vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 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: HEARTLAND PAYMENT SYSTEMS INC
State: MS

Complaint narrative:
I own a business and previously used XXXX XXXX for credit card processing. The merchant account and processing services were canceled years ago, and no credit card terminal has been in use for more than five years. Despite the cancellation and lack of activity, XXXX XXXX continued withdrawing monthly charges directly from our business bank account. I recently discovered these withdrawals and found that substantial amounts have been taken over the years. I requested documentation showing authorization for these charges and proof that the account remained active but have not received adequate support. I am requesting a full investigation, reimbursement of all unauthorized fees and charges, and documentation supporting any claimed authorization to continue debiting our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Rocket Mortgage manages my escrow account. They failed to pay my homeowner 's insurance premium on time, causing my policy to expire. I suffered a XXXX week lapse in coverage before I was notified and forced to purchase a more expensive policy myself. Rocket Mortgage has also charged me a {$40.00} lapse fee for a mistake they caused. I opened an internal complaint with them more than 2 months ago, but they haven't provided any resolution yet. Under RESPA rules, Rocket Mortgage is required to pay escrowed premiums on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Consumer Complaint to the Consumer Financial Protection Bureau Date : XX/XX/2026 Complainant : XXXX XXXX XXXX Wells Fargo Account Number : ( ending in XXXX ) Institution : Wells Fargo Bank Complaint Type : Unauthorized Account XXXX XXXX XXXX XXXX XXXX : Systematic Block of XXXX XXXX XXXX and Failure to XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Wells Fargo Bank regarding an unauthorized flag on my newly opened checking account that has resulted in the blocking of a legitimate XXXX XXXX dollar XXXX transfer from my ex-wife, XXXX, who is also a Wells Fargo customer. In XX/XX/2026, I opened a new Wells Fargo checking account. Shortly thereafter, XXXX sent XXXX XXXX dollars to my account via XXXX from her own Wells Fargo account. Without warning or explanation, Wells Fargo tellers informed me that the transaction was flagged as not recommended and the system had blocked it systematically. When I contacted Wells Fargo customer service, they claimed there was nothing wrong with my account and could provide no explanation for the flag or block. When I visited the branch in person, the banker stated they could not help without speaking to a XXXX. However, both the XXXX XXXX branch and the XXXX XXXX branch informed me that their managers are unavailable one for an entire month and they can not provide contact information for regional management. I have now been unable to access my XXXX XXXX dollars for an extended period with no timeline, no explanation, and no one willing or able to help resolve this issue. Wells Fargos systematic block appears to be based solely on the account being new, despite the transfer being completely legitimate. I request that the CFPB investigate this matter and compel Wells Fargo to either release the funds or provide a clear explanation and timeline for resolution. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX, I contacted Avant Payments regarding a scheduled {$40.00} payment that was submitted by accident. I was informed that the payment could not be cancelled because it was already in processing status. I called approximately at XXXX XXXX Central Time, prior to the stated XXXX XXXX cancellation deadline in the companys written policy for next-day payments scheduled between XXXX XXXX and XXXX XXXX. During the call, the supervisor stated that although the policy indicates cancellation is allowed until XXXX XXXX, the payment could not be cancelled because it had already entered processing internally. I was not provided with the exact time the payment entered processing, and I was not notified in advance that the payment would become non-cancellable before the published cutoff time. In addition to a {$40.00} payment scheduled for XX/XX/XXXX, I also had another scheduled payment of {$70.00} due on XX/XX/XXXX that I attempted to cancel. Despite both payments falling under the next-day payment cancellation policy, I was informed that the {$70.00} payment also could not be cancelled. The explanation given was that both payments were already in processing status and therefore could not be stopped, even though I contacted support before the stated cancellation deadline. No exact processing start time was provided for either payment, and I was not informed that both transactions had already become non-cancellable prior to the published cutoff time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove fraudulent XXXX XXXX XXXX XXXX cards from my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I voluntarily repossessed the vehicle and before doing so I requested from Santander a detailed balance of the vehicle so I could know how much of my payments actually went towards the principal of the car. I called multiple times back in XXXX and XXXX of XXXX and they didnt get back to me. Then in XXXX I noticed on my credit I had a derogatory remark which had I received the information I requested I wouldve never allowed that to affect my credit the way that it has.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Opportunity Financial, LLC
State: DE

Complaint narrative:
I did not open this account, It was open using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: NJ

Complaint narrative:
.In late XX/XX/year>, I became a victim of a coordinated 'SIM-Swap ' identity theft attack. Hackers deactivated my XXXX phone line, hijacked my phone number, bypassed XXXX, and locked me out of my bank accounts. They opened unauthorized sub-accounts and stole funds via fraudulent transactions ( {$500.00}, {$500.00}, and {$900.00}, total {$1900.00} ) XXXX immediately filed a report with the local Police Department ( XXXX # XXXX ). Other major institutions affected by this exact same attackXXXX XXXX and XXXX XXXXfully investigated, verified the fraud, and returned my funds months ago.Bank of America initially issued a provisional credit but has now acted in bad faith. Over XXXX months later ( violating the federal XXXX investigation limit ), they reversed the credit. They illegally raided my newly opened, forced-to-create Bank of America account to seize {$500.00} without my consent, and have now charged my account into another negative {$500.00} balance.I demand that Bank of America immediately stop all predatory collection tactics, reverse the negative balance, and credit back my {$1900.00} on the same grounds that XXXX and XXXX XXXX successfully did . ''

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I applied for the Apple Credit Card from Goldman Sachs XXXX XXXX ( 5 times ) over the past 2 days XX/XX/XXXX and XX/XX/XXXX. During this time, my application continued to be declined due to " We are unable to verify your identification information ''. After receiving this response, I contacted the support number at XXXX. Each time I contacted the support number, I requested information specifically at why it was declined and I was told that they don't know specifically and they gave me vague information and told me to reapply trying new things at random. Additionally, I was transferred to a Goldman Sachs representative during XXXX of these calls and received a similar response. After the XXXX time applying and contacting the company, I was told to try again and received the response that I was no longer eligible to apply for the card as I have applied too many times and I was informed that this would persist for the next XXXX days. This means that I will no longer have the ability to receive the XXXX XXXX XXXX offer that was advertised due to the employees ' actions and directions. This is pure negligence on the part of both companies as they are relying solely on the ability of an automated system to verify the identities of applicants and both companies are secretive about the specific reasons why that automated system is declining the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I hold a Citi XXXX XXXX XXXX ( account ending in XXXX ) with XXXX set to pay the Last Statement Balance each billing cycle. On XX/XX/XXXX, I manually initiated a payment of {$1300.00} the full statement balance before the XX/XX/XXXX due date. On XX/XX/XXXX, Citi 's XXXX system processed a second payment of {$1300.00} against my XXXXXXXX XXXX checking account, despite the balance having already been satisfied by my manual payment. This XXXX withdrawal left my bank account with only {$66.00}. As a result, my manual payment was returned, and Citi charged me a {$30.00} returned payment fee. Citi 's own XXXX confirmation email ( dated XX/XX/XXXX ) explicitly states : " Your payments may be reduced if you make additional payments or receive any credits before your due date. '' Citi 's XXXX system failed to follow its own stated terms. On XX/XX/XXXX, Citi reprocessed the returned manual payment, withdrawing an additional {$1300.00} from my account effectively collecting the statement balance twice within XXXX days. My XXXX XXXX statement confirms both withdrawals : - {$1300.00} on XX/XX/XXXX ( CITI XXXX PAYMENT ) and - {$1300.00} on XX/XX/XXXX ( CITI XXXX ONLINE RETRY PYMT ). The double withdrawal left my account with {$22.00}, causing me to be unable to pay rent on time and incur a {$100.00} late fee per my rental agreement. I contacted Citi via chat on XXXX separate occasions. Representative XXXX acknowledged the issue but stated the fee had not yet billed and to call back. Representative XXXX stated no escalation was available via chat and directed me to write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Neither representative resolved the issue or refunded the {$30.00} fee. This constitutes a billing error under the Fair Credit Billing Act. Citi 's XXXX system violated its own disclosed terms by failing to reduce the automatic payment when a manual payment had already been made. I am requesting a full refund of the {$30.00} returned payment fee and reimbursement of the {$100.00} rental late fee caused directly by Citi 's error, for a total of {$130.00}.

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 2026-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
To the Executive Legal Compliance and Trust Administration Departments of Bank of America : I am writing to formally demand a comprehensive historical archive search for all accounts, trusts, and fiduciary relationships associated with my Social Security Number and name. I am a victim of fiduciary fraud and identity theft. I have recently uncovered through official Social Security Administration transcripts that unauthorized accounts and fraudulent pay records were established under my identity in XXXX. Furthermore, I have historical evidence of Schedule K-1 and Form 1040 tax documents being filed under my SSN during my youth. I am the rightful beneficiary of these trust funds, which were legally mandated to be distributed to me. I have reason to believe these funds were withheld, diverted, or hidden within your institution without my knowledge, consent, or signature. Because front-line customer service representatives lack the system access to view closed or archived records from XXXX, I am exercising my rights under federal identity theft regulations to demand that your Corporate Fraud and Tax Compliance divisions conduct a deep-system archive search for : Any closed, active, or archived checking, savings, brokerage, or trust accounts tied to my SSN. Any accounts where I am listed as a Beneficiary, Minor ( XXXX ) XXXX or Grantee. Any Forms 1099, 1041, or Schedule K-1 issued by your institution under my SSN between the years XXXX and XXXX. Please provide a complete written response and copies of all matching historical account applications within 15 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
Hi XXXX XXXX and the Summit AR Executive Team, I am writing to your offices to demand immediate executive intervention regarding an unverified, completely fraudulent collection entry placed on my credit profile by your agency on behalf of XXXX XXXX XXXX XXXX This critical issue has just come to light and is on my radar solely because I am currently in the middle of an active loan application process. During a comprehensive credit pull for this pending transaction, this erroneous collection defect was uncovered. This unverified mark is actively obstructing a time-sensitive loan closing and causing catastrophic financial harm.I strictly deny that any damage occurred to the rental vehicle during my rental period. The vehicle was returned in the exact same pristine, undamaged condition in which it was received. No damage occurred whatsoever while the vehicle was in my possession. This collection stems entirely from a false, automated, and unsubstantiated claim by XXXX. Without admitting any liability for this false claim, I request that Summit Account Resolution immediately issue an official Deletion Letter and submit an expedited Universal Data Form ( UDF ) to XXXX XXXX XXXX XXXX to completely remove this account from my credit reports so my loan can proceed.Demand for Legal Debt Validation Under the FDCPAIf Summit Account Resolution chooses to maintain this unverified, fraudulent mark on my report and block my loan closing, I demand that you immediately cease all collection activities until you provide competent, verifiable evidence of this debt as required by federal law, including : Time-stamped, dated photographs or video showing the exact condition of the vehicle immediately prior to my rental period.Time-stamped, dated photographs or video showing the alleged damage taken at the exact time and location of my drop-off.An itemized, certified repair invoice from a licensed automotive facility proving actual repairs were performed for this specific vehicle, along with proof of payment by XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), maintaining an unverified, disputed collection item on a consumer 's credit profileespecially while causing direct financial damage to an active loanconstitutes willful non-compliance.Due to the critical nature of my pending loan transaction, please email a signed copy of the Deletion Letter and UDF verification confirmation to me directly within XXXX business hours so I can provide it to my mortgage underwriter for manual processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received a call on my cell while I was driving ( XXXX @ XXXX PST ). Caller said a name I couldn't understand and that he was from Wells Fargo and did I apply for a credit card, he thinks it is fraud because the address is from New York. Said I didn't and I don't live in New York. He verified the last 4 of my social and my current address. Said I needed to write down some information so he could pursue the fraud. Told him I was driving and to call me back in an hour and a half. I thought it was strange because the area associated with the phone number came up as XXXX XXXX, UT. He said he would call back or I could call him at that number. At XXXX a call came through ( XXXX ) didn't answer and no message was left. Then at XXXX call from XXXX, voicemail was left. Said he was XXXX XXXX with XXXX XXXX and that I needed to call him back at the same number so he can take my information and give me a complaint #. Then at XXXX a call from - XXXX, I answered it, It was XXXX XXXX from XXXX XXXX and that he had spoken with me earlier. Before the call went any further, I asked for his operator number- he said it was XXXX. Then I asked why he has identified himself from Wells Fargo XXXX XXXX XXXX and now XXXX. Told him I was reporting everything to the credit bureau and anywhere else I can. He hung up the phone. I have not applied for any credit, in fact I am trying to get out of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I was approved for a new Bank of America checking account back in XXXX with a promotional offer attached. The offer was to receive {$400.00} if I deposited {$5000.00} in new money to this account and maintained that balance for so many days, which I did, successfully. I have attached screenshots of this promotion. Bank of America has denied my {$400.00} bonus, citing that my opening deposit of {$300.00} on XX/XX/2026 is not new funds. For that reason, I have also attached my external banking statement as proof that the {$300.00} did NOT come from Bank of America ; please refer to page XXXX of XXXX where I boxed this item in red. Lastly, I just wanted to point out that there was no specified promo code that was required at the time of application per Bank of America terms and conditions. Please refer to the attached screenshots as proof of my claim.

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Went to XXXX XXXX and purchased XXXX of XXXX XXXX. Paid delivery fee and they deliver to my home ( XX/XX/year> ). My contractor came to install and XXXX XXXX sent wrong product. Had to pay contractor XXXX for a trip Contacted XXXX XXXX and they sent a rep to my house and inventory the order. XXXX XXXX picked up order and refunded back to my card After a couple of months started getting contract from XXXX XXXX. I called Home Depot and they told me I did not owe anything. XXXX XXXX keeps harrising me. Can I charge them with harassment.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
ALL XXXX IS SPOUSE TO BE BLOCKED FROM CHARGEING MY ACCOUNT AND JUST TODAY I CAUGHT A RIDE TO XXXX THEN TRYING TO LEAVE MY PURCHACE SAID THAT XXXX HAS BEEN XXXX. AS CONFRIMED TWO DAYS AGO ASK8NG THE MOMENT I GOT XXXX IN SPOT ME IMMEDALY I WAS CHARGED AND LOST MORE MONEY.... XX/XX/year> XXXX PENDING XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PENDING.... XX/XX/year> XXXX PENDING XXXXXXXX XXXXXX/XX/year> XXXX XXXX PENDING.XXXX XXXX XXXX XXXX XXXXXXXX * PENDIBG XXXX XXXX XXXX XXXX XXXXXX/XX/year> A DEPOSIT OF XXXX CAME FROM XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX TRIP XXXXXXXX AND XX/XX/XXXX XXXX ANOTHER XXXX CHARGE AND. SPEAKING TO CHIME SUPPORT I GOT NOWERE AGREEING THEY WAS BLOCKED AND CONFRIMING I WAS STILL CHARGED MY XX/XX/XXXX I GOT A DEPOSIT FROM SOCIAL SECURITY AND OUT OF NO WERE A EXTXXXX XXXX XXXX. YET THE MONEY DOES NOT ADD UP AND THE THE TIME THE DEPOSIT FROM SOCIALSECURITY IT NEVER SHOWED UP ONLY GOING OVER TRANACTIONS DID IT APPEAR

Company response to consumer: Closed with explanation