATM withdrawals and the subsequent restriction of my accounts. On XX/XX/year>, I reported unauthorized ATM withdrawals after my phone, wallet, and identification were stolen. I immediately notified Bank of America and fully cooperated with its fraud investigation. During a conversation with a Risk Management supervisor identified as XXXX ( Agent ID : XXXX ), I was informed that my checking and savings accounts were being restricted specifically so that I would not be able to withdraw any provisional credit that may be issued during the investigation. XXXX stated that the concern was that I could take the money and disappear. I was further told that no funds would be released from my accounts until approximately XXXX, when the investigation is expected to conclude. I believe this treatment is unfair and potentially improper. If Bank of America determines that provisional credit should be issued while the investigation is pending, preventing me from accessing those funds defeats the purpose of providing provisional credit in the first place. I am the victim of theft and fraud, yet I am being treated as though I have done something wrong. The restrictions have created severe financial hardship. I am a single parent and have a XXXX special-needs son whose benefits are deposited into these accounts each month. Restricting access to my accounts prevents me from managing essential household expenses and caring for my child. I also feel that I am being treated unfairly because I currently have other unresolved disputes with Bank of America, including complaints involving medical billing fraud that have been ongoing for nearly a year with little or no meaningful assistance. Despite submitting complaints through the CFPB process, I have not received satisfactory resolutions. I respectfully request that the CFPB investigate : 1. Whether Bank of America may legally block a customer from accessing provisional credit solely because the bank believes the customer might withdraw the funds. 2. The basis for the continued restriction of my accounts while the fraud investigation remains pending. 3. Whether the bank is complying with all applicable consumer protection requirements regarding fraud investigations and provisional credit. 4. The impact these restrictions are having on my ability to access funds needed to support my XXXX child and household. 5. The handling of my long-pending medical billing fraud disputes and prior CFPB complaints. I am requesting immediate review of this matter, a written explanation of the restrictions placed on my accounts, and restoration of appropriate access to my funds while the investigation proceeds.

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 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
NOTE : This formal federal complaint is an immediate escalation of Coinbase Support Case # XXXX, which Coinbase formally denied via email on XX/XX/year>. Coinbase 's online help portal is actively utilizing automated system loops to block me from filing a formal internal dispute, leaving me no choice but to seek immediate regulatory intervention. This is a formal dispute of an Error Resolution Request under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and Federal Reserve Regulation E, 12 CFR 1005.11, concerning a total loss of {$23000.00} USD. On XX/XX/year>, an unauthorized malicious third party gained access to my custodial Coinbase account. The hacker bypassed or modified security settings, liquidated {$23000.00} of my staked digital assets ( XXXX, XXXX, XXXX ) into USD cash, and initiated two outbound electronic debit card push transfers from Coinbase 's platform to unauthorized XXXX XXXX XXXX debit cards. I had not accessed the account for 90 days prior to discovering the theft and did not authorize the linking of these cards. Transaction 1 Breakdown : Amount : {$16000.00} USD Destination : XXXXXXXX XXXX XXXXXXXX ending in XXXX XXXX XXXX XXXX XXXXXXXX Coinbase Reference Code : XXXX Timestamp : XXXX XXXX PDT XX/XX/year> Transaction 2 Breakdown : Amount : {$7400.00} USD Destination : XXXXXXXX XXXX XXXXXXXX ending in XXXX XXXX XXXX XXXX XXXXXXXX Coinbase Reference Code : XXXX Timestamp : XXXXXXXX XXXX PDT XX/XX/year> On XX/XX/year>, Coinbase Support issued a blanket denial of liability via email, claiming that because the login occurred via a residential IP address, they are not responsible for the unauthorized activity. They offered a " goodwill gesture '' of {$450.00} in fee credits, which I have formally rejected. Under 12 CFR 1005.2 ( m ), these transactions constitute " unauthorized electronic fund transfers. '' Coinbase 's internal corporate policies can not supersede federal consumer protection laws. Coinbase is also actively withholding the full 16-digit destination card numbers and network transaction IDs, which is actively hindering an active criminal grand larceny investigation with my local police department and the FBI IC3 . I have filed a federal cybercrime complaint ( FBI IC3 ) and a formal grand larceny report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, an unauthorized fraudulent electronic fund transfer of {$110.00} was debited from my PayPal account to fund a fraudulent XXXX subscription created by a third party. I contacted XXXX immediately on XX/XX/XXXX, and the merchant permanently closed the fraudulent account under XXXX XXXX XXXX XXXX. I immediately submitted this merchant documentation to PayPal under active dispute number : XXXX PayPal is my primary financial institution . It has been over a week, and PayPal customer service agents have denied my explicit request for provisional funds. They are forcing a 20-day system hold despite clear evidence that the merchant has surrendered the funds. I am requesting an immediate investigation and the release of my withheld funds under Federal Regulation E compliance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My mortgage servicer, NewRez, has committed an escrow billing error by force-placing an unauthorized and duplicate wind insurance policy on my property. This has caused a massive negative escrow balance and a predatory increase in my monthly housing costs. NewRez disbursed two unauthorized payments from my escrow account to a force-placed wind carrier : {$2500.00} in XX/XX/year>, and {$640.00} in XX/XX/year>. These unnecessary disbursements driven by the company have forced my escrow account balance into a severe deficit of - {$5100.00}. Because of this error, NewRez issued an escrow analysis stating that my monthly mortgage payment will be forced to spike from {$2800.00} to {$4000.00}, effective XX/XX/year>. This forces me to pay an extra {$1100.00} every single month for a coverage gap that does not exist. My property has continuous, active homeowners insurance through XXXX. My XXXX declaration certificate explicitly proves that " XXXX and XXXX '' coverage is fully included under my primary policy, subject to a {$10000.00} deductible. NewRez had absolutely no reasonable or legal basis under RESPA Regulation X to place this duplicate insurance or charge my account. I have uploaded my XXXX declarations page showing active wind coverage and the NewRez billing statement detailing the erroneous disbursements. I demand that NewRez immediately cancel the force-placed policy, reverse the full {$5100.00} escrow shortage, and restore my regular monthly payment before the XX/XX/year> increase takes effect.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Card Update and Account Security Failure To Whom It May Concern, I am filing a formal complaint regarding a serious security issue involving my Capital One Quicksilver credit card account. On XX/XX/year>, I reported my card as lost and immediately requested that it be deactivated and replaced. At the time of my report, I had not received the replacement card, nor had I activated any new card. Despite this, I discovered that XXXX was somehow able to obtain and process charges using the replacement card information before I ever physically received the card. This raises significant concerns regarding the security of my account and the protection of my personal financial information. If my original card was reported lost and my account was expected to be secured, I need a clear explanation as to : 1. How a merchant was able to receive updated card information before I had possession of the replacement card. 2. Why the account was not effectively locked or protected after I reported the card as lost. 3. What safeguards Capital One has in place to prevent unauthorized account updater services from transmitting replacement card information without the cardholder 's knowledge or consent. As a direct result of this incident, I am now concerned that my credit standing may be negatively impacted through no fault of my own. I should not be held financially responsible for charges resulting from what appears to be a failure in Capital One 's account security procedures. I am requesting that Capital One : - Conduct a full investigation into this matter. - Reverse and remove any unauthorized charges associated with this incident. - Ensure that my credit report is not negatively affected. - Provide a written explanation of how this occurred and what corrective actions have been taken. I have acted promptly and responsibly by reporting my card as lost. I expect Capital One to uphold its obligation to protect my account and personal financial information. If this matter is not resolved promptly, I reserve the right to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
I am filing this complaint regarding collection efforts by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. On XX/XX/2026, a Massachusetts court entered judgment in this matter and specifically found that I have insufficient non-exempt income and am currently unable to pay the judgment. The court record states : Defendant Exempt No ability to pay. The court further found that I have insufficient non-exempt income and am currently unable to pay on the judgment. I receive disability benefits and do not have the ability to make payments toward this debt. This information was reviewed by the court and reflected in the courts findings. Despite this, I received a letter dated XX/XX/2026 stating that the collector intends to process check number XXXX in the amount of {$160.00} on XX/XX/2026. I do not understand where this check number came from. Prior to the lawsuit, I made a one-time payment using a debit card. I do not recall authorizing any recurring payments, providing a check for processing, or agreeing to any ongoing payment arrangement. I am concerned that the collectors records may be inaccurate and that they are attempting to collect based on incorrect payment information. The letter references a specific check number even though my prior payment was made by debit card. I have made repeated efforts to communicate directly with the collector but have been unable to do so. My phone calls are not answered, and their online account portal does not function properly for me. I have been unable to access my account information, review any alleged payment authorization, verify the balance, or obtain clarification regarding the collection notices being sent to me. Because I can not reach anyone and can not access my account online, I have been unable to resolve these concerns directly. I am also sending a written request directly to the collector seeking clarification and proof of any alleged payment authorization. I respectfully request that the collector : 1. Update their records to accurately reflect that I receive disability benefits and that the court found me exempt and currently unable to pay. 2. Correct any inaccurate information regarding payment arrangements or scheduled payments. 3. Cease sending notices indicating that payments will be processed unless valid authorization exists. 4. Ensure that no unauthorized payment attempts are made. 5. Provide a reliable way for me to access my account information and communicate regarding this matter. I have attached the collection letter and court records showing the judgment and the courts finding that I am exempt and currently unable to pay.

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 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/XXXX I was offered an account bonus for contributing new funds to my existing Marcus savings account number XXXX I fulfilled the responsibilities of the offer transferring funds before the deadline totalling {$50000.00} and maintaining as instructed. They are claiming I never enrolled in the offer but I did click enroll as instructed. It is their system error not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Collection Account To Whom It May Concern : 1 am writing to dispute inaccurate information appearing on my XXXX credit report pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. The account I am disputing is : Collection Agency : XXXX XXXX XXXX XXXX Creditor : Comenity Capital Bank Reported balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1900.00} Needs Attention Overview You have 100 % left to pay on this collection. Balance {$1900.00} Highest Balance {$1900.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type Derogatory Responsibility Individual Original Creditor Name PNC BANK N A Closed No Info -- -- -- -- -- -- -- -- -- -- Hard Inquiry XXXX XXXX Inquiry : XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- - CLOSED ACCOUNT XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1400.00} Closed -- -- -- -- -- -- -- -- -- -- XXXX Reported : XXXX. XXXX, XXXX {$2800.00} Closed Balance {$2800.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( 1 yr, 8 mos ) Term 24 months Derogatory Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Closed XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Omega RMS, LLC
State: MS

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I called CitiBank on XX/XX/2026 to cancel and close my Citi XXXX XXXX card because the annual fee was coming up and I no longer wanted a card with an annual fee. They informed me that I could downgrade and convert the account to a different card that doesn't have the annual fee. I agreed and selected the Citi XXXX XXXX. On XX/XX/2026 I was charged {$95.00} on my account for an annual fee. I messaged Citi on XX/XX/2026 asking why the fee was charged when they said I wouldn't be charged a fee. They said that it would be charged and I would need to pay it, and then it would be refunded in 1-2 billing cycles. ( Attached image ) I paid the {$95.00} annual fee on XX/XX/2026. On XX/XX/2026 I received a refund back posted to XX/XX/2026 for {$79.00}. I called Citi on XX/XX/2026 asking why I didn't get a full refund of the annual fee and they said that it was prorated. They refused to refund the difference and also refused to escalate the situation when I asked to speak to a supervisor about it.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony was supposed to close an account which they had overcharged interest to the account. They stated that if we had paid {$3000.00} by XX/XX/2026 then they would close the account. This all came about from a CFPB complaint I had made previsouly. This payment was made yet yeah are still trying to collect debt for interest accrued AFTER XX/XX/2026 and have assessed late fees. This is also impacting my credit score and is completely unacceptable and must be remediated immediately or I will be taking legal action against them. I have attached the appropriate documents : - Original complaint - Synchrony 's response. - Account statement which outlines my payment details and inappropriately charged interest / fees.

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 2026-06-08 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: American Credit Acceptance, LLC
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: ME

Complaint narrative:
Debit from my bank to pay for XXXX pass through entity called XXXX. Charge showed up as " Upgrade Inc '' which was not recognized. An ACH documented transfer of funds from my bank to Upgrade occurred without evidence of any return of funds and no application of that withdrawn money being attributed to my account at XXXXUpgrade. Multiple calls to Upgrade have led nowhere and they are unable or unwilling to provide proof of return of that money to my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA posted transactions labeled " TAX WITHHELD '' to my accounts. When I contacted the bank, representatives were unable to identify where the funds were sent, whether the funds were remitted to the IRS, whether my accounts are subject to backup withholding, or the authority under which the transactions were made. My concern is not the amounts, but that a federally regulated bank should be able to explain the source, destination, and purpose of transactions posted to customer accounts. On XX/XX/XXXX, {$0.00} was withheld from my checking account and titled " Taxes withheld '' and then again on XX/XX/XXXX, {$0.00} was withheld from my savings account ( Both at USAA Federal Bank ). I spoke to a representative and asked for a trace number, transaction number, or routing number, but he was unable to provide that or where the money was sent. Another representative told me the transactions were initiated by USAA because I didn't have a XXXX on file. I had a XXXX on file for one account, but not the other so perhaps the claim is of tax withhold is valid for one account, but certainly not the other.

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