vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I went to get a loan was approved and deposited it on my debit card after it was deposited Citi blocked my account. I have called and called to no avail I get people that don't care period! I have XXXX letters from them for verification and now I was told another verification and each time I call I get people I can't understand what they are saying. My utilities and were shut off and my rent now has a late fee I would like my funds released and the late fee paid for {$150.00} so I can pay with my rent. Asap! my husband was killed in military its just me and my kids no where to go.

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 2026-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> I ordered the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX debut XXXX from XXXX XXXX for a total of $ XXXXWhat I actually received was : XX/XX/year> : XXXX XXXX ( wrong color variant ) instead of the green one I ordered. XX/XX/year> : XXXX XXXX debut XXXX with seam splits on the top, bottom, and spine. The XXXX XXXX also has a seam split on the top edge. On XX/XX/year> ( the same day the damaged debut XXXX arrived ), I immediately emailed XXXX support with clear photos of the damage and asked what steps were needed for a replacement or return. XXXX representative XXXX replied the same day and refused to take any further action or issue a return authorization unless I removed the chargeback I had filed with Capital One.I made multiple good-faith attempts to resolve the issue directly with XXXX over several weeks, all documented in the attached email thread. XXXX never provided a return label, never replaced the damaged or incorrect items, and never followed their own 30-day return policy.Capital One initially issued a provisional credit, but has now ruled against me twice despite the photos, emails, and order details I provided. They claim my documentation is insufficient, even though I gave them everything they requested.I am asking for a full reversal of the {$73.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: DE

Complaint narrative:
I am requesting assistance with a credit reporting issue involving my auto loan with Westlake Financial. My account is currently marked with the remark account information disputed by consumer, which is negatively impacting my credit score by excluding or suppressing the account from scoring. I am NOT requesting removal of any valid late payments. I am requesting that the dispute remark be removed, as the dispute is no longer active. I have contacted the company multiple times by phone and email and have not been able to reach a live representative or receive a resolution. I was told my case would be forwarded, but I have received no follow-up. This issue is time-sensitive, as my loan is nearing payoff, and I need my account to report accurately before closure. I am requesting that the company : XXXX. Remove the dispute remark from my account XXXX. Confirm that the account is reporting normally to all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Chime Financial Inc
State: IL

Complaint narrative:
On the date of the transaction, I authorized a payment of {$5500.00} to purchase a used XXXX, under the merchant 's explicit representation that the vehicle was safe, structurally sound, and legally roadworthy. Upon inspection, it was discovered that the merchant committed fraud by intentionally concealing catastrophic, pre-existing structural defects. As shown in the attached photographic evidence, the primary frame rails and suspension mounting points are completely rotted through, delaminating, and flaking apart. Because the frame is structurally compromised, the vehicle is a severe safety hazard, can not legally or safely be operated on public roads, and holds zero commercial value. This is a dispute for " Goods Not as Described '' and merchant fraud. The merchant refused to resolve the issue or issue a refund for a dangerous, misrepresented product. I am requesting a full reversal of the {$5500.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LvNV funding is attempting to collect a debt from me that is not owed. This account is not mine and I have no knowledge of the account. My identity was used to open this account fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
XX/XX/XXXX XXXX received a called from XXXX XXXX from Synergetic Communication Inc. Address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Phone number XXXX. He said my case has been brought to them. I am charged {$10000.00} from their creditor XXXX AT XXXX. He said, XXXX at XXXX brought a case to them, saying I have lived at their complex for 6 months and has not paid a dim. I was shocked. I have never lived there. So, I asked him of eviction letter, lease document or apartment inspection document where keys were handed to me. He has not given me none of them. For the past six month is constant harassment from them, threatening me to submit my social security to all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
* * Complainant Information : * * * * * Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : * * Unknown ( Access to online banking is restricted by the bank ) * * Description of the issue : * * I am filing this official complaint against Huntington Bank for wrongfully withholding my funds and denying me access to my money for over a month. Around early XX/XX/year>, Huntington Bank notified me that my account would be closed. Since then, I have been waiting for the release of my remaining balance, which is exactly {$70.00}. I currently reside in Florida, where Huntington Bank has no physical branches, making it impossible for me to withdraw my money in person. The bank has failed to send me a closing check via mail, and they have restricted my online access, so I can not see my account number or use electronic transfer methods. On XX/XX/year>, I spoke with a bank supervisor who initiated an internal escalation case, but no immediate resolution or timeline was provided. It has been over 30 days, and the bank is still holding my money. I request that Huntington Bank immediately resolve this escalation and release my {$70.00} balance by mailing the closing check to my address via expedited shipping ( XXXX ), or contact me directly via email to arrange an electronic solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Several years ago, I signed a Bank of America account agreement that included language allowing them to offset funds for outstanding debts. However, Bank of America later transferred or sold this credit card debt to a collection agency. Despite this transfer, Bank of America took no action for months. Then, without any advance notice or opportunity to respond, Bank of America executed an offset against my account for {$1200.00} on XXXX XXXX, 2026. I received no notification before this action was taken. When I contacted their collections department to dispute the offset, they escalated my complaint and told me there was nothing they could do to reverse it. I am concerned that Bank of America is attempting to collect on a debt they no longer own, using an offset mechanism without proper notice or disclosure. I am requesting the CFPB investigate whether Bank of America properly disclosed this right of offset, whether they have legal authority to collect on a debt they allegedly sold, and whether their failure to provide notice violates consumer protection regulations. I am also requesting clarification on whether Bank of America can continue to execute offsets against my account without notice, and what protections exist to prevent future unauthorized offsets.

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 2026-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MD

Complaint narrative:
A fraud activity occurred with my account to which i filed a dispute for {$31.00} on XX/XX/XXXX and mailed and emailed the dispute to direct express which in formed me they were awaiting to hear from the merchant then i was told they had not received the dispute and they have. Not issued a provisional credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was misled about the cost on Gap Insurance. I was told " This would not affect my loan payment ''. That was not true as financing XXXX does add to my loan payment. The dealer tried to add this insurance to my loan as being free. I requested a refund the exact day of purchasing the vehicle which was XX/XX/year>. They have sent me proof of cancellation of the full XXXX and an email from Wells Fargo stating they would debit the dealership reserve and credit my account. It is now XX/XX/year> and this has not happened yet and Wells Fargo is saying they see nothing on their end to credit my account this refund.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
After reviewing my XXXX XXXX account I noticed account that was not correct I sent in documentation to XXXX XXXX in regards of the account having received any information that justifies the account in 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 non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have lost My Phone And Wallet, On XX/XX/year> In XXXX XXXX! This is in XXXX, near my home. My ID, Social, Passport, Credit Cards, Debit Cards, And Phone Was Lost. Someone received Access to my phone, bank accounts, phone numbers, etc. I was hacked after that. Nothing able to do. Every time, from then on, Any Transactions From then onwards that were going to anything saying, " XXXX XXXX '', XXXX XXXX Balanc, XXXX XXXX Balanc Sent, XXXX XXXX Sent, Etc. And Anything Going To XXXX In General, has not been by me. This is highly Illegal, and this is what has happened. If it has been authorized, it is because people had access to my phone. I am unable to do anything about that, and it is all in the same XXXX Location as I lost It here. This is not Right In general. Also, I have disputed these transactions from both of My Checking Accounts, From Account Ending in XXXX, and Account Ending in XXXX, and Reported for Fraud, as I gave no Information To Anyone, and I reported On XX/XX/year>, for Bank of America Checking Account Ending in XXXX, and Reported on XX/XX/year> For Bank of America Checking Account Ending in XXXX. Within 2 days, I received a response for both saying it was authorized. No real investigation, automated, and like a bot was seeing my case. This is highly illegal, and if it was truly me, there would be proof. There is no proof at all, which they need to provide that I made these transactions, in which I did not. This is a fraud that continues happening now. I need help!

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 2026-06-09 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: TRANSWORLD SYSTEMS INC
State: TX

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 2026-06-09 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: CA

Complaint narrative:
Today at XXXX XXXX XX/XX/year> I dialed XXXX spoke to XXXX XXXX refused to provide any more info ). I THREE times stated how I pronounce my name. She refused to accept my pronunciation and stated I do not want to state my name. This continuous harassment over my name with US Bank insisting me to be harassed by stating I have to call by phone and its representatives continuously and repeatedly insulting me over my national name/origin contributed to serious problems with my health which I am discussing with my physicians now, as this kind of phone abuse is very detrimental to my health.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Complaint Description : On [ XXXX XXXX ], Navy Federal Credit Union processed an unauthorized internal offset on my active account ending in [ XXXX ]. The credit union swept a total of {$52.00} from my available funds to cover an old, charged-off account debt.I contacted Navy Federal to dispute this seizure because the funds were strictly required for my essential living expenses. Following my internal dispute, Navy Federal only returned {$13.00} of my money, leaving {$39.00} still missing and withheld.I am filing this complaint because Navy Federals partial refund proves they can exercise discretion, yet they are aggressively withholding my remaining {$39.00}. I demand that Navy Federal reverse the remaining offset immediately and refund the remaining {$39.00} back into my active account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: WI

Complaint narrative:
On XX/XX/XXXX I called my child support card inquiring about a credit debit adjust on my account and why it happened after a thorough investigation my my end and being sent the concluding Investigative report. As of XX/XX/XXXX there was no information attached to this adjustment debit until after the fact where I was referred to the merchant and verified with the merchant that the charge showing on my account from XX/XX/XXXX was paid in cash and the investigation summary stated there were two transactions from XXXX that do not reflect on my account statement any where in the last year and a half for either amounts of {$40.00} and some change and {$5.00} totaling the amount of the credit debit adjustment triggering. I have involved the local police department about this fraud and the company Way2Go which contracts with child support has not tried to resolve or even help me to understand how these transactions were authorized as per federal law and state law regarding regulations and time frames have not been followed. They have in no way tried to resolve this issue nor have they reached out to the merchant themselves before concluding there investigation. As there are charges from XXXX still pending on my account. I am steadily being stone walled by the company being asked to resend new evidence to trigger an appeal which I have I also confirmed as of XX/XX/XXXX verified this as a internal triggered not stemming from any charge. This is illegal and never had this happen before. I just want my money back and to make this bank take responsibility for there illegal actions I have screen shot from XX/XX/XXXX and XX/XX/XXXX after there concluded investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year> we deposited cash into ATM and our funds was not available we called and was given the run around but ultimately being told we have to wait ten days for a cash deposit because of an ATM malfunction. We have all receipts and documents showing the deposit was made and still they would not give us our money.this is a crime I feel like the bank stole our money

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 2026-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: MA

Complaint narrative:
This account is from a previous lender, Global Lending Services, who has been sued for their prior illegal financial misconduct. This account has periodically been falsely reported on my credit profile as an open an auto loan with a $ 0/mo payment multiple times . Which was always disputed and returned to a closed account. Currently there is a payment on the account made XX/XX/year>. I called the company because we had not been in contact and wanted to know where the payment came from as it would extend the date for the removal of the account from my credit report. I called Global Lending Services on a recorded line. After a one-hour call, two unethical fiduciary representatives couldnt provide me with information about the source of the payment. No card number, account, or wire transfer were linked to the payment, which further proves the financial misconduct. I cited that this was illegal according to the FCRA and the employees stated that I was obligated to allow the institution to correct the error which I am not and they did not in fact rectify their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
I am submitting a complaint regarding a debt collector, Harris & Harris, collecting on behalf of XXXX XXXX. I acknowledge that the debt belongs to me. However, the collection agency has been contacting multiple family members in my household regarding me. The messages sent to my relatives include my name, which has caused embarrassment and concern. The agency already has my current contact information, including my phone number, mailing address, and email address, and has been contacting me directly as well. Despite this, my family members have continued to receive messages about me. I am requesting that the collection agency cease contacting my family members and communicate directly with me regarding this account.

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2026, I accidentally sent {$2000.00} through PayPal Friends & Family to the wrong PayPal account due to a recipient name confusion. The intended recipient was my wife. The PayPal account that received the funds had the same name as my wife, which caused me to mistakenly select the wrong recipient. I realized the mistake immediately and reported it to PayPal right away. I opened dispute case XXXX and explained that this was a mistaken-recipient payment. PayPal denied my dispute and subsequent appeal on the basis that the transaction was " processed correctly. '' I do not dispute that I authorized the transaction. My concern is that the funds were sent to an unintended recipient and PayPal did not provide any meaningful recovery assistance despite immediate reporting. I am requesting that PayPal conduct a higher-level review of this mistaken-recipient transfer, provide the documentation used in the investigation, and explain what recovery efforts were made after I reported the error. Transaction ID : XXXX Amount : {$2000.00} USD Case ID : XXXX Date of Transaction XXXX XX/XX/2026 XXXX

Company response to consumer: Closed with explanation