vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint regarding a check drawn from a Bank of America account that was deposited into my U.S. Bank account on or around XX/XX/XXXX. This check was later determined by U.S. Bank to be altered or fictitious, which resulted in a negative balance of {$7400.00} in my account. I did not issue, authorize, or have any prior knowledge of this check. This transaction is the result of fraud. After receiving a substitute check, I observed that the payee name does not match me and that the signature appears to be forged. Additionally, XXXX has indicated that the check is not associated with me, further supporting that this was a fraudulent instrument. There are also indications of unauthorized access to my account, including an unrecognized mobile device associated with the transaction. I did not authorize any such device to access my account. This suggests that my account may have been compromised as part of an account takeover, and that the check was deposited without my knowledge or authorization. In XX/XX/XXXX, I contacted Bank of America to request an investigation into this check and to obtain documentation regarding its authenticity and origin. Specifically, I requested confirmation of whether the check was legitimate and information about the account from which it was issued. Despite this request, I have not received any response. This lack of response has prevented me from resolving an ongoing dispute with U.S. Bank, which continues to hold me financially responsible for a fraudulent transaction. I am requesting that Bank of America investigate the check, confirm whether it was fraudulent or altered, and provide written documentation of their findings.

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 2026-04-15 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: IL

Complaint narrative:
I made a purchase using PayPal Credit, but I never received the item. The seller provided a fake tracking number that only shows delivered to my ZIP code, not my address. The delivery photo is not my home, and the package weight does not match what I ordered. PayPal automatically closed my Item Not Received case just because the tracking said delivered, without checking the address, photo, or weight. A PayPal customer service agent then told me to file a chargeback with PayPal Credit, which I did. PayPal Credit denied my dispute without reviewing the evidence. The seller later deleted their account or was banned, which shows this was a scam. I am requesting that Synchrony Bank reopen the dispute, properly investigate it, and remove the fraudulent charge from my PayPal Credit 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made a member-to-member transfer through Navy Federal Credit Union in the amount of {$1000.00} on XX/XX/year>, but the transfer was sent to the wrong member by mistake. The funds were intended for a different Navy Federal member. I reported the error the same day the transfer was made, which showed as pending on my account the whole day. The next day, I was informed that Navy Federal had transferred the funds from the recipients closed business account ( which was where I mistakenly sent money to ) to his personal account and then applied the funds to his delinquent credit card debt through right of offset. I did not authorize any payment to this individuals personal account or credit card. The funds did not belong to that individual and were sent in error. The recipient also confirmed that the funds were not his and were sent by mistake. Navy Federal is now stating that I may only receive a portion of my funds depending on the recipients debt settlement, which is not acceptable since the funds were never intended to pay his debt. I am requesting full return of my {$1000.00} and reversal of the offset applied to the other members delinquent account. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a paypal account XXXX. The account was blocked and the money {$3300.00} was frozen for 180 days. More than two years have passed since the account was blocked with my money, but the money is still not available for withdrawal. I've called them many times and written letters, but they still haven't helped me withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
Subject : Urgent Complaint Unauthorized Duplicate Withdrawals, Financial Harm, and Failure to Remediate I am filing a formal complaint against NBT Bank regarding a significant processing error that has resulted in unauthorized duplicate withdrawals exceeding {$3000.00} from my account. On XX/XX/XXXX, I identified multiple duplicate charges. I immediately contacted the respective vendors, each of whom confirmed that only XXXX legitimate payment was processed, establishing that the duplication originated from the banks internal systems. I then contacted the XXXX branch, where a representative acknowledged that this is a known, widespread issue impacting multiple customers. Despite this acknowledgment, I was informed that there is no defined resolution timeline and no immediate corrective action available. As of XX/XX/XXXX, these unauthorized duplicate transactions remain on my account. I have not been issued provisional credit, nor have I received any meaningful communication, updates, or remediation plan from the bank. This has resulted in restricted access to my funds and has created ongoing financial harm and risk, including potential overdraft fees, missed payments, and negative downstream financial impacts. This situation reflects a failure in basic banking obligations, including safeguarding customer funds, timely error resolution, and transparent communication. The lack of urgency and absence of interim reliefsuch as provisional creditare unacceptable given the scale and acknowledged nature of the error. I am requesting immediate intervention and corrective action, including : Full and immediate reversal of all duplicate transactions Issuance of provisional credit without further delay Reimbursement of any fees or financial damages incurred as a result of this error A formal explanation of the cause of this issue and steps being taken to prevent recurrence If this matter is not resolved promptly, I am prepared to pursue all available regulatory and legal action.

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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX - XXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXX XXXX - XXXX Account Name : XXXX XXXXXXXX - XXXX Account Name : XXXX XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - PLEASE DELETE THIS ASAP! EMPLOYER - XXXX - PLEASE DELETE THIS ASAP!

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.

Complaint narrative:
I am a business customer using Mercury. A check in the amount of {$23000.00}, issued to XXXX XXXX, was mailed on XX/XX/XXXX to an incorrect address and is now potentially in the possession of an unknown third party. I have contacted Mercury multiple times via email but have received no response. This situation presents a serious financial security risk, as the check may be lost or misused. I urgently need Mercury to take immediate action to : 1. Stop payment on the original check 2. Reissue a new check to the correct address The lack of response from Mercury has left me unable to secure my funds and resolve this issue. I am requesting immediate assistance and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: GA

Complaint narrative:
I initiated a withdrawal of {$99.00} from my Skrill account to my bank XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year> ( Transaction ID : XXXX ). Skrill marked the transaction as Completed, however, my bank has confirmed that no deposit or transfer was ever received. It has now been well beyond the expected processing timeframe. I have contacted Skrill multiple times and have not received a resolution or proof of transfer such as a trace/ARN/SWIFT number. If the transaction was truly completed, Skrill should be able to provide traceable proof. If not, the funds were not delivered and must be returned to my account immediately. I am requesting that Skrill either : 1. Provide a valid trace number so my bank can locate the funds, OR 2. Return the {$99.00} to my Skrill account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
I am submitting a formal complaint against MOHELA regarding serious servicing failures, lack of communication, and the financial hardship their actions have caused my family. My student loans were transferred from XXXX to MOHELA without my knowledge or proper notification. This unexpected transfer created immediate confusion regarding my loan status, repayment terms, and account access. Since the transfer, I have made repeated attempts to contact MOHELA to obtain accurate information and assistance ; however, their customer service has been extremely difficult to navigate. I have experienced long delays, lack of responsiveness, and an inability to receive clear, consistent, or helpful guidance regarding my loans. Additionally, I previously submitted a complaint related to issues with my school, yet I have not received any meaningful follow-up or support from MOHELA. Their failure to address this concern has left my account unresolved and has contributed to ongoing stress and uncertainty. This situation has caused significant financial harm to my household. My husband is an active-duty service member, and the instability caused by MOHELAs poor servicing, combined with the financial demands of military life, has made it increasingly difficult for us to manage our obligations. The lack of transparency and support has directly impacted our ability to make informed financial decisions and maintain stability. I have made good faith efforts to resolve these issues and remain compliant with my loan obligations, but MOHELAs inadequate communication and servicing failures have made that nearly impossible. I am requesting immediate corrective action, including a full review of my account, clear and accurate communication regarding my loan status, and consideration for full discharge or appropriate relief due to the hardship and servicing failures I have experienced. At a minimum, I request removal of any interest, fees, or penalties that may have accrued as a result of these issues, as well as placement into an affordable repayment option while this matter is under review. MOHELAs handling of my account has been unacceptable, and I am seeking intervention to ensure accountability and a fair resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Subject : Formal Complaint Wrongful Denial of Refund Dispute To Whom It May Concern, I am filing a formal complaint regarding a dispute that has been repeatedly denied by PayPal, despite clear and documented proof that a refund was issued by the merchant. The merchant, XXXX, has confirmed multiple times that my refund was successfully processed and has advised me to contact PayPal directly, as the payment was made through your platform. I have submitted this proofincluding screenshots of my communications with XXXXon more than XXXX occasions through PayPals dispute and appeal process. Despite providing sufficient and consistent documentation, my claim continues to be denied without a clear or reasonable explanation. This raises serious concerns regarding the handling and review of my case and has caused significant financial inconvenience and distress. I am formally requesting the following : 1. A complete and thorough review of my case by a disputes specialist or supervisor 2. A detailed written explanation outlining the specific reason ( s ) my evidence has been rejected 3. Immediate action to locate, trace, and return my refunded funds If this issue is not resolved promptly, I will proceed with further escalation through appropriate regulatory agencies, including the Consumer Financial Protection Bureau and the Better Business Bureau. I expect a fair, transparent, and timely resolution to this matter. Sincerely, XXXX XXXX XXXX XXXX ID : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am submitting this complaint regarding a returned payment fee that I believe was charged in error on my CareCredit account serviced by Synchrony Bank. I was charged a {$30.00} returned payment fee after being informed that the payment I submitted had an invalid account number. However, I am confident that I entered the correct bank account and routing number, and there were sufficient funds available at the time the payment was made. Since then, I made another payment using a different bank account, and that payment was successfully processed. My balance has otherwise been paid ; however, the {$30.00} returned payment fee remains on my account. I contacted customer service and escalated the issue to a supervisor. I was told that the fee could not be reversed, and no meaningful investigation into the issue was conducted. The customer service I received was also dismissive and unhelpful and very rude even the supervisor named XXXX. I entered the correct account information and was told the issue was due to an invalid account number. I am requesting a one-time courtesy reversal of the {$30.00} returned payment fee that is still currently being charged on my 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Opened an account with American Express BlueBird. had been a customer for a few years. I started going to XXXX to put my gambling winnings into the account. they flagged the account because this was unusual. I sent them several letters with copies of my ID and S.S number wanting the account closed and money returned in a cashiers check. I got nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TX

Complaint narrative:
I am filing this complaint against Bank of America regarding the closure of my deposit account ending in XXXX, the blocking of my account access, and the banks interference with my ability to pursue major active disputes. Bank of America sent me a letter dated XX/XX/year> stating that it decided to close my deposit account ending in XXXX. The notice also says my online banking access for this account is no longer available, that the decision is final, and that it may affect my ability to open a checking or savings account in the future. A related notice states that this decision may be reported to XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX for up to XXXX years. At the time Bank of America blocked my access, I had an active dispute for approximately {$39000.00} and another active dispute for approximately {$15000.00} involving XXXX. I also have additional disputes that I still need to file with a different company, but I can not review the needed transaction details because Bank of America blocked my access to the account. By closing the account and cutting off my access while these disputes remain unresolved, Bank of America has prevented me from reviewing my records, monitoring ongoing disputes, gathering evidence, and filing additional disputes in a timely manner. This has caused serious financial harm and may also damage my banking record if inaccurate or incomplete information is reported to XXXX XXXX or XXXX XXXX XXXX I am requesting that Bank of America be required to provide a written explanation for the closure, give me access to my statements, transaction history, and dispute records, fully review the approximately {$39000.00} XXXX dispute and the approximately {$15000.00} XXXX dispute and more, provide access to the information I need to file the remaining disputes, confirm whether it has reported or intends to report this matter to XXXX XXXX or XXXX XXXX XXXX, correct any inaccurate reporting, and release any remaining funds promptly.

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 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi the company name Citibank they was providing me a credit card on XXXX I was paid them Good on XXXX someone scamming my money on my credit card I contacted Citibank to resolve their issue and they are not responding and after I lost my job for year went to unemployment to paid rent I was almost homeless at this time how do I paid them back and I went to court explain a letter address to the judge about that people keep persisting me and went directly to my home bringing me some letters

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc.
State: MO

Complaint narrative:
I am filing this complaint regarding restricted funds held by Blockchain.com. An account associated with Blockchain.com currently holds cryptocurrency funds that belong to me, with a value exceeding {$14000.00} ( previously over {$23000.00} before market fluctuations ). These funds were transferred through legitimate transactions, and I have provided supporting transaction history and documentation to demonstrate beneficial ownership. However, Blockchain.com has restricted the account and refuses to release the funds. Their stated reason is that the account was originally verified under another individuals name, and they will only return the funds to that individual regardless of the actual source or ownership of the funds. I have made multiple attempts to resolve this issue directly with their support team, including submitting identity verification documents, transaction records, and additional requested information. Despite my cooperation, they have closed my case and stated that no further escalation will take place. This situation has resulted in my funds being effectively held without a clear resolution process, even though I have demonstrated that the funds belong to me. Blockchain.com has also acknowledged that they will only act if the originally verified account holder contacts them, which is not currently possible. I am requesting that Blockchain.com : 1. Conduct a formal review of the evidence of beneficial ownership I have submitted 2. Provide a clear and fair resolution process for cases involving disputed ownership 3. Release my funds or provide a legally supported explanation for continued restriction I believe this situation is unfair and lacks a reasonable path for resolution, leaving me without access to my funds. I am seeking assistance from the CFPB to facilitate a fair outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I Just recently looked at my report from XXXX on XX/XX/year>, and I saw some hard inquiries that are the result of identity theft. Please block and/or remove all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within XXXX business days of receipt. This account is causing me hardship and it is hindering me from obtaining new credit. 1.Truist Bank XXXX XX/XX/year> ) Please block and/or remove all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ).

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