vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am part of a savings circle called XXXX ( XXXX ). In this arrangement, a group of seven people each contributes {$500.00} twice a month ( on the XXXX and XXXX ), and the total collected amount is given to one member on a rotating schedule until everyone has received their payout. On XX/XX/2026, it was another members turn to receive the payout, and I attempted to send my {$500.00} contribution via XXXX. However, I mistakenly entered one incorrect digit in the recipients phone number. As a result, the money was sent to the wrong person. I did not realize the error at the time because the transaction appeared under a name that I did not recognize or expect. Once I noticed the mistake, I immediately contacted Wells Fargo to report the issue. They opened a claim and advised me to wait 10 days for investigation. I followed up on XX/XX/2026 and was informed that the claim was denied. I am struggling to understand this decision, as while I acknowledge that I authorized the transaction, it was clearly an accidental misdirected payment due to a minor input error. Additionally, the recipient is also a Wells Fargo customer, which makes me hope there may be a way for the bank to intervene or contact them on my behalf. I attempted to reach the individual myself, but after they answered and realized the reason for my call, they blocked my number. I also tried texting them with no response. I am now in a difficult position because I still owe the intended recipient in my savings circle, and they are waiting for the payment. I would really appreciate any help or guidance on what further steps I can take to recover these funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 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:
XXXX XXXX XXXX XXXX, a new debit card (ending in XXXX) was mailed to my residence but never arrived. While the card was still in transit and unactivated, an unauthorized transaction of XXXX occurred on XXXX XXXX XXXXI immediately reported this to the bank\'s fraud department. Despite the bank\'s own system flagging the initial attempt as suspicious, they allowed a second identical transaction to process after my explicit notification of fraud. On XXXX XXXX, the bank denied my claim without a proper investigation, labeling it "authorized."XXXXI have since filed official reports with the XXXX XXXX XXXX (Case #XXXX), the FTC (#XXXX), and the U.S. Postal Inspection Service (USPIS Case #XXXX XXXX XXXX XXXX). Most recently, when I requested the USPS tracking number for the stolen card to assist the federal investigation, the bank refused to provide it, claiming they cannot access records for a deactivated card. This refusal obstructs the investigation into federal mail theft and shows a lack of due diligence in resolving this high-value fraud case.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I opened a XXXX XXXX through Barclays Bank specifically because they were offering a 0 % balance transfer. I activated the offer on XX/XX/year> and did XXXX balance transfers. I received reference numbers for each transfer. After receiving my monthly statement I noticed no transfers had gone through. I called Barclays bank and provided all information. I spoke with XXXX different people over XXXX days and all told me they could see I activated the offer but have no record of the transfers. And my offer expired so there was nothing they could do. The last XXXX I spoke with said he would initiate a technical ticket to investigate and try to recover the information but it probably wont yield anything. For days Ive tried to resolve this to no avail. It feels like a bait and switch. I used the card to make a purchase to activate an offer and then didnt receive the balance transfers but apparently will receive mileage from XXXX which was not the reason I opened the card.

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: MA

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 — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi I open an account on a Bank on XX/XX/year> whit XXXX dollars and use around XXXX dollar 's then I have to fly to my country to visiting my parents and I stay like 3 months when I come bank I go to the bank for the money and they told me this They closed the account and send me a check with the balance a check that I never received. Because I dont leave there anymore Since then I been back to the bank like 4 times no answer and last time the told me to call unclaimed property and I call them and they told me the dont receive anything The account was open in XXXX Ca XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am formally requesting a reopening and full review of multiple disputed charges related to home renovation services that were either incomplete or never properly provided. I hired a XXXXontractor for demolition, plumbing, shower installation, bathtub replacement, and ceramic tile installation services. Payments were made in good faith using my American Express cards. After receiving payment, the contractor became unresponsive, failed to complete the agreed work, and effectively disappeared. The disputed charges are as follows : Demolition and debris removal service {$990.00} American Express card ending in XXXX Transaction date : XX/XX/year> Demolition and plumbing for XXXX sinks {$3400.00} American Express card ending in XXXX Transaction date : XX/XX/year> Plumbing service shower installation and bathtub replacement {$4600.00} American Express card ending in XXXX Transaction date : XX/XX/year> Plumbing service second bathroom shower {$4600.00} American Express card ending in XXXX Transaction date : XX/XX/year> Labor ceramic tile installation for XXXX bathrooms {$2100.00} American Express card ending in XXXX Transaction date : XX/XX/year> Despite multiple attempts to contact the merchant through phone calls and messages, the contractor stopped responding and abandoned the project. The services were incomplete, defective, or never fully delivered as agreed. I am disputing these charges under services not rendered / incomplete services. I did not receive the benefit of the transactions, and I should not be financially responsible for work that was abandoned. I respectfully request that American Express reopen these disputes, conduct a full investigation, and issue permanent credits for the disputed amounts. I am prepared to provide supporting documentation including screenshots of communication attempts, invoices, payment records, and photos of incomplete work. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I never open an account with this company. It is called Care Credit. The address that they have on file its not my address. I tried to speak to them a few times, but they didnt care. I want this removed as soon as possible from my credit report.

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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Account # XXXX I financed a XXXX XXXX XXXX XXXX thru Ally Financials. This loan was paid off via a refinance with XXXX XXXX on XX/XX/XXXX. Ally states that they sent over the title with a lien release to XXXX XXXX on XX/XX/XXXX. However, XXXX XXXX has not received the title. Since then, I paid XXXX XXXX in full. I am looking to trade in the vehicle at the dealership, however, the dealership sees that there is a lien on the title by Ally Financial. Ally stated that they would only send me ( the customer ) a lien release if XXXX XXXX Authorizes. XXXX XXXX, Ally and myself got on a three-way phone call where XXXX XXXX gave Ally the authorization to send the lien release. We established case # XXXX. Ally said that they can fax and overnight the lien release to me ( customer ). This happened on XX/XX/XXXX. At that point, it had been several days of me communicating with Ally. They said that it would take up to 48 hours for the process to be finalized and for me to receive the lien release. On XX/XX/XXXX, I called in the morning and they assured me that they were working on it and that I would get a lien release by end of day. on the afternoon of XX/XX/XXXX I called again and they said that their back office team " overlooked '' that XXXX XXXX had authorized the lien release to me and that they would have to resubmit the request to their back office team and that it would take another 48 hours. I explained to the supervisor named XXXX that I am in the middle of trading in the vehicle and that XXXX would only hold the vehicle that I am buying until Saturday XX/XX/XXXX. She said that she would expedite the request and that she would give me a call by XXXX XX/XX/XXXX. She never called. I just happened to call Ally and again the servicing rep tells me that they can't provide me with a lien release and that a lien release was sent to XXXX XXXX on XX/XX/XXXX. I again explain to them everything that has happened and requested for a supervisor. The supervisor again sees the case number and states that she is expediting the request. This has the potential of costing me upwards of {$8000.00} in damages. XXXX is giving me a {$2000.00} to pick the car that they have on inventory. Additionally, as part of the trade in, I will be getting {$3600.00} in tax credit. Additionally XXXX is giving me a trade-in value of {$65000.00} for the XXXX XXXX. As time passes on and mileage gets added to the vehicle, the trade in value will be affected. Ally Financial is causing me a financial burden when they have already been paid in full. XXXX XXXX paid off Ally Financial and they also have been paid in full and have authorized Ally to send me a lien release since they never received the title.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hi my name is XXXX XXXX. I have banked with XXXX for over a decade and had their credit card for several years no issue. Within the past couple years I paid off my balance on it and have not used it. With no prior warning my account was lowered from XXXX to XXXX. I called to ask for them to set my limit back because this made my credit score drop XXXX points. They said this was done because my account has been inactive too long and they are trying to prevent fraud and will not put my limit back but instead I can reapply to have my credit limit increased. I explained I will not be taking another credit hit for them to run an inquiry. They said nothing can be done for me. Thats my only option. Oh I want to include the note said my XXXX score was in the XXXX but I checked my XXXX score and it was in the XXXX range when they lowered 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 explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX Navy Federal Credit Union took out all the funds I had in my account which was {$1900.00} when I inquired why did they do that? I was told that they receive a hold armless request from XXXX XXXX XXXX XXXX, in the amount of {$2000.00}. However, since I didnt have the whole {$2000.00} in my account that took what I had, I was then informed that that money was going to be sent to XXXX XXXX XXXX XXXX . I didnt contacted XXXX XXXX XXXX XXXX about the request. I was told that they didnt know anything about it because my account was originally overdrafted at XXXX XXXX XXXX XXXX and I had sent a transfer to cover the overdraft, but they are ready had sent out the request for the hold armless ACH. I originally transferred from XXXX XXXX XXXX XXXX {$2000.00} to my Navy Federal Credit Union account but it overdrafted the XXXX account but once I realized the mistake I sent money back to XXXX to cover the overdraft. On XXXX XXXX is the date that XXXX XXXX shows that they took the money out but they had taken the money out three days earlier when I inquired the status of the money I was told that it was sent to XXXX XXXX XXXX XXXX on XX/XX/XXXX in the meantime, I have been calling XXXX asking them to cancel the request for the whole armless because they really received their money and I also inquired the Navy Federal Credit Union as to the whereabouts of the money because it had not arrived at XXXX, XXXX XXXX and it had been several days however now its been over a month and the money is still like an accountant for and every time I inquire with Navy Federal they tell me to call XXXX but theres no money in my XXXX account and there is no money in my Navy Federal account for the amount of {$1900.00}. Call Navy Federal again and ask to speak to a supervisor and requested the trace ID or a check number and the date and time that the money was sent over the XXXX and the only answer to keep giving me is I should call XXXX XXXX XXXX to inquire about it and whenever I call XXXX XXXX XXXX, they tell me to call me with Federal because they have not received any funds and its been going back-and-forth for weeks now and my money is still missing. Had I not notice the funds withdrawal from my account NFCU would have just kept my money ( it seems like that is exactly what they are doing right now ) Unless an employee stole the money at one of these institutions. but if NFCU sent the money out, why wont they provide me an exact date and time that the ACH was processed ( trace ID ).

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Since early 2023, I fought against identity theft on my Bank of America account. I responded to fraudulent charges by immediately notifying Bank of America upon recognition. I frequently had to verify my identity in person at a branch to regain access to my account, however it was quickly hijacked again. My contact information would be changed and another card would be sent to the thief. I would disable online banking on my account, the thief would simply reinstate it. Although the fraudulent address was reported to Bank of America many times, they continued to send new credit cards to the fraudulent address. I was forced to close my own account since Bank of America could not protect me. Although all charges were claimed as fraudulent and disputed, Bank of America continued to report deliquecies and then collection notices to the credit bureaus. In that time, the criminal has been caught, plead guilty to the crimes that Bank of America is holding me responsible for and has been sentenced. The police report has been provided to Bank of America no less than 6 times by mail and fax. Yet, Bank of America still denies my claims. For 3 years I have navigated with poor credit due to Bank of Americas negligence at great personal cost.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Valon Technologies, Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding the handling of our XXXX XXXX claim and mortgage servicing by XXXX Mortgage and the subsequent transfer of servicing to Valon Mortgage. Our property sustained a fire loss in XX/XX/XXXX. An XXXX XXXX check was issued ; however, on or around XX/XX/XXXX, XXXXXXXX XXXX informed us that the XXXX check could not include the independent XXXX as a payee and required that the check be reissued. This caused a significant delay, as we did not receive the reissued check until XX/XX/XXXX. The original process itself lasted until approximately XX/XX/XXXX. After receiving the reissued check, we immediately resubmitted it to XXXXXXXX XXXX with all required endorsements and signatures. Despite this, on or around XX/XX/XXXX, XXXX returned the check, incorrectly claiming that all required signatures were not present. In fact, the bank XXXX had properly signed the check. We returned the check again with written explanations clarifying the signatures. Throughout this process, we repeatedly contacted the company handling the insurance claim process, XXXX. We were instructed that we needed to submit the insurance adjusters worksheet in order for the claim to proceed. This documentation was submitted on or around XX/XX/XXXX. During XXXX of the calls between XX/XX/XXXX, and early XX/XX/XXXX, we were incorrectly informed that the property was considered a total loss and that the mortgage would be paid in full. This information was inaccurate, as the property was not deemed a total loss and we elected to repair the property. Compounding the issue further, on XX/XX/XXXX, servicing of our loan was transferred from XXXXXXXX XXXX XXXX Valon Mortgage while the insurance loss claim was still unresolved. Since the transfer, we have been unable to obtain clear information regarding where our XXXX settlement funds are being held. We have also been told that it may take an additional XXXX days or more before any meaningful information can be provided. This delay has caused severe financial hardship. We are continuing to lose rental income due to the inability to begin repairs, and contractors involved in the project are becoming increasingly frustrated and are threatening to withdraw from the work due to the delays caused by the mortgage servicers mishandling of the claim. I believe mortgage servicing should not be transferred while an active insurance loss claim is pending, particularly when settlement funds have not been properly processed or released. I am requesting assistance in obtaining the immediate release of our insurance settlement funds so that repairs can proceed without further financial damage.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I ordered TD Bank promotional 0 % charge credit card. Instead I received balance transfer only credit card. Spoke with bank customer service about XXXX times and requested to send me credit card I ordered, they " escalated '' the issue to Complaints Team several times with no resolution. Went to the branch but they didnt help either. Please ask TD Bank to send me credit charge card and waive any interest on balance transfer card I didnt order and have been using as a regular 0 % promotion credit card. 0 % promotion was until XX/XX/year> and I didnt expect any interest until then. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding Rocket Mortgage failing to properly issue and deliver an escrow overpayment refund in the amount of {$290.00}. According to Rocket Mortgage, the original refund check was issued on XX/XX/year>. However, I never received the check. On XX/XX/year>, I contacted customer service and was informed by the representative that, due to the missing check, an ACH deposit would instead be issued to resolve the matter. On XX/XX/year>, after still not receiving the funds, I contacted Rocket Mortgage again. During this call, I was informed by a different representative that the ACH deposit had never actually been processed and that a new paper check would now need to be mailed instead. I have now received conflicting and inaccurate information from multiple representatives, and more than a month has passed without delivery of funds owed to me. I am requesting that Rocket Mortgage immediately resolve this issue, confirm the status of the original check, and ensure prompt delivery of the refund.

Company response to consumer: Closed with explanation