vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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:
This refers my complaint nos XXXX & XXXX. In continuation to earlier above complaints, i would like to bring to your kind attention that I need to get my refund of XXXX USD which i lost during the multi layer scam in the ( period from XXXX to XX/XX/XXXX ) where i innocently lost huge amount of money ( XXXX, have each and every evidence ) USD. The similar issue with DIME bank considered my request and refund got approved immediately after 3 months ( XX/XX/XXXX ) of claim. I have lost all my savings in the multi layer scam. Please consider my request or I may have to file a legal suit in the court of law against Bank of America if i do not get my refund of XXXX USD in 15 days of time as its already delayed for more than 2 years now. Once the legal Suit is filed in the court of law it will cost more for BOA where in BOA may have to bear my huge damages, losses, time + legal charges along with BOA legal charges on its own. Hence, being a loyal customer of 11 years i am kindly requesting you finally to consider my original claim XXXX USD and help me on humanitarian grounds at least. Its the responsibility of financial institute to help or protect from scam or fraud victims during the unfortunate situations develops, as all customers repose confidence and feel safety and security with Banks. Also since last two years ( XXXX ) i could not open any new bank accounts any where in the USA, lost my credibility in the market, lost many jobs due to existing other bank account closure as they treated me defaulter, phycological disturbance being a victim on one hand and on the other hand problems with BOA ) due to Bank of America reported my name to XXXX XXXX and XXXX XXXX XXXX. " Thanks god ' now i am little relaxed that XXXX XXXX and XXXX XXXX XXXX has removed my name, i got confirmation couple of days ago. Bank Of America is very much responsible for the losses and damages experienced during the lost two years for its negligence and improper risk mitigation plans or no proper mechanism to detect or find out the fake cheques at the counter when any one is presenting, which could have avoided my huge loss. The scam or fraud can happen in any way its not mandatory that it should happen only as expected by Bank of America, this is reality. Unfortunately i am one of them.

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 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Received a XXXX payday loan, but they are requesting {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Firstsource Business Process Services, LLC
State: LA

Complaint narrative:
I am filing this complaint for violations of consumer protection laws and the Fair Credit Reporting Act ( FCRA ) related to inaccurate credit reporting and failure to investigate disputed information. Experian is reporting multiple negative accounts, including charge-offs, collections, and late payments, that are inaccurate, incomplete, and/or unverifiable. I formally disputed these accounts ; however, Experian failed to conduct a reasonable reinvestigation as required under federal law. The company continues to report misleading and inconsistent information. Additionally, these accounts contain clear XXXX XXXX compliance violations, including : Inaccurate account status codes Improper payment histories Missing or incorrect Date of First Delinquency Continued late payment reporting after charge-off Inconsistent account balances and histories These actions violate : Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) Louisiana XXXX XXXX XXXX and XXXX XXXX XXXX ( La. XXXX. XXXX et seq. ) Despite multiple disputes and requests for validation, the company has failed to provide documentation such as original contracts, payment histories, or proof of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: Velocity Portfolio Group
State: FL

Complaint narrative:
I was a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling I lost my wallet, phone, laptop and all my identity documents which led to unauthorized individuals gaining access to my personal information and opened these accounts Velocity Investment llc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I submitted a XXXX XXXX to Repayment application on XX/XX/XXXX, and it remains pending with no decision. Based on the XXXX v. XXXX settlement, I believe I am a post-class applicant entitled to a decision on or before XX/XX/XXXX. I am requesting confirmation of : XXXX. My classification under the settlement ( post-class status ) XXXX. My official decision deadline XXXX. The current status of my application XXXX. Confirmation of full relief of all student loans in my defense application dated XX/XX/XXXX XXXX. The date my full relief will take effect XXXX. Any additional steps I need to take to have my full relief of all loans processed XXXX on the enclosed information from the XXXX XXXX XXXX website, it does appear that I am entitled to full relief. I called and spoke to the Department of Education the morning of XX/XX/XXXX, and requested the information above. I was told a decision on my application had not been made yet. The representative told me I could submit an escalation request using the " feedback '' option on the XXXX XXXX XXXX website. This step was completed on XX/XX/XXXX. I have also sent the Department of Education a letter in the mail requesting this same information. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Company : American Express Product : Credit Card Issue : XXXX XXXX XXXX XXXX Credit Card approval date : XX/XX/XXXX Credit Card delivery date : XX/XX/XXXX Spending limit requirement met on XX/XX/XXXX Complaint : I applied for and was approved for a credit card with American Express that included a welcome bonus requiring a {$1000.00} of spending within XX/XX/XXXX days and the bonus was {$300.00}. However, I did not receive the physical card after approval and had to contact American Express to request that the card be sent again. Due to this issue, I received the card approximately XXXX weeks later than expected. As a result, I lost a significant portion of the XXXX spending period required to qualify for the welcome bonus. I did not have the ability to use the card during this time because I had not received it and if I didnt call the company I would have never received the credit card. I contacted American Express regarding this issue several time through phone calls and online chat and I requested an extension of the promotional period or to apply the bonus manually. I reached the {$1000.00} spending limit on XX/XX/XXXX ( after XX/XX/XXXXdays from credit card approval but before 90 days from the date the card was received ). However, the issue has not been resolved satisfactorily. Because the delay in receiving the card was outside of my control, I believe it is unfair that the promotional period was not adjusted to reflect the time I actually had access to the card. Meanwhile, Amex did not issue a virtual card and they didnt have a bonus tracker like many banks do. Requested Resolution : I am requesting that American Express : Honor the welcome bonus despite purchase requirement was met after XXXX from the credit card approval date because it was their fault that the card never came. I am uploading documentation regarding the credit card approval, welcome bonus and credit card delivery, chat with Amex regarding the issue and the screenshots of my bank statements showing the purchase amount which is already met. I appreciate your assistance in resolving this matter. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: Block, Inc.
State: NJ

Complaint narrative:
My funds of {$720.00} in my XXXX account have been held for more than 180 days. I have not received any request for documents or additional information from XXXX, and my account is still under review. I have contacted XXXX support multiple times via email, but I have not received any response or clear instructions on how to access my funds. I am requesting immediate release of my funds or a specific list of required documents and a clear timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My checking account with Navy Federal Credit Union was closed on XX/XX/year>, with a remaining balance of {$1900.00}. I have been repeatedly told the account is under review, but I have been given no explanation, no expected timeline, and no indication of when my funds will be returned. I am not aware of any suspicious or fraudulent activity on my account, and no transactions occurred prior to closure that would justify this delay. It has now been several weeks, and my funds are still being withheld without clear justification. I am requesting the immediate release of my remaining balance or a written explanation detailing the specific reason for the hold and the exact date my funds will be returned. If this matter is not resolved promptly, I request regulatory review of this delay and withholding of funds.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: ID

Complaint narrative:
Have been repeatedly asked to verify my identity after Ive repeatedly told them I am not the person they are looking for. I havent given any information and have given them plenty of chances to stop communication under threat of being reported. Me saying I am not the person they are looking for should be enough to stop all communication between them and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had an account with Marcus by Goldman Sachs, which was restricted and later closed on XX/XX/year>. Despite the account being closed, I have not received my funds. I have contacted customer service multiple times, but they have been unable to confirm whether the funds have been issued. No ACH transfer has been received in my XXXX XXXX XXXXXXXX account, and no check has been delivered to my mailing address. I am requesting immediate clarification on the status of my funds and that they be returned to me without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-30 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
In late XX/XX/year>, I received a total of approximately {$1800.00} sent by family through PayPal for an urgent personal emergency. This was not a business transaction or sale. The payment was incorrectly processed as a XXXXXXXX XXXX XXXXXXXX transaction, and PayPal placed a hold on the funds. A fee was also deducted from the payment. Only a partial amount ( approximately {$200.00} ) was released, while the remaining balance continues to be restricted. On XX/XX/year> and XX/XX/year>, I made multiple attempts to resolve this issue by contacting PayPal customer support. I spoke with several representatives across different departments, including dedicated support and limitation teams. During these interactions, I received conflicting and inconsistent information. Some representatives stated that the transaction was flagged due to internal security systems. Others advised that the funds could be released if the transaction was confirmed, while some incorrectly suggested that the sender request a refund, which is not applicable and not available in this situation. I also uploaded documentation to confirm that this was a personal transaction. Despite this, the hold remains, and I have been told at different times that the funds could be released soon, while other representatives indicated the funds may be held for up to 180 days. Due to this issue, I have been unable to access money that was sent for emergency personal use. I was forced to attempt alternative methods, including contacting PayPal repeatedly throughout the day and exploring other withdrawal options, without resolution. PayPal has failed to provide a clear or consistent explanation for the hold, and has not provided a reliable path to release the funds despite multiple attempts to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Back in XX/XX/XXXX, I wanted XXXX XXXX for XXXX, but XXXX and XXXX were working together. I had to rent a car under the XXXX program with XXXX. I put the down payment for the car. I drove the car for XXXX to XXXX weeks. I received a text first, in regards to returning the car to XXXX because of a recall on the car. A couple days later, XXXX sent me an email about the car saying they I needed to return the car, because of a recall on the car. So, at the end of XX/XX/XXXX or XX/XX/XXXX of XXXX. I returned the car back to XXXX, XXXX of the associates that I returned the car to. He told me that I wouldnt be charged and they would refund me the money, because of the recall on the car. The following week, XXXX took funds out of my account with Bank of America. So, I called XXXX, about the transaction and the supervisor over the program was trying to negotiate with me in regards of the return of the car. I went on to tell the associate that I was told that, I would get a refund because of the car and the situation.Uber and XXXX wouldnt refund the money, so I went on the The Bank of America app, and disputed the charges that were taken out of my account. The bank done a investigation, they sent over their documents but didnt ask for my documents, until I called about the situation. It was a lot of back and forth about them closing the claim, and me continuously calling to have to properly investigate that claim. They wouldnt help resolve the problem inspite, I had evidence and documents about the recall on the XXXX XXXX. I just want my refund, that was taken without my permission.

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 2026-03-30 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I have maintained a XXXX credit card that is serviced by Chase Banks. I noted via my credit report, the limit of that account was cut in half suddenly in XXXX. I reached out to Chase via phone and they advised it was decreased for inactivity for a period of two months, XXXX XXXX to XX/XX/XXXX. Per Chase, they mailed a letter directing me to use the account or risk a credit limit reduction which had been at {$13000.00} since the account was opened in XXXX. My spending XXXX and flows on that account, and it can span two months or so before the account is used, tied to my XXXX account. I reached out via email to appeal the credit limit reduction despite my salary going up and having excellent credit. This did impact my credit score a few points and reduced my overall line of available credit which I have worked hard to maintain. I did not receive the letter from Chase that directed me to use the account. I did receive marketing mailings about opening a new line of credit from those and still do to this day. I am frustrated that the remedy is to monthly go in to request a credit limit increase for which they say I am not eligible for and I am being unfairly targeted. I believe the reduction unethical given the history of usage on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Subject : Failure to execute identified remediation for second unauthorized service. Issue Details : Wells Fargo 's Internal Consumer Redress Review Program identified two unauthorized services opened in my name. The bank follows a two-step remediation process : an initial small check followed by a Pre-Mediation Form to request a larger settlement sum. For Service # 1 ( Ref # XXXX ), I successfully completed this process and received the increased payout. For Service # 2 ( Ref # XXXX ), I have received XXXX correspondenceno initial check and no Pre-Mediation Form. On XX/XX/year>, I contacted the XXXX team escalation line ( XXXX ). I provided the agent with a Tracking ID ( XXXX ) provided by a senior agent, which ties these cases together. Despite this evidence, the agent claimed the file could not be located in their database and disconnected the call without escalating to a supervisor. The bank has admitted to the violation but is failing to provide the redress paperwork or payment.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Validation of Debt Request - CREDENCE RM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief