vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On [ XX/XX/year> ], I deposited a check into my Bank of America account for [ {$9500.00} ]. After depositing it, I realized the check may be fraudulent from a scammer who told me to keep {$500.00} and send back {$9000.00} then I immediately reported it to Bank of America multiple times. I requested a formal investigation and asked them to remove the funds if the check was fraudulent. Despite repeated calls to customer service and the fraud department, the bank has refused to reinvestigate or remove the funds. They also refuse to allow me to close my account with these funds still inside, leaving me trapped and at financial risk. I am concerned because if the check is fake, I could be held responsible for repaying the money. I have documented my attempts to resolve this and acted in good faith by reporting the suspicious check. Bank of Americas refusal to take action or even provide a clear, written explanation has caused me significant stress and prevents me from managing my finances safely. I am requesting that the CFPB intervene to ensure the bank investigates this check properly and provides a solution, including either removing the fraudulent funds or giving me an option to close my account safely. please help me i am really struggling from being in a life crisis shelter with my daughter after suffering from XXXX XXXX im trying to get back on my feet and this fake check keeps haunting me.

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: KS

Complaint narrative:
I received an XXXX XXXX XXXX in XXXX of XXXX. Became XXXX in XXXX of XXXX and had to use the credit card to live on. I was never able to make a payment. Now that I am in a position to pay, I realized that after 6 months of not paying, they raised my credit limit without any notification, and then kept the card open for 9 months before closing it in order to charge me more in fees and interest. Ability to pay was obviously not taken into account when my credit limit was raised as I had not made one payment on the account. I was willing to negotiate a payment plan for the amount that I spent on the card, but they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I was aggressively recruited into a coding bootcamp called XXXX through high-pressure sales tactics and false promises of lifetime access to tutors, mentors, and course materials. I was financed through Climb Credit for approximately {$10000.00} a significant loan I am still repaying. XXXX has since shut down and gone completely insolvent, leaving XXXX of students with nothing. The company made deliberate misrepresentations about the services they would provide, collected large sums of money from vulnerable students seeking career opportunities, and then ceased operations without refunding anyone. There is extensive documentation of this predatory behavior on the XXXX XXXX XXXX XXXX, and consumer review sites showing a clear pattern of fraud, unresponsive customer service, and refusal to issue refunds even before closure. I never received the services I was promised and paid for. Climb Credit / XXXX XXXX continues to collect monthly payments on a loan for a program that no longer exists and never fully delivered on its contractual obligations. This is not a case of a student dropping out the school itself failed and defrauded its students. I am requesting immediate cancellation or discharge of this loan, as continuing to collect payments for a fraudulent and now-defunct program is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding American Expresss denial of a XXXX XXXX XXXX benefit on my XXXX XXXX ( ending in XXXX ). On XX/XX/XXXX, I purchased an XXXX XXXXXXXX XXXX XXXX ( Model XXXX ) through XXXX for {$1500.00}, charged to my American Express XXXX XXXX. The product was listed on XXXX Renewed program and the listing explicitly described the item as CERTIFIED REFURBISHED : This manufacturer-refurbished unit. I purchased it in good faith reliance on this description. The TV was accidentally damaged on XX/XX/XXXX. I filed a Purchase Protection claim ( # XXXX ) on XX/XX/XXXX. American Expresss Purchase Protection Benefit Guide ( XXXX, XXXX. XX/XX/XXXX ) excludes previously owned and used items from coverage, but contains an explicit exception : except when refurbished by the original manufacturer. Since the product was sold as manufacturer-refurbished, it should qualify under this exception. AMEX XXXX XXXX ( the underwriter ) denied the claim on XX/XX/XXXX, citing the previously owned exclusion while ignoring the manufacturer-refurbished exception. I appealed on XX/XX/XXXX, providing the XXXX product listing as evidence. On XX/XX/XXXX, AMEX XXXX upheld the denial, stating they contacted XXXX directly and XXXX said the serial number was not refurbished by XXXX. This creates a fundamentally unfair outcome for the consumer. The product was explicitly marketed and sold as manufacturer-refurbished. I had no ability to independently verify refurbishment provenance with XXXX before purchasing. American Expresss own policy covers manufacturer-refurbished items, and the product was described as exactly that at the point of sale. The insurer is now using information that was unavailable to the consumer at the time of purchase to deny a benefit that the consumer reasonably believed applied. If the product was misrepresented by the seller, that is a claim against the seller not a basis for denying insurance coverage to the consumer who relied on the product description in good faith. The consumer should not bear the loss caused by a third partys false advertising. I am requesting that American Express honor the Purchase Protection claim for {$1500.00} based on the products description at the time of purchase, which satisfied the policys manufacturer-refurbished exception.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I made my XXXX mortgage payment on XX/XX/XXXX. On subsequent calls the automated system and agents advised my next payment was due XX/XX/XXXX. I am enrolled in automatic payments which are drafted on the XXXX of the month. On none of my previous calls before XX/XX/XXXX did any agent mention needing to disable the automatic payment nor ask I wanted it disabled. Imagine my surprise when another mortgage payment was deducted from my account on XXXX XXXX, 21 days before the next payment was due. This is from NewRez / Shellpoint LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Aidvantage related to a student loan account currently being furnished to the consumer reporting agencies. My credit report is currently reflecting serious delinquency notations including 90-day, 120-day, and 150-day late payments as well as a past-due balance of approximately {$910.00}. I formally dispute the accuracy and completeness of this information. I submitted a direct dispute to Aidvantage requesting validation of the reporting including the full payment history, documentation supporting the calculation of the past-due amount, and records demonstrating how the reported delinquency statuses were determined. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 1681s-2 ( b ), furnishers of credit information are required to report information with maximum possible accuracy and conduct a reasonable investigation when information is disputed. At this time I have reason to believe the delinquency reporting is inaccurate or can not be properly verified. The reporting of serious delinquency has significantly impacted my credit profile and financial standing. I am requesting that Aidvantage conduct a full investigation and either : Provide competent documentation verifying the reported delinquency history and past-due balance, or Correct or delete any information that can not be verified for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I opened a checking account in person at a local bank branch in California and received a new debit card. The card was kept in a secure location, and no one else had access to it. On XX/XX/year>, I discovered four unauthorized transactions totaling {$2500.00} on my account. I immediately called the bank 's fraud department that evening to report the charges while they were still in a " pending '' state. The agent flagged the transactions as fraudulent. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX Despite my timely report, on the morning of XX/XX/year>, three of the four flagged transactions ( totaling a withdrawal amount of {$2500.00} ) cleared and posted to my account. I called the bank again to report this failure and subsequently visited my local branch in person. A bank employee confirmed that these fraudulent charges were debit card point-of-sale transactions made without a PIN and assured me that my fraud report was made in a timely manner. The bank 's subsequent communication was highly frustrating, including an automated call from the fraud department in the middle of the night that provided no valid way to return the call during normal hours. On XX/XX/year>, I received a denial letter from the bank regarding my dispute, with the bank claiming that the transactions were authorized. I immediately appealed this decision and provided the bank with a police report, as well as airline booking confirmations proving that I was physically out of state ( in XXXX ) when these point-of-sale transactions took place. I am submitting this complaint because the bank allowed fraudulent, pending transactions to clear after I actively reported them, and unjustly denied my claim despite clear evidence that I could not have made these point-of-sale purchases. As reference, I am attaching the police report, email correspondence with BMO, and my plane ticket proving me being in XXXX when these point-of-sale transactions took place in 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the resolution of claim number XXXX regarding the ATM cash deposit made to my Initiate Business Checking account ending in XXXX. As previously reported, I attempted to deposit {$3200.00} at the ATM. During the transaction, the ATM malfunctioned, retaining {$3100.00}, returning {$100.00}, and only crediting my account {$0.00}. I immediately reported the issue because the funds were not properly credited to my account. Your letter states that the ATM reporting system reflects that {$3100.00} was entered for the deposit amount and that video surveillance shows some cash being returned or dispensed. However, I strongly dispute the conclusion that no additional funds were deposited. The ATM clearly malfunctioned during the transaction, and the investigation results do not adequately account for the full amount of cash retained by the machine. I am requesting a formal reinvestigation of this matter. Please provide the following documentation used to reach your determination : The ATM transaction log for the date and time of my deposit The ATM balancing/audit report for that machine The cash dispenser and reject bin logs A copy of the surveillance footage referenced in your response The complete investigation report related to claim # XXXX Given that the ATM system itself recorded that {$3100.00} was entered as the deposit amount, I believe the investigation did not fully account for the funds retained by the machine. I respectfully request that this claim be escalated for further review by ATM operations or a supervisory claims department. If this matter can not be resolved internally, I will pursue further review through the Consumer Financial Protection Bureau and other appropriate regulatory agencies. I appreciate your prompt attention to this matter and expect a full response regarding the requested documentation and reinvestigation. Sincerely,

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 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc.
State: SC

Complaint narrative:
XX/XX/year> I had many complaints bout this car XXXX XXXX the police will not help me my ex boyfriend sold car with out car max and me I try to get the car back no help I told Carmax no help I have charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This is regarding the XXXX XXXX XXXX Credit Card debt/account that's actually being reported twice on my XXXX credit report, which this account was originally opened with the original creditor back in XXXX, I also have Official Police Report Documentation from a theft from my residence where {$900.00} cash, {$50.00} gift card, and ( XXXX ) of my credit cards/one being the XXXX XXXX XXXX Credit Card that was stolen . This was on XX/XX/XXXX, the card was reported before the theif could do any serious damage but did manage to try and use the card XXXX before I could report the theft and cancel the card. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Court No. : XXXX Now, let me enlighten you XXXX with the fact that your validation processes used to verify debts must have come from a cracker jack box or possibly a gumball machine. Because if you would have done your job correctly and accordingly then you should have been able to connect these ( 2 ) reporting accounts for FIRST SAVINGS BANK CREDIT CARD and linked them together because It's the " SAME XXXX XXXX ACCOUNT '' ( 1 ) is the original card that was reported stolen/card was canceled, and ( 1 ) was the replacement card for the " SAME XXXX XXXX ACCOUNT '' This account is more than 10 years past the date of first delinquency on the account, so you are no longer authorized to attempt to collect on this debt because " THE STATUTE OF LIMITATIONS '' has already " EXPIRED '' so delete both of the First Savings Bank Accounts being reported/since it's FACTUALLY the same account listed twice and having a negative impact on my credit report! I DARE YOU TO REPORT THIS DEBT AGAIN AS VERIFIED BECAUSE WE BOTH KNOW YOU'RE FULL OF XXXX!!! MY NEXT STEP IS REPORTING YOU TO THE AG 'S OFFICE AND THEN MY INTENT TO SUE FOR DAMAGES, FOR MORE THAN 3 YEARS OF FRAUDULENT REPORTING ON MY CREDIT BY RE-AGEING THIS ACCOUNT DELIBERATELY TO PREVENT IT FROM FALLING OFF AFTER 7 YEARS. NOW WHO '' S GON NA BE ACTING LIKE THE NEW DEBT COLLECTOR IN TOWN, AFTER I DESTROY YOU IN A COURT OF LAW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: MN

Complaint narrative:
On XX/XX/year>, I called a phone number on Hotelplanner.com which I obtained via the XXXX website to book three hotel rooms at the XXXX XXXX XXXX in XXXX, XXXX, for two nights ( XXXX XXXX XXXX ). The website listed the rooms as refundable. I booked by phone, not online. The total charge was {$4000.00} to my Capital One Quicksilver card ending in XXXX. During the call, the representative never told me the rooms were non-refundable. He never mentioned a Travel Refund Protection Plan ( {$360.00} ) or {$630.00} in Tax Recovery & Fees. I learned about all of this only when he sent me the receipt while still on the phone. I immediately asked him to cancel. He put me on hold and disconnected. I called back twice and was disconnected both times. I filed a dispute with Capital One. The merchant contested under XXXX reason code XXXX ( Not as Described / Defective ). Capital One closed the dispute in the merchant 's favor on XX/XX/year>. I have three concerns with how Capital One handled this. First, the merchant 's rebuttal included a screenshot of an online booking page stamped " SAMPLE OF A TYPICAL CUSTOMER JOURNEY. '' This is not my transaction. I booked by phone. I never saw this page or clicked any buttons agreeing to terms. Capital One accepted this generic template as proof that I agreed to the merchant 's terms. Second, the merchant 's own rebuttal letter states that even for non-refundable reservations, they will honor refund requests subject to a transaction fee. I requested cancellation within one minute. The merchant did not honor their own stated policy. Capital One did not identify this contradiction. Third, after I filed the dispute, the merchant canceled all three reservations on XX/XX/year>. They told me they canceled because I disputed the charge. The merchant 's published policy confirms they cancel reservations when chargebacks are filed. They are now keeping {$4000.00} for rooms they chose not to provide. Capital One did not reopen the dispute when the service was canceled. When I called Capital One on XX/XX/year> ( representatives XXXX, ID XXXX XXXX, and supervisor XXXX ID XXXX XXXX ), neither could identify the chargeback reason code. Both described the dispute as " charged for something that was canceled, '' incorrectly characterizing me as the one who canceled. The merchant is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with over XXXX complaints on XXXX, XXXX, and Consumer Affairs for identical conduct. I am requesting a full refund of {$4000.00} and that Capital One re-evaluate this dispute based on the actual facts, including the merchant 's submission of misleading evidence and the merchant 's violation of their own stated refund policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I received a text message from Halsted Financial claiming they owned a previous debt of mine from XXXX XXXX. I have not done business with XXXX XXXX since XXXX and to my knowledge everything was paid off. I called XXXX on the XXXX of XXXX and they told me they dont use this collection agency and could not find anything I owed. Fast forward to the XXXX of XXXX and I received an email from XXXX XXXX claiming my account was sold to Halsted. This time when I called XXXX, I was repeatedly told that they could not tell me anything because my account had been sold. They refused to give me any information. I called Halsted and they refused to give me any information. When I told him I wanted to dispute the charge, the guy disconnected the call immediately. I was given no name, they didnt even answer the phone like a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : TRANSWORLD Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX, XXXX XX/XX/2025 and XXXX XX/XX/2025 Amount : {$540.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation